How it works
How an online business loan works, in six steps
From the first tap to funds in your account — what you do, what we do and where a person steps in.
- 1
1. Enquire online — about 60 seconds
Amount, purpose, region, trading time, turnover band and whether property is available. No credit check, no passwords, no documents.
- 2
2. A specialist calls
Usually the same or next working day. We confirm what you need, explain which product fits and map the online steps for your situation.
- 3
3. Connect or upload your data
Approve an open banking connection in your bank's app or upload statements; share Xero or MYOB reports and myIR summaries if the lender needs them.
- 4
4. Verify identity digitally
Each director and guarantor photographs a licence or passport and takes a live selfie. A credit check happens around this stage, with your agreement.
- 5
5. Review and e-sign
The offer and loan documents arrive through an e-signing platform. Read every page; ask anything. Property-secured loans add your lawyer's advice.
- 6
6. Settle
Funds by bank transfer, or through the lawyers with electronic registration for property-secured loans. Creditors such as Inland Revenue can be paid directly.
What makes it fast
Consistency. When the enquiry, bank data, accounts, tax records and ID all tell the same story, automated checks pass and nobody needs to ask follow-up questions. The online-ready score shows where your gaps are before you start.
What keeps it safe
You approve data sharing inside your own bank's app, upload only through a secure portal, and verify any change of payment details by phone. We never ask for passwords or upfront fees. Read more in our online safety hub.
Common questions
How long does the whole online process take?
It depends on the product and how ready your records are. Smaller unsecured requests can be possible within days of a complete application; property-secured loans take longer because of valuations and legal work.
Does enquiring affect my credit score?
No. The enquiry runs no credit check. A check is only discussed once you have decided to proceed with a specific option.
Will my details be sent to lots of lenders?
No. One team reads your enquiry and approaches the lender best suited to it. That also keeps your credit file free of a cluster of enquiries.
Can I do some steps by phone instead?
Yes. Online is the default, not a requirement. Tell your specialist and they will walk you through each step or arrange alternatives.
What do I need for the first step?
Just the basics in your head: how much, what for, roughly how long you have traded and your turnover band. Documents come later.
Ready when you are. Start online.
The enquiry takes about a minute on any device. Nothing touches your credit file at this stage, your details stay with one team, and a person — not a bot — calls you back.
No credit check to enquire
Not sprayed to a list
A human behind the screen