Your business funding questions, answered

Start with four questions: do you own property, how long have you been trading, what goes into your business account each month, and what is the money for? Property owners can look at 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 free funding profile ranks the options for your answers.

We're a funding coach for Australian business owners. We help you understand which type of business finance fits your stage, industry and goal, and then a real person helps you take the next step with the option that suits.

No. It's a private quiz that runs in your browser and builds a plan for you. Nothing is sent to us unless you choose to enquire afterwards.

No. There's no credit check when you first enquire. A credit check is only discussed once you've decided to go ahead with a specific option.

No. We don't spray your details around or sell them as leads. A real person matches your situation to the option that fits.

Property-secured business loans run from $20,000 to $5,000,000, depending largely on the property and the equity in it. Unsecured and cash flow options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.

Yes, usually through property security, because there isn't much trading history yet for an unsecured loan to be sized on. If there's no property and no trading yet, we'll tell you straight and point you to what builds your readiness.

Yes. Past credit issues are considered case by case. Property security helps a great deal, and a clear explanation of what happened and what's changed goes a long way.

Often, yes. ATO debt is considered case by case, and clearing it with a business loan is a common reason people get in touch. Keeping your lodgements up to date makes every option easier.

No. Trading businesses can access unsecured loans and lines of credit sized on turnover and bank statements. Property simply opens up larger amounts and more flexibility.

It depends on the option. Photo ID, your ABN, recent business bank statements and, for property-secured loans, the property's details are the usual starting point. Your funding plan builds a personalised checklist.

Because every business loan is priced on its own circumstances — the security, the amount, the term and the business. Any number we published would be misleading for most people, so we give you a real answer once we understand your situation.

No. We only help with finance for business purposes, such as cash flow, equipment, stock, staff, premises, tax and business debt.

It depends on the option and how quickly the paperwork comes together. Property-secured loans involve a valuation and legal documents; unsecured options lean on bank statements. Having your documents ready is the biggest thing you can do to keep it moving.

A real person reads your enquiry and calls you during business hours, usually the same or next business day. They'll talk through your situation and explain what's realistic.

Because the right match depends on the details. If the amount, trading history, property or credit picture is off, the first option we discuss might not suit. Accurate answers get you to the right fit the first time.