Urgency Triage & Funding-Readiness Checker

How the checker reads your answers

Urgent finance is a race between two clocks: the date the money is due, and the time it realistically takes to arrange the right kind of funding. The checker lines those clocks up. It doesn't guess at approval — it looks at the facts that most often decide how fast a file can move, then tells you which pathway is likeliest to finish before your deadline.

1. The bill and the deadline

What must be paid changes the conversation. Wages can't be pushed back without real harm to your team, so payroll is treated as a hard deadline. An ATO debt or a supplier account often has some room if you make contact before the due date, so the checker suggests buying time where that's realistic. A deposit or a time-limited deal has a contract date that usually can't move. The deadline you pick is converted into business days, because weekends and public holidays don't count for settlements, valuations or bank transfers.

2. Property: the size-and-speed lever

Property-secured business loans run from $20,000 to $5,000,000 over residential or commercial property, as a first mortgage, second mortgage or caveat. For speed-sensitive cases, $20k to $250k is possible same day and up to $5m is possible within 24–48 hours when the security and paperwork line up. If equity is tight or you're unsure, the checker marks secured finance as possible rather than strong, because a valuation and your existing lender's position will decide it.

3. Turnover, trading history and credit: the unsecured lens

Without property, unsecured and cash-flow options typically run from $5,000 to $500,000, and they're sized on turnover and bank statements. The checker compares the amount you need with what flows through the account each month. A modest amount relative to turnover reads as a strong fit; a large one reads as a stretch. A short trading record or credit issues lower the rating, but they don't rule you out — past credit problems and ATO debt are considered case by case.

4. Documents: the part you control

Most delays in urgent finance aren't the lender deciding — they're waiting for a statement, an ID, a rates notice or the invoice itself. The readiness bar shows how much of the likely paperwork you already hold for your pathway, and the "prepare now" list shows exactly what to gather while you enquire. See the full funding readiness checklist for what each document does.

What to do with your result

If the checker shows a clear pathway, start the 60-second enquiry and mention what it suggested. If it says to buy time first, do both at once: contact whoever you owe today, and get the enquiry in so funding is already moving. Our pages on finance needed today and secured versus unsecured when time is short go deeper on each path.

Whatever the result, the promises are the same. Asking costs you nothing on your credit file. Your enquiry goes to one team rather than being passed around a list of lenders. A real person reads what's due and when, then calls you. The one thing we ask is that the form is filled in accurately — especially the amount, the deadline and any property — so the first option we put in front of you is one that can genuinely land in time.