How it works
From growth idea to lift-off
Six steps, the maths done first, and a real person beside you from the first call.
Most finance processes start with the lender's checklist. Ours starts with your growth move. Before we talk structures, we want to know what the money will do, what it should earn and how long it will take to hit full speed — because the right funding is the one the new profit can comfortably carry.
- 1
1. Run your payback numbers (optional, two minutes)
Use the Growth ROI calculator to see whether the move pays for itself inside a sensible term. It helps you ask for the right amount and gives the conversation a head start.
- 2
2. Send your 60-second enquiry
The amount, what it's for, your state and a few facts about the business and any property. No credit check when you first enquire.
- 3
3. A real person calls you
A lending specialist reads your enquiry and rings to understand the plan: what the move should earn, how fast, and what the business looks like today.
- 4
4. Options shaped around your payback
We explain what's realistic — unsecured or property-secured, the term that suits the ramp-up, and the total cost in dollars so you can check it against your numbers.
- 5
5. Documents, only if you go ahead
Once you decide to proceed, you'll get a clear list: typically ID, ABN or ACN details, business bank statements, and property details if it's a secured loan.
- 6
6. Funding and lift-off
Funds go to your business account or straight to the supplier, landlord or fit-out company. Then the move gets to work paying itself back.
What to have handy
- The amount and a one-line description of the move (quotes help if you have them).
- A rough idea of the extra revenue and your gross margin on it.
- Your ABN or ACN and how long you've been trading.
- Whether you or the business own property that could be offered as security.
Not sure of the numbers yet? Try the Growth ROI calculator or the growth readiness check first.
Common questions
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 chosen to go ahead.
Will my details be sent to lots of lenders?
No. We don't spray enquiries around. A real person looks at your growth plan and matches it deliberately, so your phone won't light up with strangers.
Do I need a business plan to apply?
Not a formal one. What helps is a clear answer to three questions: what you're funding, what it should earn, and how long it will take to reach full speed. The ROI calculator gets you most of the way.
Why do you ask what the money is for?
Because the purpose decides the right structure. A marketing push that pays back in months suits a very different facility from a second location that takes a year to mature. Growth funding is for business purposes only.
Why should I fill the form in accurately?
Accurate details — especially amount, purpose, state, trading history and any property you own — let us point you to the right option on the first call instead of the third.
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
No spray-and-pray
A real person on your plan