How to qualify for a business loanthe questions we actually ask.

“Do I qualify?” is the question this site exists to answer, and it is not answered with a brochure. The qualification check is a short form that collects the same facts every time. This page is that form, in writing, so you know what to have ready.

It is built for unsecured business loans from $50,000 to $3 million. Collateral is not in the sequence. See if you qualify →.

The questions, in order

1. Trading history. How long the business has been trading, from under three months through to two years and more. Under three months is not eligible for this product.
2. Monthly turnover. An approximate figure. This is the main input for how much you could borrow.
3. Existing unsecured business debt. What you already owe on unsecured facilities. Relevant if you are looking at consolidation, and relevant even if you are not.
4. GST registration. Whether the business is registered. We ask; it is part of the picture.
5. Industry and structure. Including sole trader, company, trust, or another structure.
6. Purpose. Equipment, fitout, stock, working capital, hiring, marketing, consolidation, or something else.

If the check says you are in range, you can continue to a fuller application: ABN, addresses, contact details, and a handful of questions about how the business actually runs. If it does not, you can still leave a number for a callback.

What we do not ask up front

We do not ask for property as security. That is the point of no-collateral business loans. We do not ask you to create an account before the check. We do not show a rate on the way in. Any later verification is explained before it happens, including anything that might touch credit. Qualification and credit checks explains the difference between this first step, a fuller application and later assessment.

Qualification is the first step, not a guarantee. Timing on a full application depends on the information supplied and whether anything further is needed.