How It Works: Applying for Fast Business Finance

1
Hour 0 — apply in about 60 seconds
Tell us the amount, what it's for, your state and a little about the business and any property. No credit check at this point.
2
Within hours — a real person calls
A finance specialist reads your application, rings you, and works out the fastest sensible route: secured or unsecured, which lender, which documents.
3
Same day — documents and assessment
You send ID, bank statements and any property details. The lender assesses the deal, and a credit check happens only now, with your go-ahead.
4
Offer — terms in plain English
If it fits, you get the offer with every fee and condition laid out. Take the time you need to read it.
5
Within 24 hours — funds released
Once documents are signed and any security is registered, funds are paid to your account or straight to whoever needs paying. That's our aim from your first application.

How to keep your file on the 24-hour track

Be precise on the form. The amount, the purpose and whether there's property involved decide which lender we go to first.
Have documents ready. Photo ID, ABN, six months of business bank statements and, for property loans, the address and current loan statement. Our documents checklist explains each one.
Answer the call. It may come from a number you don't recognise. A five-minute conversation saves a day of emails.
Mention anything awkward early. Old defaults, a tax debt, a property in a family trust — none of these are deal-breakers, but surprises late in the process are what cause delays.

For a deeper look at each stage, read how 24-hour funding works and what slows funding down.

Common questions

What makes 24 hours realistic?

A complete application, verified ID, recent bank statements, clear property security where it's needed and, for larger property loans, a quick valuation. When those are in place, funding within 24 hours of the first application is a realistic aim.

What can slow things down?

Missing documents, a full valuation on a complex property, a payout figure from an existing lender, a title held in a different name, or a credit history that needs explaining. We tell you on the first call which of these apply.

Does enquiring affect my credit score?

No. There's no credit check when you first enquire. A check only happens if you decide to proceed.

Will my details be sent to lots of lenders?

No. We work on your file ourselves and approach the lender that fits — no blasting your details across the market.

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How fast business finance works with us