Common questions, answered

Fill in the online form, which takes about two minutes, and send through six months of business bank statements. We look at the file without touching your credit and come back with a conditional offer, usually within 30 to 60 minutes. Happy with it? We tidy up a couple of last details and the money can land the same day.

Most decisions land in 30 to 60 minutes and we fund the same business day. If you are up against a deadline, say so and we will push your file to the front. The only thing that really slows us down is missing paperwork, so send it all through at once.

Six months of business bank statements to start. On larger facilities we may ask for tax returns or financials. We keep the paperwork light on purpose, because the less we have to chase, the sooner you are funded.

Anywhere from $5,000 to $2,000,000. What we offer depends on your turnover, how long you have been going, and what the money is for. We would rather set it at a level you can comfortably repay than write the biggest number we can.

If you have an active ABN or ACN, three months of trading behind you, and monthly turnover of $10,000 or more, it is worth applying. We care more about how the business is going now than what your credit file says.

No.

It is not a dealbreaker. A default or one bad year does not end the conversation. We look at your trading history, your turnover, your assets and you as an owner. That is often where we can help when others have said no.

Not up front. We can make you a conditional offer without running a credit check, so you can see where you stand at no cost to your score. We only do a hard enquiry once you have decided to go ahead.

We price each facility on your cash flow, payment history and how the business is tracking. There is one establishment fee, agreed before you sign and written into your contract, and no compounding interest. The fees that apply only if something goes wrong — a missed or dishonoured payment, or a default — are set out in the same contract, so you can read them before you sign.

Yes. Ask us for a payout figure at any point and we will confirm what settling early would save you. Repayments can be weekly, fortnightly or monthly, whichever suits your cash flow.

Tell us and we will set the term around that. Plenty of our clients borrow to cover a stock run, a late invoice or a tax bill, then ask for a payout figure once the money has done its job.

Anything the business needs: stock, equipment, a fit-out, repairs, marketing, wages, tax and supplier bills, or just getting through a quiet month.