Free speed tool
How fast can I be funded?
Eight quick questions. A realistic funding timeline for your situation, and a list of exactly what is likely to slow you down, with the fix for each.
Your realistic timeline
Likely speed band
Same day to 24 hours
What could slow you down
A planning guide only, based on what usually affects timing. It is not an approval or an offer of finance.
Start my enquiry now →Like the timeline? Start the clock.
The fastest way to a real answer is a real enquiry. 60 seconds, no credit check to enquire, and a person on it quickly.
What this checker is really measuring
Lenders do not run slower or faster at random. The hours between an enquiry and money in your account are spent on a short list of jobs: confirming who you are, reading how the business trades, checking any security, preparing documents and getting them signed. The checker scores how much of that work your situation will need, and how much of it you can hand over straight away.
That is why the first three questions carry the most weight. Property security changes which route a loan takes. The amount decides how deep the assessment goes. And bank statements are the single piece of evidence almost every fast lender wants first, so being able to share them online in minutes rather than chasing a bookkeeper for two days moves the whole timeline forward.
How to read your result
The speed band is the realistic window from enquiry to funds, assuming you respond quickly to any questions. The steps underneath show where the time goes. The blockers list is the useful part: each item is something that adds hours or days, with a practical fix. Clear two or three of them before you enquire and the band often moves up a level.
| Band | What it usually means |
|---|---|
| 15 minutes to 1 hour approval, funds same day to 24 hours | Straightforward profile, statements ready, nothing unusual to explain. |
| Approval same day, funds within 24 to 48 hours | One or two things need checking, such as a trust deed, an ATO balance or a co-owner signature. |
| 2 to 5 business days | Several blockers stacking up. Usually fixable, but worth tackling before the deadline gets closer. |
Why accurate answers beat optimistic ones
It is tempting to tick the best-sounding box. Resist it. The checker is private, and the enquiry form works the same way: accurate answers let us match you to the right option the first time. A loan that is restructured halfway through, because the amount, the turnover or the credit picture changed after the first call, is the slowest loan of all.
If your result shows a few blockers, the fast-funding document checklist builds a tailored list of what to gather, and our guide to what slows business loan approvals explains each delay in plain English. When you are ready, start your 60-second enquiry. There is no credit check to enquire.
Questions about this tool
How accurate is the funding speed checker?
It is a realistic guide, not a promise. It weighs the things that genuinely decide how fast a business loan moves: security, paperwork, structure, credit history and how quickly you can respond. Your actual timeline is confirmed once a real person has looked at your enquiry.
Why does having property make funding faster for bigger amounts?
Property-secured loans lean on the security more than on years of financials, and our property loans need no valuation. For larger amounts that usually means fewer documents and a quicker decision than an unsecured loan of the same size.
Why does a trust slow things down?
A lender has to confirm who the trustee is and that the trust can borrow, which means reading the trust deed and any variations. If you can lay your hands on the full deed now, much of that delay disappears.
Does using this tool affect my credit file?
No. Nothing you choose here is stored or sent anywhere, and there is no credit check to enquire with us either. A credit check only happens later, once you decide to go ahead with an offer.
What is the single biggest thing I can do to be funded faster?
Have six months of business bank statements ready to share online and answer the enquiry form accurately. Most delays come from missing statements and from details that change after the first conversation.
Our promises
No credit check to enquire
Asking where you stand leaves your credit file alone. Any check comes later, and only once you decide to go ahead.
No spray and pray
Your enquiry is not blasted out to a dozen lenders. One team works it, start to finish.
A real person, fast
A human picks up your enquiry, usually within minutes in business hours. Accurate answers on the form mean a faster, cleaner match.
More free speed tools
Cost of Delay Calculator
Put a dollar figure on waiting: penalties, lost sales and missed discounts for every day the money is late.
Open the tool →Cash Flow Gap Calculator
Eight weeks of money in and money out. See the lowest point, the day it hits and the size of the hole.
Open the tool →Repayment Estimator
Enter the amount, the term and the total cost quoted. See daily, weekly and monthly repayments. No rates needed.
Open the tool →Equity Release Calculator
Your estimate of the property's worth, what is owed and the lending ratio. See the equity you could put to work.
Open the tool →Fast-Funding Document Checklist
Build your personal checklist by loan type and structure, then tick it off before you apply.
Open the tool →How Much Do I Need?
Add up the bills, the buffer and the timing to find the right amount to ask for, not too little and not too much.
Open the tool →Numbers done? Now let's move fast.
One 60-second enquiry. No credit check to enquire, no spraying your details around, and a real person on it fast.