How It Works: Triage, Match, Fund

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1. Tell us what's due (about 60 seconds)
The amount, what it's for, the deadline, your state and whether there's property. No credit check to enquire, and no documents needed at this stage.
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2. A real person triages it
A specialist reads your enquiry, checks the deadline against what's realistic and calls you — usually to confirm the amount, the timing and what you have ready.
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3. One matched pathway
Property-secured or unsecured, how much, how fast and exactly what's needed. Your details stay with one team rather than being sent to a string of lenders.
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4. Documents and approval
Only once you decide to go ahead. Send what's asked for straight away — bank statements, ID, the bill, and property details if relevant. This is when a credit check is discussed.
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5. Paid where it's owed
After approval and signing, funds go to your account or straight to the creditor — the supplier, the ATO, the broker — whichever keeps it simplest.

What makes it fast

Speed in urgent finance comes from preparation, not shortcuts. The three things that make the biggest difference are all in your hands:

The right number. Include everything due before your next reliable money arrives, so the amount doesn't change mid-way. See how much to borrow.
Documents ready. Six months of business bank statements, ID, ABN or ACN, the bill itself and property details if relevant. See the readiness checklist.
Everything disclosed. ATO debt, credit issues and existing mortgages are considered case by case — but only if we know about them at the start.

What we won't do

Run a credit check just because you asked a question.
Send your details to a pile of lenders and let them fight over you.
Promise a speed we can't deliver. Where same-day or 24–48 hours is possible, we'll say so — and where it isn't, we'll tell you what is.
Publish interest rates that don't reflect your situation. Every loan is priced individually.

Common questions

How long does the whole process take?

It depends on the pathway and how quickly documents and security line up. For property-secured loans, $20k to $250k is possible same day and up to $5m is possible within 24–48 hours. Same-day funding is also possible for smaller unsecured amounts.

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 decide to go ahead.

Will my details be sent to lots of lenders?

No. Your enquiry goes to one team, who match your situation properly. We don't spray your details around, so you won't be flooded with calls.

What if my deadline can't be met?

We'll say so early. Then the plan is to buy a short extension with the creditor while funding moves — a firm new date agreed before the old one passes.

Why do you ask for accurate answers on the form?

Because the form is what we match you on. The closer the amount, deadline and property details are to reality, the more likely the first option we suggest is the one that works.

Start the 60-second enquiry →