Funding Matcher: find the funding that fits

What the Funding Matcher is for

Most owners do not need a lecture on twenty loan products. They need to know which two or three are worth a conversation. The Funding Matcher compresses the first part of that conversation into six questions. It looks at what the money is for, whether the need will come back, how long you have traded, whether there is property in the picture, how much you need and how your credit history looks, then points you to the kind of funding that usually fits that combination.

It is deliberately simple. A real assessment also looks at your bank statements, the industry you are in, your existing debts and how the money will be repaid. Treat the result as a sensible place to start reading, then let a person look at the detail.

How the answers change the result

• Repeating needs lean towards a line of credit, because paying for a limit you draw and repay beats taking out a new loan every few months.
• One-off needs lean towards a fixed working capital loan with a clear end date.
• Property opens property-secured loans from $20k to $5m with no valuation, which also help when the credit file or trading history is thin.
• Tax debts point to ATO debt funding, but the matcher will also remind you that a payment plan may suit smaller balances.
• Slow-paying customers point to invoice finance, which grows with your sales.

Why it never asks for a rate

Business finance is priced on each borrower's circumstances, so a rate typed into a calculator would only create false expectations. When you have a real quote, the repayment calculator turns its total cost into weekly and monthly figures so you can judge whether the business can carry it.

Happy with the match? Send your 60-second enquiry. There is no credit check to enquire, your details stay with one team, and a person will call to confirm what is realistic.