Get the capital your business needs — without the credit checks, collateral, or paperwork.
Most business owners spend weeks chasing banks that were never going to say yes. This quiz takes 2 minutes, matches you with lenders who fund businesses exactly like yours, and gets you moving — fast.
We find your lender before your lender finds you.
Smart operators find out what they qualify for before they talk to anyone trying to sell them something
You will not get 30 calls from lenders you didn't choose.
Most comparison sites make money by selling your details to as many lenders as possible. The more calls you get, the more they earn.
We make money when you get funded through an advisor who matched you properly. Those are different business models — and they produce completely different experiences.
Your information goes to one advisor. That's it. That's the whole model.
A bank no is not a funding no. It's a lender mismatch.
Banks are built for a specific borrower profile — two years of tax returns, clean credit, property to secure against. If you don't fit that profile exactly, the answer is no regardless of how healthy your business actually is.
Australia's lending market also includes non-bank lenders, equipment financiers, revenue-based lenders, and community finance providers who assess risk completely differently.
Most business owners who get knocked back by a bank simply haven't found the right lender yet. The quiz finds them.
If the only option available is one we wouldn't take ourselves — we'll tell you.
Some business profiles are genuinely limited to high-cost short-term products right now. When that's the case your advisor will show you the true annualised cost before you speak to anyone — and tell you honestly if they think it's the wrong move for your situation.
We'd rather lose the placement than get you into a structure that damages your business.
That's not a marketing line. It's why 47,300+ business owners referred someone they knew to us last year.
Three things that separate this from everything else you've tried. One quiz that takes two minutes to find out if we can actually help you.
See what your business qualifies for →What happens when you find the right lender for your actual situation.
Every business below had already tried something else first.
"I needed $85,000 to cover a contract gap. Eighteen months in business, no property to secure against. Every bank I called said come back in two years. The quiz matched me with a lender I'd never heard of. We settled in eight days. No credit check, no collateral, no drama."
"$180,000 in equipment. Fourteen months of trading. Every bank said come back in two years. The quiz identified equipment finance in the first few questions,. the machine secures the loan so the two-year rule doesn't apply. Eight days later we were funded. Two months after that our capacity had doubled."
"I was two days from signing a short-term cash advance out of desperation. The quiz matched me with a lender I'd never heard of. We settled in 11 days at a rate I could actually afford. That daily repayment structure would have gutted us."
Every day without the right capital is costing your business money.
Most business owners think the cost of a loan is the interest rate.
It isn't.
The interest rate is the smallest number in this equation.
The real cost is what your business loses every day you don't have the capital to operate at full capacity — and what it costs when you take the wrong capital just to move fast.
The interest on the loan is rarely the expensive part. The lost revenue is.
You said no to the stock. Customers asked. You said no to them. Every month without capacity you're turning away revenue you can't recover.
Customers who heard no twice have found another supplier. Buying habits have shifted. Some won't come back.
Your competitor who bought the stock is now the default supplier. That position doesn't come back cheaply.
The question was never whether you could afford the loan. It was whether you could afford not to take it.
A small interest bill is nothing compared to losing the team that generates your revenue.
Trust breaks the moment the payment misses. Your best staff — the ones with options — start looking immediately.
Around 40% of staff actively look for new work after a missed payment. The ones who leave fastest are your highest performers.
Disengaged or understaffed teams deliver slower, make more errors, sell less. At 20% reduced output across 8 staff over 3 months.
The loan to have avoided all of this: $2,000 in interest over 12 months. The cost of not taking it: $43,100 — and a weaker team.
The wrong capital costs just as much as no capital.
A daily-debit product that takes 22 cents from every dollar before you can pay anything else doesn't show up in these calculators — but it produces the same result. Reduced capacity. Damaged operations. A business running below what it should be generating.
Fast capital is available for both situations above. The two-minute quiz finds the version that funds your business without draining it.
Find my funding options — 2 minutes →THE PROBLEM WITH FINDING BUSINESS CAPITAL IN 2026
The market is broken at both ends.
Business owners are being forced to choose between two inadequate extremes — and most don't know there's a third path.
What we do differently
We match your specific business profile to the lenders who actually fund businesses at your stage, with your financials, in your industry — before you talk to anyone.
The process
From quiz to funded in three steps.
Most business owners who complete the quiz speak with an advisor within one business day. Average time from quiz to funded is 11 days.
Before you continue
The questions most business owners have before they start.
We've heard every version of these. Here's what's actually true.
Predatory lending options are often the most dangerous one
Merchant cash advances market themselves on speed and simplicity. What they don't explain upfront is that you're not borrowing money — you're selling a portion of future revenue at a rate that can cost you two to three times what you'd pay a traditional lender.
The borrowers who end up in the deepest trouble are almost never reckless. They're business owners who needed capital quickly, couldn't access traditional financing, and didn't have the information to understand what they were signing. That's the gap we exist to close.
What we actually match you with
Not all capital looks the same. We know the difference.
Our lender network spans the full range — and we match you to the type that fits your stage, not the type that pays the highest referral fee.
Smart founders check their options before they talk to anyone.
The quiz takes less than two minutes. You'll receive a personalised funding profile immediately — no credit check, no commitment, no sales call unless you want one.
Find my funding options →More from business owners who used Compare 1
The situations we were built for.
"Three cash advances, all debiting daily. They were taking 22 cents out of every dollar before I could pay anything else. My advisor consolidated all three into one monthly repayment at a fraction of the cost. That was nine months ago. Revenue is up 40% — not because business got better, but because we stopped bleeding cash every morning."
"Four different people told me the same thing: come back when you've got two years of tax returns. The quiz found a community lender that didn't need that. Fourteen days later I had $35,000 to cover my first major inventory order. That order changed everything. No one else even mentioned that option was available."
"Three banks. Three knockbacks. Zero explanation. My advisor took 40 minutes to explain what none of them would — my write-offs were killing my serviceability on paper. She knew exactly which lenders look at gross revenue instead. We were funded in three weeks. That conversation was worth more than anything a bank ever told me."
"$180,000 in equipment. 14 months of trading history. Every bank said come back in two years. The quiz identified equipment finance in the first few questions — the machine secures the loan, so the two-year rule doesn't apply. Eight days later we were funded. Two months after that, our capacity had doubled."
The decision you're actually making
There are two paths from here.
Both are legitimate. One tends to take longer, cost more, and leave you with less clarity. The other takes two minutes.
Keep searching on your own
- Two to three months reading generic loan guides that don't know your specific situation
- One or two bank applications that take 90 days and end in a rejection you can't fully explain
- Growing pressure to accept the fastest offer available — often a merchant cash advance you'll regret
- A funding decision made under pressure, with incomplete information, and no one in your corner
Know your options before you commit
- A personalised funding profile in 2 minutes — specific to your stage, revenue, and use case
- One advisor who's already read your file and can explain your options in plain English
- Clear visibility into which lenders are most likely to approve your application — and at what terms
- If we can't help, we'll tell you honestly and point you toward options that can
It's no coincidence you're still reading. That means you're a founder who does their homework before they commit. That's exactly who this was built for.
01Will this affect my credit score?
02What happens after I complete the quiz?
03What types of loans and funding can you match me with?
04I've been rejected by a bank before. Is this worth my time?
05Who will have access to my information?
06My business is less than a year old. Is there any point in taking the quiz?
07I'm currently in a merchant cash advance. Can you help?
08Is this service free?
Smart owners check their options before they commit.
Join 47,300+ business owners who found their funding match last year — without signing something they didn't understand first.