"Got a call back pretty quickly. Got me out of a bind — funds in the account the next morning."
Owen
Cafe owner, NSW
Direct lender — not a broker
Business finance,
Business finance,
direct. Decisive. Done.
We're an Australian-owned direct lender. We fund our own loans — so you skip the broker, skip the runaround, and get a decision today. Unsecured business loans from $5,000 to $300,000.
Australian-owned direct lender
·
Funded same business day
·
Real humans review every application
Loans up to
$300k
maximum loan size
Approved
24hr
average time to funded — Monday to Friday.
As featured in
Yahoo Finance
Inside Small Business
Dynamic Business
Kochie's Business Builders
SmartCompany
The product
One loan, built for Australian small business.
We do one thing — and we put everything into it. An unsecured business loan, funded directly by us, built for Australian small business. Direct from the lender, every time.
Our only product
The Unsecured
The Unsecured
Business Loan.
A lump-sum term loan, paid back in fixed weekly or daily repayments over 12–18 months. Funded by us — never sold, never brokered out.
Loan size
$5K – $300K
Term
12 – 18 mo
Repayments
Weekly or daily
Settlement
Same / next day
Decision
Same day
Top-ups
Available
How it works
From application to funded — fast.
01
Apply online
A few minutes, no paperwork pile. Just your ABN, ID, and bank statements (we connect securely).
02
Get a decision
A specialist reviews your application in-house — we assess the health of your business, not just credit.
03
Get funded
Approved? Funds land in your account the same or next business day. Use them however the business needs.
8+
Years lending to Australian SMEs
$300k
Maximum loan size
24hr
Average time to funded
100%
Direct lending — every loan funded in-house
Direct lender · Not a broker
We fund the loan. Most others just find the loan.
Australia has a thousand brokers and a handful of real lenders. We're one of the lenders — which means no middleman, no broker margin tacked on, no surprises buried in someone else's terms.
Why us
The bank said no. We say tell us more.
We've funded thousands of Australian small businesses since 2015. Cafés, tradies, salons, agencies — companies the big banks find hard to read on a spreadsheet.
Customers
Don't just take our word for it.
4.8
from real Australian business owners
"Personal, professional, would do whatever it takes to be in your advantage. One call made a huge difference to our business plans."
Catalin Andries
Construction, VIC
"Refreshing to deal with an actual lender, not someone shopping my application around. Funded the same day."
Adam Dawson
Auto detailing, QLD
"Quick response time, quick to approve. Made the whole thing painless."
Michelle Sando
Hair & beauty, WA
FAQ
Your questions, answered.
Can't find what you're looking for? Talk to a Business Lending Specialist on 1300 250 026.
No. We are a direct lender — we fund every loan from our own balance sheet. When you apply with us, you deal with the team that makes the decision and provides the money. No middleman, no broker commission, no application passed around.
No. We do one thing well: an unsecured business loan from $5,000 to $300,000, repaid in fixed weekly or daily repayments over 12–18 months.
Three main criteria: an Australian business with at least 6 months trading history, monthly turnover of $5,000+, and an active ABN. We look at the health of your business, not big-bank-style thresholds.
For loans up to $50K: driver's licence, ABN, and the last 6 months of business bank statements. For larger amounts, we may also ask for recent financial statements.
Decisions and funding are typically same or next business day.
No. We focus on the health of your business — a less-than-perfect credit score isn't a deal breaker.
Fixed weekly or daily (weekday) repayments, deducted automatically from your linked business account. Full repayment schedule provided upfront — no surprises.
Yes. You can pay out early any time. Our payout is fair — we don't charge interest through to the end of the term, only the interest accrued up to the payout date and an administration fee.
Ready when you are
Get the funding
Get the funding
your business deserves.
A few minutes to apply. Decision and funding typically same or next business day.