How it works
Centurium prepares and coordinates your application. The underwriting partner makes the lending decision, issues final documents and provides any approved funds.
Your application
Apply online
Complete four simple steps: loan details, business information, your details and review. Submit your application before uploading documents.
Personal review
Lender assessment
After submission, provide bank statements and identity documents securely through your portal. Centurium checks that your application and evidence are ready for referral to the underwriting partner. The lender performs its assessment and makes the credit decision. More information may be requested.
Agreed settlement
Sign and get funded
The underwriting partner issues the final offer and finance documents. Follow the lender’s signing instructions. Funding comes from the lender after its conditions are satisfied.
Common questions
How fast can I actually get funds?
Timing depends on the evidence, assessment and settlement requirements. We confirm the expected timing for your application.
Will applying affect my credit score?
The eligibility checker does not request a credit report. A formal credit enquiry requires your recorded consent during assessment.
What do I need to apply?
Your ABN, business and contact details, trading history, revenue and funding needs. Bank statements and identity documents are requested after submission. Our initial enquiry check is not the lender’s credit policy; the lender confirms its requirements.
Can I pay a loan out early?
You can request a payout quote. Whether your cost reduces depends on the terms of your agreement.
What are the repayment options?
Repayments are made to Centurium using the confirmed payment instructions for your facility. Your written agreement sets the amount and frequency. Contact us to confirm the account details and reference before making a payment.