Questions founders ask us

No. There's no credit check when you enquire. A credit check only comes up once you've chosen to go ahead with a specific option.

No. A real person reads your enquiry and matches it to an option that suits. We don't send your details to a crowd of lenders to see who bites.

About 60 seconds. You'll be asked what you need, what it's for, how long you've traded, your revenue and whether you own property.

Because the right option depends on the details. Accurate answers on revenue, time trading and property mean we can suggest something that fits on the first call.

There's no single rule. Unsecured options generally need a run of business bank statements, and more history opens more doors. Founders who own property with equity may access a property-secured loan much earlier.

Unsecured funding is usually difficult that early. A property-secured business loan from $20,000 may be possible if you own property. Otherwise, building a few more months of clean statements usually helps.

Yes, once it trades as a business: an ABN, its own bank account and a run of steady revenue. Funding is assessed on the business's trading, not your salary.

Past credit issues and ATO debt are considered case by case. Please mention them on the form; it helps us steer you to an option that can realistically work.

No. Unsecured and line-of-credit options are sized on turnover and bank statements. Property simply opens a second option for larger amounts or newer businesses.

Across our options the range is $5,000 to $5,000,000. Unsecured and line-of-credit facilities typically run from $5,000 to $500,000, and property-secured business loans from $20,000 to $5,000,000.

Business purposes: stock and inventory, ad spend and marketing, equipment, first hires, supplier deposits, fit-outs, fulfilment, tax bills and working capital. We don't arrange personal or household credit.

Yes, as a business purpose. The better question is whether new customers repay their acquisition cost in a reasonable time. The ad-spend payback calculator shows you.

No. Every facility is priced on the individual business, so a published rate wouldn't tell you much. You'll get a real figure for your situation, and you can test it in the payback calculator as a dollar cost.

A line of credit suits recurring needs like reorders and ad spend. A term loan suits a single, known purchase. We'll explain which fits the job.

A real person reads it and calls you, usually to fill in a few gaps. Then we explain what's realistic, including if the honest answer is 'not yet'.

Only if you go ahead: typically recent business bank statements, ID and ABN details, plus property details for a secured loan.

No. An enquiry is just a conversation. Nothing happens without your agreement.