One product. Built for small business.
A business loan from $5,000 to $300,000, repaid in fixed instalments — weekly or daily (Mon–Fri), your choice — over 12 to 18 months. One straightforward product, set out in plain dollars before you sign. We're a direct lender — we fund this loan ourselves.
Application to funds — measured in days, not weeks.
Because we're the actual lender, your application doesn't bounce between brokers, panels and credit teams. One Adelaide-based team, one decision, one source of the money.
Start your applicationOne product. Same for everyone.
It's a single product. Same structure for every borrower — no tiers, no tailored quotes, no haggling. Your specialist confirms the amount and term that work for your business.
From $5,000 up to $300,000 — confirmed with your specialist.
Fixed term, paid down across the schedule. No balloon, no roll-over.
Your choice — weekly, or daily across the weekdays. Auto-debited from your business account on a fixed schedule.
Reviewed by a real lending specialist in our Adelaide office, then a call to confirm.
Built around how Australian small business actually works.
We look at the health of your business — not big-bank-style thresholds. If you're trading and your cash flow is real, you can almost certainly apply.
Australian business with an ABN
You must hold an active ABN. We lend to companies, trusts, partnerships and sole traders.
At least 6 months of trading history
Newer than that and we won't have enough of a picture to underwrite responsibly.
Monthly turnover from $5,000
We look at the health of your cash flow more than any single threshold — but $5K/month is the floor.
A straightforward contract. A real person on the phone.
Once we approve your loan, your specialist talks you through the amount, term and repayments, then sends the contract for your sign-off. Plain English, walked through line by line.
If you have questions, you call your specialist direct — not a queue, not a chatbot, not a different person each time.
Whatever moves your business forward.
No restrictions on what you spend it on. These are just the most common reasons our customers borrow.
Questions people ask about the product itself.
Five of the questions we hear most about how the loan works. The full FAQ — eligibility, applying, repayments, support — is on its own page.
Read the full FAQIt depends on the loan size and your situation. Many of our smaller loans don't require security over your assets. Larger loans may require additional security — your specialist will explain exactly what's needed for your application before you commit.
It's a single product, so the structure is the same for every borrower. Once approved, every repayment is a fixed dollar figure for the whole term — no variable element. Your specialist confirms the amount, term and repayment with you before you sign.
Yes — a single establishment fee is charged on settlement and wrapped into the loan. Your specialist confirms the figure before you sign anything.
Yes — we call these refinances. Once you've shown a clean repayment history, a refinance is typically a much faster conversation than the first loan. Many of our customers come back when the next opportunity comes up.
Talk to us first — life happens, and a missed payment isn't the end of the world. We'll work with you on a short-term arrangement to get back on track. Genuine communication almost always finds a fix.
Get a real answer
from a real person.
10-minute application. Decision within hours. Funds, often the next day.