How it works
From application to funded in as little as one business day. Here is exactly what happens.
3 minutes
Apply online
Tell us about your business, how much you need, and connect your bank feed securely. No paperwork, no branch visits.
Within 3 business hours
Get a clear decision
Our credit team reviews live banking data, not last year's financials. You get a clear yes or no, with the amount and rate.
Same business day
Sign and get funded
Sign your agreement electronically. Funds are transferred the same business day, ready to use immediately.
Common questions
How fast can I actually get funds?
Most approved applications submitted before midday are funded the same business day. Complex or secured applications can take longer.
Will applying affect my credit score?
The initial application uses live banking data. We only run a formal credit enquiry with your consent as part of final assessment.
What do I need to apply?
An active ABN, at least 4 months trading, roughly $12,000 or more in monthly revenue, and access to your business bank account.
Can I pay a loan out early?
Yes. Early payout is supported on all products and reduces the remaining interest you pay.
What are the repayment options?
Repayments are collected by direct debit daily or weekly, sized to your cash flow. You can also pay via BPAY from your portal.