Enquiry to funds
How fast business finance works
Quick answer
You complete a 60-second online enquiry, share 3–6 months of business bank statements and your ID, and a lending specialist matches you to one of six products. Decisions can come back in as little as 4 hours, and once you're approved and the documents are signed, same-day funding is possible.
Getting business capital shouldn't feel like applying for a mortgage. Our process is built around three things: a short application, a small set of documents, and a fast, clear answer. Here's exactly what happens after you hit apply.
The whole journey at a glance
Minute 1
Complete the 60-second online enquiry — amount, purpose and a few business details.
Minutes later
Connect 3–6 months of business bank statements through a secure read-only link and send photo ID.
Same day
A lending specialist walks you through the product and structure that fit.
As little as 4 hours
Your decision comes back, with the amount, repayments and full cost laid out.
Once you sign
Documents are e-signed and same-day funding is possible.
Step 1: Tell us what you need
The online enquiry takes about 60 seconds: how much you're after, what it's for, how long you've been trading, your monthly revenue and your contact details. It doesn't affect your credit score and it doesn't commit you to anything.
Step 2: Share your bank statements and ID
Bank statements tell the real story of a business — money in, money out, and how consistently it moves. Most applicants connect their business account through a secure, read-only link, which takes a couple of minutes and lets the assessment start straight away. You'll also need photo ID and your ABN or ACN. Borrowing over $150,000? Add your latest financial statements. The documents checklist covers everything by product.
Step 3: Match to the right product
A lending specialist talks you through which of our six products fits what you're funding:
| If you're funding… | The usual fit | Range |
|---|---|---|
| Stock, wages, operations or growth | Small business loan | $5k–$500k |
| Machinery, vehicles, tools or tech | Equipment finance | $10k–$500k |
| Unpaid invoices to business customers | Invoice finance | Up to 85% of invoice value |
| Recurring or unpredictable cash gaps | Line of credit | $10k–$250k |
| A card-heavy business wanting flexible repayments | Merchant cash advance | $5k–$300k |
| A business under six months old | Startup loan | $5k–$150k |
Step 4: Get your decision
Decisions can come back in as little as 4 hours. You'll see the amount, the repayment schedule and the full cost in plain English. Every facility is priced on your business's situation, and we look for the sharpest option available for it — no teaser rates, no surprises at signing.
Step 5: Sign and get funded
Documents are signed electronically. Once everything is signed, same-day funding is possible. Equipment finance usually pays the supplier directly, and invoice finance advances against the invoices you nominate.
What speeds things up — and what slows things down
- Faster: applying early in the business day, connecting bank statements digitally, answering your phone, and telling us upfront about existing loans or ATO arrangements.
- Slower: missing statements, a mismatch between the business name and bank account, loans over $150,000 without financials ready, or waiting on a supplier invoice for equipment.
Want to see if you tick the boxes first? Try the 30-second eligibility checker, or read how decisions are made in 4 hours.
Questions we get asked
When does the 4-hour clock start?
From when your application is complete — the enquiry, your bank statements and your ID. Most delays come from waiting on a missing statement, so having everything ready is the single biggest thing you can do to speed things up.
Do I have to accept the offer?
No. You see the amount, the repayments and the full cost before you sign anything, and the decision is yours.
Is sharing my bank statements online safe?
Digital bank statement links are read-only: they let the assessor see transactions but can't move money, and you don't hand over your banking password to us. You can also upload PDF statements if you prefer.
What if I'm not approved?
Your lending specialist will tell you why where they can and what would change the answer — more trading history, a different product, or a smaller amount to start. Plenty of businesses come back a few months later and get a yes.
Can my accountant or bookkeeper help?
Yes. For loans over $150,000 we need financial statements, and your accountant is usually the fastest source. Many owners loop them in from the start.
Ready when your business is.
One 60-second online enquiry. Decisions in as little as 4 hours, and same-day funding possible once you're approved.