Free tool · About 30 seconds
The 1-2-3 finance finder
Three questions. Then you'll see the loan types that fit your situation, what to get ready, and the simplest next step.
1 Loan types that fit
- Answer the three questions to see your matches.
2 What to prepare
3 Your next step
Send a 60-second enquiry. A real person reads it and calls you.
See if I qualify →No credit check to enquire. Your details aren't sent to a pile of lenders. General information only, not an offer of finance.
How the 1-2-3 finance finder works
Most business owners don't start by searching for a loan product. They start with a problem: wages are due before a customer pays, a machine has broken down, the BAS is bigger than expected, or a great opportunity has a deadline. The finder turns that problem into a short list of loan types worth understanding, using the same three questions a good lending specialist asks first.
Question 1: what the money is for
Purpose is the strongest signal of which product fits. Equipment can often secure its own finance. Day-to-day timing gaps suit revolving facilities like a business line of credit. A tax debt has its own options, starting with an ATO payment plan. Buying premises or a business points towards property-secured lending.
Question 2: how much, and how soon
The amount decides which family of lending is realistic. Unsecured and cash-flow options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements. Property-secured options run from $20,000 to $5,000,000. Timing matters too: if you need funds this week, the finder favours options with fewer steps and flags what to have ready so nothing waits on paperwork.
Question 3: whether you own property
Property widens the options more than any other single factor. With residential or commercial property behind a loan, lenders can look past a short trading history, bad credit or ATO debt, case by case. Without property, the finder focuses on unsecured, cash-flow and asset-backed choices. Read secured vs unsecured business loans for the full trade-offs.
What the finder doesn't do
It doesn't show interest rates, because every business loan is priced on the business's own circumstances. It doesn't make a credit decision or store your answers. And it can't see the things that only a conversation reveals, such as how steady your deposits are or whether a customer contract is about to change. Treat the results as a well-informed starting point.
When you're ready, the next step is the same whichever result you see: a 60-second enquiry. A real person reads it and calls you, there's no credit check to ask, and your details aren't passed around a crowd of lenders. Please answer the enquiry form accurately, especially the amount, purpose and any property, so the first call lands on the right option. For a deeper look at preparation, see business loan eligibility and business loan documents.
Documents checklist: how ready are you?
0 of 7 ready
You don't need any of these to enquire. They're what comes next, once you choose an option.
Start my 60-second enquiry →Finance finder questions
Is the 1-2-3 finance finder an offer of finance?
No. It's a free guide that points you to the loan types worth reading about first, based on three answers. A lending specialist confirms what's actually possible once they understand your full situation.
Does using the finder affect my credit score?
No. The finder runs entirely in your browser and doesn't collect or send anything. Even when you go on to enquire, there's no credit check at the enquiry stage.
Why doesn't the finder show interest rates?
Because every business loan is priced on the individual circumstances of the business. A rate shown before anyone understands your situation would be a guess, so we focus on fit, documents and next steps instead.
What if my answers don't fit neatly into the options?
Choose the closest answers and treat the results as a starting point. Many businesses need a mix of products, which a specialist can help you put together on the first call.
Why does owning property change the results so much?
Property-secured lending runs from $20,000 to $5,000,000 and lets lenders look past things like a short trading history, bad credit or ATO debt, case by case. Without property, options are usually unsecured and typically range from $5,000 to $500,000.
Can I use the results when I talk to a lender?
Yes. Knowing which loan types fit and having the documents ready makes the first conversation faster and more useful.
Got your three answers? Let's talk.
One short enquiry, no credit check to ask, and a real person who calls you back with the option that fits.
No credit check to ask
One match, not a mailout
A real person on your file