Your personal funding coach
Which business loan is right for you?
Tell us where your business is at, what you do and what you need the money for. We'll show you which options genuinely fit — then a real person helps you take the next step. Business finance from $20,000 to $5,000,000.
- No credit check to enquire
- No lender lottery
- A real person on your case
Stage finder · 4 questions
What stage is your business at?
Answer all four to see your stage.
You're most likely
No credit check to enquire
Exploring your options leaves your credit file untouched. A credit check only comes up once you've chosen to go ahead.
Matched, not sprayed
We don't fire your details at a crowd of lenders. Your enquiry is matched to the option that suits your profile.
A real coach on your case
A person reads your answers and rings you. Honest, accurate answers on the form mean the right fit the first time.
Start where you are
Funding looks different at every stage
What a lender can lean on changes as your business matures. Pick the stage that sounds like you.
Starting out
Under a year, or not trading yet
Funding options for a new Australian business: what lenders can lean on before you have trading history, and how to build your funding readiness.
See my options →Growing
Demand is outrunning cash
Growing faster than your cash? See which funding options suit a growing Australian business, when to use each one, and how to avoid the growth cash trap.
See my options →Established
Steady, with history behind you
Finance options for an established Australian business: how your track record opens doors, and how to choose the structure that suits you best.
See my options →Recovering
Getting back on track
Had a rough year? See the business finance options that can still fit a recovering business, what lenders want to hear, and how to rebuild your position.
See my options →Your industry
Every industry has its own money rhythm
Progress claims, seasonal rushes, platform payouts, insurer claim lags — the way cash moves through your business shapes which option fits.
Your goal
Start with what the money has to do
How we coach you through it
From "no idea" to "right fit" in four steps
- 1
Work out your fit
Try the stage finder or the full funding profile. It's free, it's private and it takes a couple of minutes.
- 2
Tell a real person
The enquiry takes about 60 seconds. No credit check when you first enquire. Answer it accurately — it's how we match you properly.
- 3
Talk it through
Someone who understands business lending calls you, asks the right questions and explains what's realistic for your situation.
- 4
Go ahead, or don't
Only if the option fits do we move to documents and approval. You're never pushed, and your details stay with us.
Coach's corner
Four funding myths we hear every week
"The bank said no, so nobody else will say yes."
Not true. Banks are one type of lender with one set of rules. Non-bank and private lenders assess differently — especially where there's property security.
"Just asking will hurt my credit score."
Not with us. There's no credit check when you first enquire. That conversation only happens once you've decided to go ahead.
"I need perfect books before I can borrow."
Not always. Tidy records help, but many options lean on bank statements or property rather than full financials. Tell us what you have.
"A comparison site will get me the best deal."
Often it gets you phone calls. Many sell your details to several lenders at once. We match you to one right-fit option instead.
Coaching guides
Get funding-ready at your own pace
Practical guides for running the numbers, planning ahead and knowing what lenders look for.
Business Health Check: 10 Numbers to Know Before Borrowing
Ten business health check numbers every owner should know before borrowing — margin, debtor days, repayment cover and more — and how to work each one out.
Cash Runway: How Many Weeks Can Your Business Last?
Work out your business's cash runway in weeks with a simple method, a worked example and a 13-week forecast — and what to do if the number is too short.
Business Growth Milestones: ABN to Payroll (2026 Checklist)
A stage-by-stage checklist of what changes as your business grows in 2026 — ABN, GST at $75k, first employee, Payday Super, payroll tax and more.
How to Explain Your Business to a Lender in 5 Sentences
A simple five-sentence script for explaining your business to a lender — what you do, how you earn, what the money is for, how it's repaid and what's changed.
Recovering From a Bad Trading Year: A 90-Day Plan
Had a bad trading year? A practical 90-day plan to steady cash flow, deal with the ATO and creditors, rebuild your numbers and get back to funding-ready.
Good Debt vs Bad Debt in Business: A 7-Question Test
Is borrowing a good idea for your business right now? Use this 7-question good debt vs bad debt test before you take on a loan, a limit or an advance.
Questions business owners ask us
Which business loan is right for me?
It depends on four things: whether you own property, how long you've been trading, what flows through your account each month and what the money is for. Property owners can access secured loans from $20,000 to $5,000,000. Trading businesses without property usually look at unsecured loans or lines of credit, typically $5,000 to $500,000. The 2-minute funding profile ranks the options for your answers.
Is the funding quiz really free, and does it affect my credit?
It's free and it runs entirely in your browser, so nothing is sent and your credit file isn't touched. Even when you decide to enquire, there's no credit check at that first step.
Can a brand-new business get funding?
New businesses can be funded, but the route usually runs through property security, because there isn't much trading history to size an unsecured loan on yet. If there's no property and no trading yet, we'll tell you honestly and point you to what builds your readiness.
Can I get business finance with bad credit or ATO debt?
Both are considered case by case. Past credit issues and ATO debt don't automatically rule you out, especially where property security is available. Being upfront about them helps us match you to the right option the first time.
Will my details be sent to lots of lenders?
No. We don't do spray-and-pray. A real person reads your enquiry and matches it to the option that fits your situation, so your phone doesn't light up with calls from strangers.
Why don't you show interest rates?
Every business loan is priced on its own circumstances — the security, the amount, the term and the business. A headline rate would be a guess, so we'd rather give you a real answer once we understand your situation.
What is My Funder, exactly?
A personalised funding coach for Australian business owners. We help you work out which type of business finance fits your stage, industry and goal, then a real person helps you take the next step. Business purposes only.
You know your business. Let's find your fit.
Answer a few honest questions in about 60 seconds. No credit check to ask, no lender lottery, and a real person who calls to talk through what suits you.
No credit check to enquire
Matched, not sprayed
A real coach on your case