How It Works

From application to submission — we keep things simple so you can focus on your business. It's our job to give your submission the best chance of approval.

1

Apply Online

Complete our simple online application. We'll ask about:

  • Your personal and business details
  • The loan amount you're seeking
  • Details of your property or properties (security)
  • Any existing debts with the same lenders
2

Quick Automated Assessment

Your application is automatically assessed based on:

  • Loan-to-value ratio (LVR) calculations
  • Property type and location
  • Your business and loan purpose

You'll get an immediate indication of whether your application looks good in principle.

3

We Package Your Information

This is what sets us apart. It's our job to package all your information to give your proposal the best chance of success when submitting formally to the lender.

  • We understand what lenders look for
  • We present your application in the best possible light
  • We handle all the documentation and compliance requirements
4

Submit Your Application on Your Behalf

We submit your fully packaged application directly to the lender, including:

  • All required documentation
  • Property details and desktop valuation
  • Loan structure and purpose details
5

Lender Reaches Out to Finalise

The lender will contact you directly to finalise the transaction:

  • Formal Letter of Offer — Review and accept the loan terms
  • Sign Documents — Complete the loan contract (often done electronically)
  • Funding — Funds released to your nominated account

If you're organised, funding is usually available within 24 to 48 hours.

Common Questions

How long does the process take?

Timing varies, however if you're organised the loan usually funds within 24 to 48 hours.

Do I need good credit?

No. We and the lender do not perform credit checks. We focus on the security (your property) and the LVR position.

What is the interest rate?

This depends on the minimum term of the loan. 1.99% per month with a 6 month minimum term, 2.49% per month with a 3 month minimum term, and 2.99% per month with no minimum term.

View All FAQs

Ready to Get Started?

Apply now and get an immediate indication of whether your application looks good.

Start Your Application