Australian business funding on call
Working capital, lines of credit and unsecured loans from $5k to $500k. Property-secured funding from $20k to $5m with no valuation. One 60-second enquiry, read by a real person.
Tap a key
Two lanes, one enquiry
Almost every business funding request fits one of two lanes. Tell us about the business and the property situation and we will put you in the right one.
$5k to $500k
Sized on turnover and the last few months of bank statements. Good for wages, stock, tax and the gaps between paying out and getting paid.
$20k to $5m
First mortgages, second mortgages and caveats over residential or commercial property. Bigger amounts, flexible terms, and the credit file matters less.
Try it now
Three taps and the matcher points you to a lane. The full Funding Matcher asks six questions and explains its answer.
Nothing you tap is stored or sent anywhere.
Start with the situation
Funding makes sense when it solves a specific problem and has a clear way of being repaid. These are the situations owners bring to us most.
Short of cash for wages or super? Options for covering payroll, payday super from 1 July 2026, and when a line of credit or short loan makes sense.
Read more
Can't pay your BAS on time? Lodge anyway, then weigh a payment plan, a short loan or a line of credit, and learn how to avoid the next squeeze.
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Seasonal cash gaps hit tourism, retail, farming, trades and hospitality. How to forecast the dip, size a line of credit and avoid the usual traps.
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When customers pay slowly, cash dries up even in a profitable business. How invoice finance, lines of credit and better terms can bridge the wait.
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Buying stock before your busy season? How to size a stock order, choose between a line of credit and a short loan, and protect yourself if sales disappoint.
Read more
Is it worth borrowing to take a supplier's early payment or bulk discount? How to compare the discount with the funding cost in dollars before you commit.
Read moreHow it works
Answer the 60-second enquiry: what the money is for, how much, how the business trades and whether there is property. No credit check.
A real person reads it and calls you, usually the same business day, to fill in the gaps and talk through the realistic options.
You see the offer in plain terms: amount, term, total cost and repayments. Nothing goes ahead, and no credit check runs, until you say so.
Sign the documents and the money moves. On a complete file, approval within the hour is possible and funding within 24 hours can happen.
What we promise
Your credit file stays untouched
Enquiring costs nothing and runs no credit check. A check only happens later, if you choose to go ahead with an offer.
One team, not a lead auction
Your details are not fired off to a list of lenders. The people who read your enquiry are the people who work on it.
A person who picks up
A real person reviews what you send and calls you back. Accurate answers on the form mean the first match is the right one.
Myths, busted
Free calculators
No rates, no sign-up. Every calculator runs in your browser and uses the figures you enter.
Six quick taps about your business and what the money is for. See which kind of funding fits and why.
Open itDebtor days, stock days and supplier days in, cash tied up in the cycle out. Find the gap a facility should cover.
Open itCash on hand, money in and money out each month. See how many weeks of runway you have and when it runs out.
Open itYour estimate of the property's worth, what is owed and a lending ratio. See the equity that could secure a loan.
Open itEnter the amount, the term and the total cost on a quote. See weekly and monthly repayments. No rates needed.
Open itYour unpaid invoices, the advance offered and the fees quoted. See the cash you could unlock now and later.
Open itBy industry
Guides
How to work out how much working capital your business needs, using debtor, stock and supplier days, plus a buffer for surprises and growth.
Read the guideCash flowCash runway tells you how many weeks your business can keep paying its bills. How to calculate it, what to include and how to extend it before it runs out.
Read the guideCash flowA 13-week cash flow forecast shows exactly when cash gets tight. A step-by-step guide to building one from your bank statements and keeping it up to date.
Read the guideCash flowDebtor days measure how long customers take to pay you. How to calculate them, why they matter for cash flow and practical ways to bring them down.
Read the guideCash flowHow to negotiate longer terms, staged deliveries or payment arrangements with suppliers when cash is tight, without damaging the relationship.
Read the guideCash flowWhy January is so tight for many Australian businesses, and how to plan for holiday shutdowns, leave loading, slow payers and the February BAS.
Read the guideIt means having money you can reach when the business needs it, instead of scrambling after the bill arrives. In practice that is usually a line of credit or standby facility you draw on and repay, or a loan arranged quickly against your trading history or property when a specific need comes up.
Unsecured cash flow loans, working capital and lines of credit are typically $5k to $500k, sized on your turnover and bank statements. Property-secured business loans, including first mortgages, second mortgages and caveat loans, run from $20k to $5m against residential or commercial property.
No. Enquiring runs no credit check. A credit check only happens later, if you decide to go ahead with a specific offer, and you will be told before it happens.
No. Property-secured loans arranged through us need no valuation. Lenders assess the property from its details and recent sales information, which removes one of the slowest steps in property lending.
It depends on the loan and how complete your information is. Approval within the hour is possible on a complete application, and funding within 24 hours can happen once documents are signed. Larger or more complex loans take longer, and we will tell you a realistic timeframe up front.
Yes, you can enquire. Defaults, a patchy credit file and tax debts are considered case by case. Explain the background honestly in the form and say what has changed. Property security in particular can make a difference.
No. Your enquiry is not sprayed across a panel of lenders or sold as a lead. The team that reads it works on it, and nothing goes further without you knowing.
Any genuine business purpose: wages, stock, tax, equipment, fit-outs, growth, buying a business, refinancing business debts and covering gaps between paying out and getting paid. The funding is for business purposes only.
One 60-second enquiry. No credit check to enquire, no spraying your details around, and a real person who actually calls you back.