How it works
How it works: from quiz to funding
Understand your options first, then talk to a real person. Six steps, and you're in control at every one of them.
- 1
1. Find your fit (2 minutes, optional)
Use the stage finder on the home page or build your full funding profile. You'll see your options ranked and what to prepare — all in your browser, nothing sent.
- 2
2. Tell a real person (about 60 seconds)
The short enquiry covers what you need, what it's for and a few details about your business. No credit check when you first enquire. Accurate answers help us match you properly.
- 3
3. A coaching call
Someone who knows business lending reads your enquiry and calls you. They'll ask about your stage, cash flow, any property and your timing, then explain what's realistic.
- 4
4. Choose your option
If there's a good fit, we explain how it works, what it will take and what's needed. If there isn't, we tell you honestly and suggest what would change the picture.
- 5
5. Documents and approval
Only once you decide to go ahead. You'll get a clear list — ID, bank statements and property details are the usual starting point. The credit check happens at this stage, with your say-so.
- 6
6. Funding
Funds are paid to your account or straight to whoever needs paying, such as a supplier or the ATO.
What makes it different
Most finance websites ask for your details first and explain later. We think it should be the other way round. The funding profile gives you a clear view of what fits before anyone picks up the phone, so the first call is a proper conversation rather than an interrogation.
And when you do enquire, your details stay with us. No lender lottery, no spray-and-pray, no phone that won't stop ringing.
Common questions
Do I have to do the funding profile before I enquire?
No. It's there to help you understand your options, but you can go straight to the enquiry form any time.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. We only raise a credit check once you've decided to go ahead with a specific option.
Will lots of lenders call me?
No. Your enquiry isn't sprayed out to a list of lenders. One real person works on your situation and matches it to the option that fits.
How quickly will someone call?
A real person reads each enquiry and calls during business hours, usually the same or next business day. Keep an eye out for a number you might not recognise.
What if my situation is complicated?
That's what the call is for. Credit issues, ATO debt, a short trading history or an unusual property are all considered case by case. The more accurately you describe things on the form, the better.
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