How Business Loanz Works — Enquiry to Funding

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1. Tell us what you're funding (about 60 seconds)
The amount, what it's for, your state, how long you've traded and a few questions about revenue and property. No credit check, and no documents yet.
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2. A real person reads it
A specialist who understands online stores, creators and early-stage businesses looks at your answers. Nobody auctions your details to a panel of lenders.
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3. We call you
Usually to fill in the gaps: how you sell, your margins, what the money will do and when it comes back. Have your rough numbers handy.
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4. One sensible option
We explain what's realistic: unsecured funding sized on your turnover, a property-secured loan, or a straight 'not yet' with what would change it. You'll know what each option asks of you.
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5. Documents, only if you go ahead
Typically recent business bank statements, ID and ABN details, plus property details for a secured loan. This is also when a credit check is discussed.
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6. Funding
Once approved and signed, funds are paid to your business account, or to a supplier where that suits the purpose.

What makes us different

Most online finance forms are built to collect your details and pass them on to as many lenders as possible. That can mean multiple credit enquiries and a week of calls. We do the opposite: one person, one careful match, and a straight answer — even when it's "not yet".

We also speak the language of the businesses we help. If you tell us your CAC, your break-even ROAS or your MRR churn, we'll know what you mean. If you don't know them, the payback calculator and the readiness check will get you there in a few minutes.

Common questions

Does enquiring affect my credit score?

No. The enquiry itself involves no credit check. A credit check is only discussed once you've decided to go ahead with a specific option.

Will my details be sent to lots of lenders?

No. A real person reviews your situation and matches it to a suitable option. We don't spray your details out to see who responds.

What should I have ready for the call?

Your approximate monthly revenue, how long you've traded, what the funding is for and whether you own property. If you've run the ad-spend payback calculator, bring those numbers too.

What if I'm not ready yet?

We'll tell you, and explain what would change the picture — more months of trading, a separate business account, or fixing unit economics first. There's no pressure to proceed.

Why do you ask me to be accurate on the form?

Because the right option depends on the details. Accurate answers on revenue, time trading and property let us suggest something that fits on the first call, rather than an option that falls over later.

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How it works