How It Works: From What You Hold to Funding

You list what your business holds, send a 60-second enquiry, and a person calls to explain the routes that fit. A credit check and documents only come up if you decide to go ahead.

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1. List what your business holds
Use the Funding finder or go straight to the enquiry. Unpaid invoices, equipment, stock, property, steady sales, signed contracts, trading history: rough is fine.
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2. Send a short enquiry (about 60 seconds)
Amount, purpose, state and a few questions about the business. There is no credit check when you first enquire.
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3. A person reads it and calls you
Someone who understands asset and cash-flow lending reads your answers, not a queue and not a bulk blast to lenders.
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4. You hear the routes that look realistic
On the call we explain which routes fit what you hold, the trade-offs, and what each one will ask for.
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5. You decide whether to go ahead
A credit check and the full document list only come up if you choose a route. You can stop at any point.
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6. Documents, approval and funding
The funder assesses the application and, if approved, pays the funds to your account or to whoever needs paying.

What makes this different from applying to a bank?

A bank asks whether you fit its product. We ask what you hold and which funders lend against it. The questions in the enquiry are the same ones a specialist would ask first: what are you owed, what do you own, how does money arrive, and what does the funding need to do. Answer them accurately and the first conversation can skip the guesswork.

What happens if nothing fits?

Then we say so, and tell you what would change the answer, such as a longer trading history, tidier lodgements or a particular asset. The bank-said-no pages cover the common cases, and the funding pack guide shows how to prepare for a second go.

Common questions

Does enquiring affect my credit score?

No. There is no credit check when you first enquire. We only talk about a credit check once you have decided to go ahead with a specific option.

Will my details be sent to lots of lenders?

No. A person reviews your situation and matches it to the right route. We do not spray your details around.

What should I have ready for the call?

Recent business bank statements, your ABN or ACN, a rough idea of the amount, and a note of what you own or are owed. The funding pack guide has a fuller checklist.

Do you tell me what it will cost?

Funders set the cost on your circumstances, so we do not publish figures. On the call we explain how each route charges, and the total cost guide shows how to compare real offers in dollars.

Ready? Start your enquiry, or try the Funding finder first.

How it works: from what you hold to a decision