How it works
How getting a business loan online works
Eight steps, no branch, no paperwork shuffle — and a real person on your file the whole way.
Here's the whole journey, from the first tap to funds in your account. Most of it takes minutes; the specialist handles the rest. If you want the detail behind any step, our how online lending works section explains each one.
- 1
1. Send a 60-second enquiry
From your phone or laptop: how much, what for, how long you've traded, rough turnover and whether you own property. No credit check, no commitment.
- 2
2. A real specialist follows up
Usually by phone, at a time that suits you. They get the full picture and tell you plainly what looks realistic — or what would change the answer.
- 3
3. Share bank statements by secure link
If you decide to proceed, you approve a read-only link to your business account. It can't move money and you never share your password.
- 4
4. Verify your identity with your phone
A photo of your licence or passport and a quick selfie. Every director, partner or guarantor completes their own check on their own device.
- 5
5. Upload anything else that's needed
Only what your situation calls for — a supplier quote, recent BAS, an ATO statement or property details. Your specialist tells you exactly what.
- 6
6. Assessment and approval
The lender reviews your file. A credit check usually happens at this stage, and your specialist tells you before it does.
- 7
7. E-sign your documents
Read everything on screen, ask anything you like, then sign electronically. For property-secured loans, any witnessed step is flagged upfront.
- 8
8. Funding
Funds are paid to your business account, or directly to a supplier or the ATO where that's agreed. Funding always follows approval.
What you'll want within reach
- Your ABN (and ACN for a company or corporate trustee)
- A current driver licence or passport for each owner, director or guarantor
- Your internet banking login, plus any token or second approver
- A rough list of existing loans and repayments
- For secured loans, the property address and current mortgage balance
For a list tailored to your structure and bookkeeping, try the Skip-the-Branch Checklist.
Common questions
Do I ever need to visit a branch?
No. Every step happens online or by phone. Some property-secured loans include a document that needs a witness, which can usually be arranged locally — you'll know at the start.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is usually part of the formal assessment later, and you'll be told before it happens.
Will my details be sent to lots of lenders?
No. Your enquiry goes to one team who work on your situation. We don't spray your details around and wait to see who calls.
How long does it all take?
Your part can be done in a few short sessions. Overall timing depends on the loan, the amount and how quickly documents come back. Speed can be possible in the right circumstances, but funding always follows approval.
What if I get stuck on a step?
Call or email your specialist. They can talk you through the bank-statement link, the ID check or e-signing, or offer an alternative such as PDF statements.
Ready when you are
The enquiry takes about a minute. Please answer it as accurately as you can — it's what lets your specialist point you to the right option on the first call.
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 enquire
Not sprayed to dozens of lenders
A real person on your file