How it works
How it works: from cash gap to cash in the account
Five steps, no runaround, and a real person the whole way.
- 1
1. Tell us the gap (about 60 seconds)
How much, what it's for, when it's due, your turnover and whether you own property. There's no credit check to enquire.
- 2
2. A real person reads it and calls you
A business cash specialist looks at your situation and rings you, usually the same business day, to fill in the picture.
- 3
3. Straight options, shaped to your gap
Unsecured cash, a cash line or property-backed cash. We explain what's realistic, how fast it can move and what it needs.
- 4
4. Documents, only when you decide to go ahead
Typically business bank statements, ID and your ABN, plus property details for secured options. We tell you exactly what's needed upfront.
- 5
5. Cash lands
Funds go to your business account or directly to whoever needs paying. Same-day funding is possible for smaller unsecured amounts; $20k to $250k is possible the same day with property security.
Before you start: the two-minute prep
You don't need anything to enquire. But if you want things to move fast once you decide to go ahead, have these handy:
- recent business bank statements for every account the business uses
- photo ID for each owner or director
- your ABN, and ACN if you trade through a company
- the bill, invoice or quote you need to cover
- property address and current lender, if you own property
Not sure how much you need? Run your numbers through the cash gap calculator or take the which business cash fits me quiz first.
Common questions
How long does the whole process take?
It depends on the amount, the security and how quickly documents are ready. Same-day funding is possible for smaller unsecured amounts, and up to $5m is possible within 24 to 48 hours with property security.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've seen your options and decided to proceed.
Will my details go to lots of lenders?
No. We don't spray your details around. A real person reviews your situation and matches it properly.
Why do you ask for accurate figures on the form?
Because the amount, turnover, purpose and property details decide which options fit. Accurate answers mean the right match on the first call instead of a second round of questions.
What if I don't qualify?
We'll tell you straight, and where we can, suggest what might change that, such as building a longer trading history, tidying up an ATO position or using property security.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
No spray-and-pray
A real person on the phone