Fast business loan questions, answered straight

Approval can be given in as little as 15 minutes, approval within the hour is common, and funding within 24 hours is possible. The exact timing depends on the loan type, your documents and how quickly everyone signs.

For smaller amounts with good bank statements, unsecured cash flow funding is usually quickest. For larger amounts, a property-secured loan or caveat loan with no valuation can move remarkably fast.

Same-day funding is possible when the enquiry comes in early, the evidence is ready and signatures come back quickly. If it lands later in the day, next-business-day funding is more typical.

Missing bank statements, unclear purpose, trust deeds that cannot be found, co-owners or guarantors who are hard to reach, and details that change after the first conversation.

Yes. Enquiries made early in the business day have the most room to reach funding the same day. After-hours enquiries are picked up first thing the next business day.

Unsecured cash flow loans and lines of credit are typically $5k to $500k. Property-secured loans, including first mortgages, second mortgages and caveat loans, run from $20k to $5m.

No. Our property-secured business loans need no valuation.

Often, yes, through a second mortgage or caveat loan that sits behind the existing first mortgage. A caveat can later be converted to a registered second mortgage if needed.

Not necessarily on property-secured loans. Interest can be prepaid or added to the loan, so there may be nothing to pay during the term. Unsecured loans usually have regular repayments.

Property-secured loans are flexible. You can keep the loan as long as you need it, which helps if a sale or refinance is delayed.

No. There is no credit check to enquire. A check only happens once you choose to go ahead with an offer.

Often. Defaults, arrears and ATO debt are considered case by case, with weight on how the business trades now and any security available.

Yes. Very new businesses usually move fastest with property security. Unsecured funding needs some trading history in the bank account.

Not automatically. Some businesses use fast funding to clear an ATO balance. Have your ATO statement ready and be upfront about it.

No. Finance is for business purposes only.

Every loan is priced on the business's own circumstances, so a headline rate would mislead you. You see the full cost of a real offer before you decide anything.

Compare the total amount repayable, all fees and any early payout terms. Our repayment estimator turns a quote's total cost into daily, weekly and monthly figures.

No. One team handles your enquiry. We do not spray it around the market.

Usually through a secure, read-only bank link that you approve yourself. It lets the assessor see transactions without being able to move money.

Yes, on 07 3106 8922. The online enquiry is still the quickest start, because it puts your details in front of the right person immediately.