Fast money questions, straight answers

Often, if the pieces line up. For business borrowers with property, $20k to $250k is possible the same day and up to $5m is possible within 24–48 hours. Smaller unsecured business amounts can also be funded the same day. Personal needs vary by lender and situation.

No. There's no credit check when you first enquire. We only talk about a credit check once you've decided to go ahead.

Business bills, tax debts, renovations, car repairs, medical and dental costs, bonds and moving, legal fees, settlement shortfalls, emergency travel and more. Tell us the purpose on the form.

Both. Business options are where the fastest speeds are possible; personal needs are looked at case by case and we point you to a sensible option.

For businesses, property-secured loans run from $20,000 to $5,000,000 and unsecured or cash-flow options typically from $5,000 to $500,000. For personal needs it depends on your situation.

We don't publish rates, because every loan is priced on the individual situation — security, amount, term and credit history all play a part. You'll hear the full cost before you commit to anything.

Yes. Bad credit and ATO debt are considered case by case. Mention them on the form so the right person can plan around them.

No, but it helps. Property is the biggest speed and size booster for business loans. Trading businesses without property still have unsecured options.

Usually photo ID and 3–6 months of bank statements, plus your rates notice and mortgage statement if you own property, and ABN and ATO details if it's for a business. Use the document dash to get them together fast.

No. Your enquiry isn't sprayed across the market. One real team works on your situation.

A real person who has read your enquiry. Expect a call — sometimes from a number you don't recognise — usually within business hours.

Yes, and it's smart to. An overnight enquiry puts you near the front of the queue the next business morning.

We'll say so. A hardship arrangement, payment plan or no-interest loan can sometimes solve the problem faster and cheaper.

No. We steer people away from expensive small-loan and cash-advance traps. Read our guide to fast-cash traps for the red flags.

Be wary of anyone asking for an upfront fee, guaranteeing approval or pressuring you to act in minutes. Our urgent loan scams page lists the red flags and where to report them.

Never. Enquiring commits you to nothing. You decide whether anything goes ahead.