A lump sum for a clear plan, paid back over a set time.
Good for one big step01 · Where you are
Growing takes money
before it makes money.
Sound familiar?
A second locationYou’re ready to open another shop, site or office.
More peopleYou need to hire before the new work starts paying.
A big new contractYou won the job, but you need money up front to deliver it.
Busy and slow monthsSome months are big, some are quiet, and you need a buffer.
02 · When is the right time?
A loan isn’t always the answer.
Here’s when it makes sense.
✓ Good times to do it
You have a clear planWhy: Lenders like to see what the money is for and how it pays back.
The work is already coming inWhy: Signed contracts or steady sales make repayments easier.
Waiting would cost you the chanceWhy: Some chances don’t wait. Growing now can be worth more than the loan costs.
You want to keep your savingsWhy: Borrowing can let you grow without using every dollar you have.
✕ Maybe wait if…
The plan is still fuzzyWhy: If you’re not sure how the money will pay back, it’s worth planning more first.
You’re already stretchedWhy: More debt on top of tight cash flow can make things harder.
You could grow slower with your own cashWhy: Sometimes slow and steady is the better path. We’ll help you weigh it up.
Not sure which one you are? We’ll look at it with you, for free.
03 · How it works
Three steps to
your next step.
- 1Tell us the plan
What you want to do, how much it costs, and when.
Locations1 - 2We find the right loan
A one-off loan, a line of credit, or something in between.
Locations1 - 3You make your move
The money lands and you get on with growing.
Locations2 ✓LAUNCHED
04 · Your options
Pick the way
that fits you.
A limit you can use when you need it. You only pay interest on what you use.
Good for up-and-down monthsUsing property as backing can mean a bigger, cheaper loan.
Good for bigger plansWhat lenders will ask about
What the money is for✓
Your ABN and how long you’ve traded✓
Recent financials or BAS✓
Recent bank statements✓
Any contracts or orders coming in✓
Every lender is a bit different. We’ll tell you exactly what yours needs.
Good to know
Loans without property backing are faster but usually cost more.
Business owners are often asked to personally back the loan.
Too many loans at once can make the next one harder to get.
We’ll show you the full cost before you decide.
05 · Let’s do it
Tell us your plan.
New job No credit check
Business finance only. ABN required.
…onwards and upwards.
Questions people ask.
Do I need property to get a business loan?
Not always. Some loans don’t need it. Loans backed by property usually cost less.
Will I have to personally back the loan?
Often, yes. Most lenders ask business owners to back the loan personally.
What’s a line of credit?
A limit you can dip into when you need it. You only pay interest on what you use.
How fast can I get the money?
Some lenders move within days. Bigger loans take longer.
Can I use it for personal things?
No. We only help with money used for your business.