Most of our loans require minimum documentation. For larger loans, requirements vary but we'll generally need recent business financials, tax returns and bank statements. Our team will guide you through exactly what's needed.

Yes. ATO debt doesn't automatically disqualify you. We have lenders who provide cash flow support loans as an alternative to Small Business Restructures (SBRs). Short-term cash flow finance (even at 20-24% interest) can be smarter than putting an insolvency inquiry on your credit file for 5 years.

Brokers give you access to 40+ lenders vs your bank's single option. We can soft-check your credit before applying (no impact on your score), understand complex business situations better, and often find faster approval paths. Plus, we work for you, not the lender.

Before you commit. Whether you're bidding on a project, considering equipment, or planning expansion - talk to us at the planning stage, not after you've signed. We can help  structure finance that bridges cash flow gaps (like 45-day payment terms) and show you what's actually possible before you make the call.