How it works
From enquiry to exit, on the clock
Six steps. The speed comes from getting the first three right.
- 1
1. Enquire — about 60 seconds
Tell us the amount, what it's for, the property you can offer and when you need the money. No credit check when you first enquire.
- 2
2. A real person calls
A lending specialist reads your answers and calls you — usually the same business day — to understand the deadline and the exit.
- 3
3. The structure is chosen
Caveat loan for Victorian property, registered second mortgage in other states, first mortgage for clear title or a refinance, bridging when a sale is coming.
- 4
4. Offer and documents
Once you decide to proceed: ID for every owner, the current loan's payout figure, a valuation and evidence of how the loan will be repaid.
- 5
5. Settlement
Documents signed, security lodged and funds paid to you or straight to whoever needs paying — the ATO, a vendor or a supplier.
- 6
6. Exit
The loan is repaid in one go from the sale, refinance or payment you planned at the start. The security comes off the title.
What to have ready
- Photo ID for every owner of the property and every director or trustee involved.
- A recent statement or payout figure for any loan already on the property.
- Rates notice or title details so the property can be identified quickly.
- Evidence of your exit — a sale contract, a refinance approval, a contract or remittance.
Not sure which structure suits you? The borrowing room calculator shows it in a minute, and the exit date check tests your repayment plan.
Common questions
How quickly will someone call me?
Enquiries are read by a real person and returned quickly, usually the same business day. If your deadline is today, say so in the form.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you decide to go ahead.
What slows a short-term loan down?
A missing payout figure from the existing lender, an owner who isn't available to sign, a trust deed that can't be found, or an exit with no paperwork behind it. Sorting those early is the single biggest time saver.
Will my details be sent to other lenders?
No. We're the lender, so your scenario stays with us from start to settlement. Your details aren't sold or sprayed across a list of lenders.
Do I need a valuation?
Usually yes — the lender needs to confirm the property's value. Desktop or short-form valuations can move quickly on standard property; commercial, rural and specialised property takes longer.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
The lender, not a broker
A real person on the clock