Solution finder: the workable routes for your file

How to use the solution finder

The finder works the way a specialist would start a conversation with you: what's in the way, what can a lender rely on instead, and how much are we talking about? It doesn't need your name, your numbers or your credit file. It needs only the shape of the problem, and from that it ranks the funding routes that usually work for files like yours.

Tick every obstacle that applies, even the uncomfortable ones. A bank decline on its own points one way; a bank decline plus ATO debt plus stacked short-term loans points somewhere quite different. The property question matters most of all, because a lender secured over residential or commercial property can look past things that would stop an unsecured lender cold.

Why property changes the ranking so much

When a loan is secured over property, the lender's main questions become: how much equity is there, and how will the loan be repaid? A default from three years ago, a tax debt that the loan itself will pay out, or tax returns that are a year late all matter less. That's why ticking "yes" to property pushes routes like a property-backed loan or a second mortgage to the top.

Without property, the evidence shifts to your bank statements, your customers, your equipment or a supporter. Unsecured cash-flow loans are sized on turnover and typically run from $5,000 to $500,000. If the amount you need is larger than your statements comfortably support, the finder will lean towards a guarantor instead.

What the finder deliberately leaves out

It never asks for or shows an interest rate. Every loan is priced on the business's own circumstances, and a rate pulled from a calculator would be misleading. It also doesn't promise approval or timing. What it gives you is a sensible order in which to explore your options, the documents to start gathering and the trade-offs to weigh before you sign anything.

After the result: three next steps

1. Read the top route's page. Each one explains how the route works, who it suits, what the lender needs, the risks and how it ends.
2. Start the fixes in parallel. The finder lists one practical fix for each obstacle you ticked. Doing them now makes this loan easier and the next one cheaper.
3. Plan the exit. Any short-term route needs a written way out. Our exit plan builder turns it into dated milestones.

When you're ready, a real person can check the route against your actual file. Enquiring doesn't touch your credit file, and your details go to one matched lender rather than a crowd. Start a 60-second enquiry and answer the questions as accurately as you can.