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No. Our initial matching uses a soft enquiry that does not affect your credit score. A formal credit check only happens once you choose to proceed with a specific lender — and you control that decision.

Many of our lender partners offer same-day or next-day approval. Once approved, funds can land in your account within 24 hours for most unsecured products. Property and equipment finance typically takes 3–14 days depending on complexity.

Yes. Our comparison service is completely free for borrowers. We are paid a referral fee by the lender only when your loan settles — never by you. We disclose this in our Credit Guide.

Typically 3–6 months of recent bank statements, your ABN details, and identification. Larger loans (above $250k) may require BAS statements or financial reports. For private lending facilities > $1M we’ll request a deal pack: financials, security details, exit strategy.

Sole traders, partnerships, companies, and trusts across all industries. Whether you’ve been trading 3 months or 30 years, we have lender options. Even if you’ve been declined elsewhere — our non-bank and private panel often approves where banks won’t.

On approved business loans up to $750k, we’ll defer your first repayment for 6 weeks from settlement date. Interest still accrues during the deferral but is added to the loan principal, not collected weekly. It gives your business genuine breathing room to deploy capital. Offer ends 30 June 2026.

Single facilities up to $40M+ for the right deal. We work with family offices, private credit funds, and HNW capital providers. Bridging, commercial property, business acquisition, complex structures — if the deal makes sense, we’ll find the capital. By introduction only.

Our algorithm matches your profile against 75+ lenders and presents the strongest 3–5 fits. You see real offers side-by-side — rate, fees, term, total repayable. You pick. We never pre-commit you to anything.