Fast, simple cash flow funding
Funding that moves as fast as you do.
Unsecured business loans and lines of credit from $5k to $500k, judged on how your business trades rather than what it owns. Tell us what you need in about 60 seconds. No credit check to enquire.
No property needed
Unsecured options are sized on your trading, not your assets.
60-second enquiry
A handful of questions. No paperwork to start.
Real people reply
A specialist reads it and comes back to you quickly.
Same-day possible
For smaller unsecured amounts with documents ready.
Business loans
Every kind of cash flow need, covered.
Four ways most businesses get funded with us, and plenty more when the situation calls for it.
Express Loan
Up to $500k unsecured
A lump sum decided on your cash flow, arranged quickly with as little paperwork as possible.
See how it worksLow-Doc Loan
Bank statements first
No full financials needed to start the conversation. Recent statements tell most of the story.
See how it worksBad Credit Loan
Any credit considered
Defaults, arrears or ATO debt on file? How the business trades today can still carry the day.
See how it worksLine of Credit
A limit you redraw
Draw what you need when you need it, repay, and draw again without starting over.
See how it worksCompare every product, from invoice finance to property-secured loans →
Any credit history
Clean file or bumpy one, let's talk.
Cash flow lending leans on how your business trades today. Pick the one that sounds like you.
Good credit
A clean file is leverage. Use it.
With a tidy credit history and steady deposits, you are in the strongest position to move quickly and choose between structures. We help you present it so the speed and terms reflect it.
Read more →Fastest path
Clean history plus steady banking usually means fewer questions
Fair credit
A missed payment is not a full stop.
A late bill or two, a credit card that ran hot, a rough quarter. Lenders in this space look past a score to how the business is trading now, so a recent wobble is often explainable.
Read more →Still in play
Recent trading can outweigh an older blemish
Bad credit
Bad credit? Let's look anyway.
Defaults, judgments and ATO debt are considered case by case. The bank statements show what your business does every day, and that is what cash flow lending leans on most.
Read more →Case by case
Defaults and ATO debt considered, not auto-declined
Already have a loan?
Roll it into one, or add to it.
Existing finance does not have to rule you out. It just changes which door is the right one.
Consolidate what you owe
Several repayments leaving the account each week? Combining them into one facility can ease the pressure on cash flow and make the numbers easier to manage.
- One repayment instead of several
- Can include short-term loans and tax debt
- Considered with past credit issues
Add funding alongside it
Happy with your current lender but need more working capital now? A second facility can sit next to the first, as long as the cash flow clearly supports both.
- Keep your existing loan in place
- Sized on what your account can carry
- Useful for growth and big orders
Online from start to finish
Enquire online. Hear back fast.
No branch visit, no stack of forms and no waiting a week to find out where you stand. The whole process runs from your phone or laptop.
Free calculators
Run the numbers before you borrow.
Seven quick tools for repayments, cash flow gaps, working capital and more. Nothing you enter is stored or sent.
Repayment Estimator
Enter the amount, the term and the total cost a lender quotes. See weekly, fortnightly and monthly repayments side by side.
Open calculator →Cash Flow Gap Calculator
Twelve weeks of money in and money out. Find the lowest point, the week it hits and the size of the gap.
Open calculator →Working Capital Calculator
Debtor days, stock days and creditor days into one cash cycle, and the working capital it ties up.
Open calculator →Invoice Finance Calculator
See how much an advance on your unpaid invoices could release now and what lands when customers pay.
Open calculator →How it works
Three steps to funded.
1 · Tell us what you need
Answer a few questions in about 60 seconds. There is no credit check to enquire and nothing to upload yet.
2 · Talk it through
A real person reviews your enquiry, asks what matters and shows you the options that genuinely suit how you trade.
3 · Get the funds
Choose your option, share your statements securely, sign, and the money is paid to your business account.
Industries
Built around the way you trade.
From cafes to civil contractors, every industry has its own cash cycle. Find yours.
- Trades and construction
- Earthmoving and civil
- Transport and logistics
- Agriculture and farming
- Cafes and restaurants
- Food trucks and catering
- Retail shops
- Ecommerce and online stores
- Wholesale and distribution
- Mechanics and automotive
- Cleaning businesses
- Manufacturing and fabrication
- Allied health clinics
- Dental practices
- Medical and GP clinics
- Hair and beauty salons
- Gyms and fitness studios
- Professional services
- Real estate agencies
- IT and tech services
Guides
Know more, borrow better.
How Fast Can a Business Loan Be Funded in Australia?
How long business loans take in Australia: same-day unsecured funding, 24 to 48-hour secured loans and the steps that speed up or slow down your funding.
Read the guide →Getting fundedBusiness Loan Documents Checklist for Australia
The documents Australian lenders ask for with a business loan: ID, ABN, bank statements, ATO statements, financials and property details, plus how to prepare.
Read the guide →Getting fundedHow Lenders Read Your Business Bank Statements
What cash flow lenders look for in your business bank statements: deposits, outgoings, existing loans, ATO payments and dishonours, and how to present yours.
Read the guide →Comparing financeLine of Credit vs Business Loan: Which Fits?
Business line of credit versus business loan: how each works, what each costs, worked examples and a simple test to decide which suits your cash flow need.
Read the guide →Comparing financeInvoice Finance vs Line of Credit: Which Is Better?
Invoice finance versus a business line of credit: how each works, costs, who each suits and how to choose based on your customers and your cash flow gaps.
Read the guide →Comparing financeSecured vs Unsecured Business Loans in Australia
Secured versus unsecured business loans in Australia: amounts, speed, cost, personal guarantees, risks and how to decide which suits your business.
Read the guide →FAQ
Worth knowing.
How much can my business borrow?
Unsecured cash flow loans and lines of credit typically run from $5,000 to $500,000, sized on your turnover and what your business bank statements show. If you need more, or you would rather use property, secured options run from $20,000 up to $5,000,000.
How quickly can the money arrive?
For smaller unsecured amounts, same-day funding is possible when your statements and ID are ready and the lender's checks come back clean. Property-secured amounts from $20k to $250k can also be possible the same day, and up to $5m possible within 24 to 48 hours. We will give you a realistic timeline once we understand your situation.
Will enquiring affect my credit score?
No. There is no credit check when you first enquire. A credit check only happens later, if you decide to proceed with a specific offer, and you will know before it happens.
Can I still get funding with bad credit?
Often, yes. Defaults, past arrears and ATO debt are considered case by case. Lenders in this space look closely at how the business is trading now, so recent bank statements can carry a lot of weight.
What do I need to get started?
Your ABN, a rough idea of the amount and what it is for, your monthly turnover and your contact details. Later, most lenders will ask to see recent business bank statements, usually shared securely online.
Do I need property or other security?
Not for unsecured cash flow loans or lines of credit. Those are assessed mainly on your trading. Property is only needed if you choose a secured loan, usually for larger amounts.
Will you send my details to lots of lenders?
No. We do not spray your details around the market. A real person reviews your enquiry and only approaches a lender that suits your situation, with your knowledge.
What can the money be used for?
Any genuine business purpose: wages, stock, a tax bill, a big order, equipment, a fit-out, marketing or refinancing more expensive debt. It cannot be used for personal spending.
Ready when you are.
A 60-second enquiry, no credit check to enquire and a real person reviewing it. Your details are never sprayed around the market.