How it works
How it works: tonight, tomorrow, done
Five steps from 'I need money' to money in the account — and what you can do to make each one faster.
- 1
Tonight · about 60 seconds
Tell us how much, what it's for, your state and whether you own property. No credit check when you first enquire, and no documents needed yet.
- 2
Tonight · 10 minutes (optional)
Do the document dash: ID, bank statements and, if you own property, your rates notice and mortgage statement. It's the biggest speed boost there is.
- 3
Tomorrow morning
A real person reads your enquiry and calls you. Answer the phone — it may be a number you don't know. You'll hear what's realistic and how fast.
- 4
Tomorrow, once you choose to go ahead
Send the documents in one go, answer any questions quickly and sign as soon as paperwork arrives. Credit checks only happen at this stage, with your OK.
- 5
Money lands
Funds go to your account or straight to whoever needs paying. For business borrowers with property, $20k to $250k is possible the same day and up to $5m within 24–48 hours.
Where speed really comes from
Security, documents and a clear purpose. Property behind a business loan is the biggest accelerator; complete paperwork is the second; a straightforward explanation of what the money is for is the third. The Tomorrow-o-meter shows you where you stand on all three, and the loan speed-killers lists what slows people down.
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 decided to go ahead with an option.
Will my details be sent to lots of lenders?
No. One real team looks at your situation and works out what fits. Your details aren't sprayed around and your phone won't melt.
What's the fastest thing I can do to speed it up?
Have your documents ready and answer the call. Most delays are paperwork and missed calls, not the decision.
Can you help with personal needs as well as business?
Yes, we look at both. Business options are where the fastest speeds are possible; personal needs are looked at case by case.
Need it fast? Start the clock.
One 60-second enquiry, no credit check when you first enquire, and a real person who calls you back with the quickest sensible option.
No credit check to enquire
No spray-and-pray
A real person, quickly