Frequently asked questions

No. Asking which route could work involves no credit check. A check only happens later, with your consent, if you choose to proceed with a specific lender.

No. We don't push enquiries out to a crowd of lenders. A specialist reads your file and matches it to the one route and lender that suit it.

A real lending specialist who has read your enquiry. They'll call to understand the full picture before suggesting anything.

Because the route depends on the details: property, turnover, tax position, credit history and amount. Accurate answers mean the first route we suggest is the right one.

Often, yes. Specialist lenders use different rules. Property-secured lenders lean on equity and the exit; cash-flow lenders lean on recent bank statements. The right route depends on what you can offer instead.

Yes, case by case. Many loans are arranged specifically to pay the ATO, with the payment made directly at settlement. Lodgements being up to date helps a great deal.

They're considered case by case. Paid and explained listings are far less of a barrier than open ones, and property-secured routes are the most forgiving.

It narrows the options rather than closing them. Property security, a guarantor or several months of steady deposits can stand in for a longer track record.

Often, yes. Specialist lenders can work from bank statements, lodged BAS, management accounts and an accountant's letter while you catch up.

Property-secured business loans run from $20,000 to $5,000,000 against residential or commercial property. Unsecured, cash-flow and line-of-credit options typically run from $5,000 to $500,000, sized on turnover and bank statements.

Not always. Without property, the main routes are unsecured cash-flow loans, guarantor support, invoice-backed funding and equipment-based options. Property usually allows larger amounts and is more forgiving of credit history.

We don't publish rates. Every loan is priced on its own circumstances: the security, the file, the term and the exit. A specialist explains the full cost in dollars before you commit.

Yes. Payouts to the ATO, merchant cash advance providers, online lenders and suppliers are commonly made directly at settlement.

Because short-term and specialist funding should be temporary. A written exit, whether refinance, sale or trading, keeps the loan the right size and length and gives the lender confidence.

Tell your lender early, with evidence for a revised date. Options include an extension, a refinance elsewhere, a partial repayment or a sale of another asset.

That's often the plan. Use the term to bring lodgements current, clear tax debt and build clean repayment history, then refinance to cheaper money.

No. Everything here is for business purposes only.