Small business loan questions, answered straight

No. There's no credit check when you first enquire. We only talk about a credit check once you've seen your options and decided to go ahead.

No. A specialist reads your enquiry and approaches the lender that suits your situation. Your details aren't broadcast to a list of lenders or sold on.

A finance specialist who works on small-business milestones — fit-outs, equipment, stock, openings and purchases. Not a call centre script.

Because the right answer depends on them. The amount, purpose, state, trading time and any property decide which route fits. Accurate answers mean we can point you the right way on the first call.

Property-secured business loans run from $20,000 to $5,000,000. Unsecured, cash flow and line-of-credit options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.

Business purposes: equipment, vehicles, fit-outs and refurbishments, stock, opening or buying a business, a second location, hiring, tax bills and working capital.

On property-secured loans, $20k to $250k is possible same day and up to $5m possible within 24–48 hours. Same-day funding is possible for smaller unsecured amounts. Paperwork readiness makes the biggest difference.

Often, yes. Equipment finance usually pays the supplier, and other facilities can pay a builder, seller or settlement agent where that suits.

Sometimes. Without trading history, the usual routes are borrowing against property you or a director own, or equipment finance with a deposit. Unsecured options generally need some trading history first.

Yes. Past credit issues are considered case by case, and property-secured loans in particular focus more on the security and the plan than on an old default.

Often. ATO debt is considered case by case, and some owners borrow partly to clear it. Being up to date with lodgements and honest about the debt helps.

No. Unsecured, cash flow, line-of-credit, invoice and equipment finance don't need property. Property simply opens up larger amounts and more flexibility.

Because every small business loan is priced on its own circumstances — security, trading history, the asset, the amount and the term. You'll get real numbers for your situation, not a teaser.

Most small business lending to companies involves a director's guarantee. We'll tell you upfront whether your route needs one and what it means.

Usually, yes — such as establishment, valuation or legal fees depending on the route. We explain them before you commit so you can compare the total cost, not just the headline.

It depends on the product and lender. Some allow early repayment freely, others charge a fee. Ask us and we'll spell it out for your option.