To qualify for a business loan, you need: 6+ months of trading history, minimum monthly revenue of $6,000, Australian citizenship or permanent residency, and a registered ABN. Your credit score is considered but we take a holistic approach to assessment.

Once approved, funds can be in your account within 24 hours. Our streamlined process includes same-day approval decisions and rapid fund disbursement, making us one of the fastest business lenders in Australia.

The main requirement is 6 months of business bank statements. We've simplified the process to minimize paperwork. For loans above $150,000, we may request additional documents like business tax returns or financial statements.

No security or collateral is required for loans up to $250,000. Our unsecured business loans are designed to provide quick access to capital without putting your assets at risk.

Our business loans can be used for any legitimate business purpose including equipment purchase, inventory, working capital, business expansion, hiring staff, marketing campaigns, or managing seasonal cash flow fluctuations.

Interest rates vary based on your business profile and loan amount. We provide transparent pricing with no hidden fees, and you'll receive your exact rate during the application process.

We offer flexible repayment terms from 3 to 12 months, with payments structured to match your cash flow. Choose between daily, weekly, or monthly repayments, with no early repayment penalties.

Yes, we consider applications from businesses with less-than-perfect credit. We focus on your recent business performance and cash flow rather than just credit history. Each application is assessed individually.