One enquiry to compare bank, non-bank and specialist finance for working capital, stock, growth, refinance and other business needs.
A wholesaler had a confirmed stock order and a tight supplier deadline. We matched the short trading cycle to a lender and presented the sales evidence clearly, with the facility ready before the order cut-off.
Use a focused guide to understand the policy and evidence before making a formal lender application.
A practical overview of lender pathways, documents and finance structures.
Explore the guide →A practical overview of lender pathways, documents and finance structures.
Explore the guide →A practical overview of lender pathways, documents and finance structures.
Explore the guide →A practical overview of lender pathways, documents and finance structures.
Explore the guide →A practical overview of lender pathways, documents and finance structures.
Explore the guide →The quote process is designed to narrow the route before a formal lender application.
Amount, purpose and a few business facts.
Compare bank, non-bank and specialist options that may fit.
Only then move to a formal application and lender checks.
Compare more than headline rate.
| What matters | What to compare | Why it matters |
|---|---|---|
| Repayment structure | Daily, weekly, monthly or revolving | Repayment timing can matter as much as rate. |
| Security | Unsecured, GSA, property, receivables or asset backed | Security changes pricing, limits and risk. |
| Flexibility | Term loan, line of credit, redraw or invoice facility | Match the product to whether the need is one-off or recurring. |
Property can open a different business-finance pathway. Start with the mechanics before deciding whether a first mortgage, second mortgage or other secured structure is appropriate.
See how property value, existing secured debt, total LVR, mortgage ranking and exit strategy shape a business-purpose facility.
Read the guide →Estimate the mathematical headroom against the property at 65%, 70% and 75% total LVR before assuming the equity is borrowable.
Use the calculator →Sending this enquiry does not require a lender credit check. A lender may make a credit enquiry later if you choose to proceed and give the required consent.
No. Tell us the amount, purpose and business profile. The point of the enquiry is to narrow the realistic lender and structure options.
Possibly. A bank decline does not guarantee another lender will approve, but different lenders assess turnover, conduct, security and documentation differently.
Start with the amount, purpose and business profile.