How fast can business funding land?

Unsecured, low-doc facilities can approve in 24–72 hours. Secured lending takes longer — think weeks — but prices far better. Tell us the real deadline and we'll tell you the real options.

What will I need to provide?

For fast facilities, often just business bank statements and an ABN with some trading history. Larger or secured facilities want financials. More paperwork generally buys a better price.

My ABN is under a year old — any options?

Some, mostly cash-flow lenders looking at your bank statements rather than your history. Limits are lower and pricing is higher; sometimes the strongest advice is which two months of trading to wait for.

Can I get funding with an ATO debt?

Frequently, yes — some lenders fund the payout itself. Untreated tax debt narrows options over time, so earlier is genuinely easier.

Will I have to guarantee the loan personally?

For most SME lending, yes — directors' guarantees are standard. It means the debt is ultimately yours, which is why the "should you borrow" conversation comes before the "can you borrow" one.

Business Finance

Funding that keeps up with the business.

Working capital, fit-outs, equipment, expansion, tax debt — from $20k to $2m+, secured or unsecured, matched to how fast you need it.

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Most business problems are cash-flow problems.

Working capital

Smooth the gap between doing the work and getting paid.

Equipment & vehicles

Finance the asset against itself.

Fit-out & expansion

New site, more capacity, bigger contracts.

Commercial property

Own your premises.

ATO & tax debt

More fundable than most owners think — and better handled early.

Refinancing business debt

Roll expensive short-term facilities into something saner.

Property helps. It isn't required.

Security — usually property — buys lower rates and bigger limits. No property? Unsecured and cash-flow-based lenders assess on trading performance and move in days, at a price. We'll show you both lanes and what the speed premium actually costs.

The honest bit.

Fast business money is easy to get and easy to regret. Some online lenders quote 'factor rates' that hide an eye-watering annual cost. We put every offer in the same terms — total cost, real annual rate, repayment shape — so you compare like with like. If the best answer is 'don't borrow, fix the debtor terms', you'll hear that too.