Free speed tool
How much do I need?
List what has to be paid, what you hold now and what will land in time. Add a buffer. Get a sensible amount to ask for and the funding lane it fits.
Your number
Suggested amount to ask for
$0
- Bills to cover$0
- Available in time$0
- Shortfall before buffer$0
- Likely lane-
A planning estimate from your own numbers. Not an offer of finance.
Ask for this amount →Ready to start the clock?
A 60-second enquiry shows what is possible for your business, and how fast. No credit check to enquire, and a real person reviews it.
Getting the amount right the first time
Asking for the wrong amount is one of the quiet causes of slow funding. Ask for too little and you are back for a second round within weeks, with a fresh assessment and fresh delays. Ask for far too much and a lender has to dig deeper to justify it, which takes time, and you pay for money you did not need. The sweet spot is the real shortfall plus a sensible buffer.
How the planner works
It adds every bill you list, then subtracts the cash you already hold and the money that will genuinely land before those bills fall due. It keeps aside the minimum balance you never want to drop below, because running the account to zero invites dishonours. Whatever is left is the shortfall. The buffer then adds a margin for the things nobody plans, such as a late payer or a repair.
Which lane fits your number?
- $5k to $500k without property: unsecured cash flow funding, sized on turnover and bank statements. See 24-hour unsecured business loans.
- $20k to $5m with property: first mortgage, second mortgage or caveat, with no valuation needed. See 24-hour caveat loans.
- A recurring shortfall: consider a fast line of credit rather than a lump sum.
Got your number? Start your 60-second enquiry and put it in the amount box. No credit check to enquire, and a real person checks it makes sense for you.
Questions about this tool
Why not just borrow a round number?
Because every extra dollar has a cost and every dollar short means a second application. Adding up the real bills, subtracting what will genuinely arrive in time and adding a sensible buffer gets you close to the right figure first time.
What should count as money arriving in time?
Only receipts you are confident will land before the bills are due: card settlements, customer payments with a firm date, or a refund already approved. Hopeful payments belong in the buffer conversation, not here.
Is there a minimum or maximum I can ask for?
Unsecured cash flow funding is typically $5k to $500k. Property-secured loans run from $20k to $5m. Your answer here helps you choose the right lane.
Is my information stored?
No. The tool runs privately in your browser and nothing is saved or sent.
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
Funding Speed Checker
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Open the tool →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 →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.