Clear answers on eligibility, credit impact, costs and timing for Australian commercial finance.
Yes. An active Australian Business Number is required because every lender on the panel funds commercial borrowers only. Most lenders also want the ABN registered for at least 6 months and GST registration where turnover exceeds $75,000. If your ABN is newer than 6 months, a smaller group of start-up lenders can still be matched, usually at a lower initial limit.
No. Pre-qualification uses a soft enquiry visible only to you, so comparing options has zero impact on your credit score. A formal credit enquiry is recorded only when you select a lender and instruct a full application. Because matching filters out lenders whose policy you do not fit, you avoid the multiple enquiries that damage credit files when businesses apply lender by lender.
The platform maintains live API and data integrations with more than 90 Australian bank and non-bank commercial lenders. Each lender's credit policy — minimum turnover, trading history, industry restrictions, security requirements and maximum exposure — is encoded as machine-readable rules. Your profile is scored against every rule set simultaneously, returning only lenders whose policy your business satisfies, ranked by likely approval and cost.
Unsecured business loans generally range from $5,000 to $500,000, commonly one to two times average monthly turnover. Asset-backed equipment and vehicle finance can extend beyond $2 million because the asset provides security.
Commercial rates are risk-priced and vary widely. Secured equipment and vehicle finance typically prices well below unsecured funding, while short-term unsecured loans for newer ABNs sit at the higher end. Comparing the full panel on one profile is the only reliable way to see your actual rate rather than an advertised range.
In most cases none. Read-only bank data sharing replaces manual statement collection. Larger or more complex facilities may require BAS lodgements, financial statements or an asset invoice, requested only when the matched lender needs them.
Yes. Several lenders weight current trading performance more heavily than historical credit events. Rates are higher and terms shorter, but approvals are common where turnover is consistent and the business is trading well today.
Matching takes under 5 minutes. Unsecured approvals are typically issued in 24 to 48 hours, equipment finance within 24 hours, and lines of credit provide instant access once established. Same-day settlement is available for smaller amounts submitted early in the business day.
It depends on the lender. Some allow early payout with no penalty, others charge remaining interest or a discharge fee. Early payout terms are shown in the comparison before you accept an offer.
Yes. The panel funds businesses in every state and territory, metropolitan and regional. Some lenders apply postcode risk grading, which is applied automatically during matching so you only see lenders that fund your location.
Commercial lending to businesses sits outside the National Consumer Credit Protection Act. Lenders on the panel operate under Australian financial services obligations and industry codes of practice, and Australian Consumer Law protections still apply to the conduct of the parties.
Yes. Many Australian lenders fund ATO obligations and payment plan arrears, provided the business is currently trading and the plan is being maintained.
One 5-minute form. 90+ Australian lenders compared. Zero impact on your credit score.
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