How It Works — From Enquiry to Funding

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1. Find your shelf (optional)
Browse the A–Z index, filter the Loan Finder or answer the five-question matcher. Or skip it — we can work it out together.
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2. Tell us the job (about 60 seconds)
What the money is for, roughly how much, your state and a few details about the business. No credit check when you enquire.
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3. One specialist calls you
The person who read your enquiry calls to understand the full situation: purpose, security, timing, any credit or tax issues.
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4. A short list, explained
You hear which one, two or three loan types genuinely fit, what each involves and what it would cost to run, in plain English.
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5. Paperwork, only if you go ahead
We tell you exactly which documents that lender needs — nothing more — and help you put them together.
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6. Approval and settlement
Funds are paid to your account, or directly to the supplier, vendor or ATO as the deal requires.

Common questions

Do I need to know which loan I want before enquiring?

No. Many people enquire with just a purpose and an amount. Working out which entry in the directory fits is our job.

Does enquiring affect my credit file?

No. There's no credit check when you first enquire. A check is only discussed once you choose to go ahead with an application.

Will lots of lenders contact me?

No. Your enquiry is read by one specialist, who calls you personally. We don't distribute it to a long list of lenders.

How long does it take?

It depends on the loan type and how ready your documents are. Asset and cash flow lending can be straightforward; development or acquisition finance takes longer. Your specialist will give you a realistic timeline.

Why do you ask for accurate answers?

Because the amount, purpose, state and any property you own decide which shelf you're on. Accurate answers mean the right option on the first call.

Start your 60-second enquiry or browse the A–Z index first.

How it works, step by step