Fast business loans · 100% online
Business capital,
made easy.
Get $5,000 to $500,000 for your business with one 60-second online enquiry. Decisions in as little as 4 hours. Same-day funding possible.
- No impact on your credit score to enquire
- Apply from anywhere in Australia
- Answers in hours, not weeks
$500M+
Funded to date
10,000+
Businesses helped
4 hrs
Average approval
98%
Customer satisfaction
Three steps
From “we need capital” to money in the account
No branch visits. No 40-page forms. No three-week wait for a maybe.
- 1
Tell us what you need
A 60-second online enquiry: the amount, what it's for and a few details about your business. It won't touch your credit score.
About 60 seconds - 2
Share your bank statements
Connect 3–6 months of business bank statements through a secure read-only link and send photo ID. A lending specialist talks you through the options.
Minutes, not days - 3
Get your answer — and the funds
Decisions in as little as 4 hours. Once you're approved and the documents are signed, same-day funding is possible.
As little as 4 hours
Six products
Six ways in. One easy process.
Whatever you're funding, there's a product built for how that money actually moves through your business.
Small Business Loan
$5k – $500k
Best for: Working capital, stock, operations and growth
- Same-day funding possible
- One lump sum
- Minimal paperwork
Equipment Finance
$10k – $500k
Best for: Machinery, vehicles, tools and tech
- New or used
- Dealer or private sale
- The equipment is usually the security
Invoice Finance
Up to 85% of invoice value
Best for: Cash tied up in unpaid B2B invoices
- Paid on invoices, not assets
- Grows with your sales
- Single invoices or whole ledger
Line of Credit
$10k – $250k
Best for: Ongoing cash flow gaps and flexibility
- Draw, repay, draw again
- Pay for what you use
- A buffer that refills
Merchant Cash Advance
$5k – $300k
Best for: Card-heavy businesses: cafes, retail, hospitality
- Repaid from card takings
- Repayments flex with trade
- Same-day funding possible
Startup Loan
$5k – $150k
Best for: Businesses under 6 months trading
- Case-by-case assessment
- Owner experience counts
- Pairs well with equipment finance
What will you do with it?
Capital for the moves that grow your business
Pick the job. We'll point you to the product that fits it.
Stock up before the rush
Buy in bulk ahead of Christmas, EOFY or your busy season.
Small Business Loan →Upgrade the gear
A new ute, excavator, oven, chair or server — new or used.
Equipment Finance →Stop waiting on invoices
Turn 30-, 60- or 90-day invoices into cash this week.
Invoice Finance →Smooth the lumpy months
A limit you draw on in quiet weeks and repay when it's busy.
Line of Credit →Fund the fit-out
Repayments that rise and fall with your card takings.
Merchant Cash Advance →Launch something new
Capital for businesses in their first six months.
Startup Loan →Hire ahead of growth
Bring people on before the new contract starts paying.
Growth finance →Keep cash flow healthy
Cover BAS, wages and suppliers without draining the account.
Working capital →Eligibility
Six boxes. Tick them and you're most of the way there.
These are the basics most of our products look for. Missing one? You may still have options — startup loans, for example, are built for businesses under six months old.
- 6+ months trading
- $5,000+ monthly revenue
- An active ABN or ACN
- An Australian resident director or owner
- A business bank account
- No undischarged bankruptcy
What you'll need
- 3–6 months of business bank statements
- Photo ID (driver licence or passport)
- Your ABN or ACN
- Financial statements — only for loans over $150,000
That's it for most applications. Many lenders now read bank statements through a secure, read-only digital link — one of the reasons decisions can come back in hours.
The full documents checklist →Why it feels easier than the bank
Banks are great for some things. Speed and simplicity usually aren't among them. Here's how the two processes typically compare — and when a bank is still the better call.
Who we fund
Built for how Australian businesses really trade
Progress claims, card takings, marketplace payouts, Medicare rebates, harvest cheques — every industry gets paid differently. Our industry guides show which products fit yours.
Australia-wide, 100% online:
Learn before you borrow
Straight answers, no jargon
How to get a business loan fast
How to get a business loan fast in Australia: the exact steps, what to prepare, what slows lenders down and how to reach a decision in as little as 4 hours.
Read the guide →Eligibility & documentsBusiness loan documents checklist
A business loan documents checklist for Australian owners: what to have ready by product and by loan size, including when financials are needed over $150,000.
Read the guide →Getting startedChoosing the right business finance
Choosing the right business finance is easier with a decision tree: match what you're funding to a loan, equipment or invoice finance, or a credit line.
Read the guide →Quick questions, quick answers
How fast can I get a business loan?
Decisions can come through in as little as 4 hours once we have your bank statements and ID, and same-day funding is possible once you're approved and the documents are signed. The biggest factor in speed is how quickly your documents arrive.
How much can my business borrow?
Business finance runs from $5,000 to $500,000 depending on the product. Lenders size the amount mainly from your monthly revenue, what your business bank statements show and any existing debts.
Who is eligible?
Most products look for 6+ months of trading, $5,000+ in monthly revenue, an active ABN or ACN, an Australian resident director or owner, a business bank account and no undischarged bankruptcy. Newer businesses can look at startup loans, assessed case by case.
What documents do I need?
3–6 months of business bank statements, photo ID and your ABN or ACN. Financial statements are only needed for loans over $150,000.
Will applying affect my credit score?
No. The 60-second enquiry doesn't affect your credit score. A lending specialist then contacts you to talk through your options before anything formal happens.
Do I need property or other security?
Not usually. Most of our products are assessed on your business's trading rather than property. Equipment finance generally uses the equipment itself as security.
Can I apply with less-than-perfect credit?
Yes, you can apply. Past defaults or credit hiccups are looked at case by case alongside how your business is trading now. Being upfront about them early helps.
What are your interest rates?
Every facility is priced on your business's individual situation — the product, the amount, your trading history and any security. We look for the sharpest option available for your situation and show you the full cost before you sign.
Your next move deserves fast capital.
$5,000 to $500,000 · decisions in as little as 4 hours · same-day funding possible. Start with a 60-second enquiry.