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Same-day readiness check

Eight yes/no questions. You'll see how ready you are for a same-day business loan and exactly what to fix before 10am.

  1. 1. Is the business trading under an active ABN (and ACN, if it's a company)?

  2. 2. Could you download recent business bank statements in the next ten minutes?

  3. 3. Is current photo ID on hand for every owner and director?

  4. 4. Can everyone who has to sign do it this afternoon?

  5. 5. Do you know exactly who's being paid, how much, and their verified bank details?

  6. 6. Are you ready to mention any ATO debt, defaults or payment plans up front?

  7. 7. Can you finish the enquiry before 10am Sydney time?

  8. 8. Do you own property with equity you'd be willing to offer as security?

Your readiness

Answer the questions

Each answer updates this instantly.

    See if I qualify today →Check my state's cut-off

    A readiness guide only. Every application is assessed on its own facts.

    Why these eight questions?

    They're the things that decide whether a same-day file keeps moving or stalls at lunchtime. Most delays aren't about the lender saying no. They're about waiting: for a statement nobody can download, a director who's on a plane, or a payee whose bank details need re-checking. Each question maps to one of those waits.

    The first six are about your paperwork and people. The seventh is about the clock, because same-day funding works backwards from a mid-afternoon finish line, usually on Sydney time. The last is about security: owning property with equity doesn't make you eligible on its own, but it opens up property-secured amounts from $20k, with up to $250k possible same day.

    If you scored well, the next step is simple: send the enquiry and keep your phone close. If you didn't, fix the gaps in order, starting with ID and signers, then enquire anyway. A specialist can often work around one missing item if they know about it early. The full list lives on our one-sitting document pack page.

    Readiness check questions

    What score do I need for a same-day loan?

    There's no pass mark. The check highlights the gaps that most often push a file into tomorrow. Missing ID, an unavailable signer or statements you can't download are the big three; fix those and your odds improve most.

    I answered no to the property question. Can I still get funded today?

    Possibly. Same-day funding is possible for smaller unsecured amounts when the business is trading and its bank statements support the repayments. Property security widens the options and allows larger amounts.

    Does this check go on my credit file?

    No. It runs in your browser and nothing is stored or sent. Making an enquiry doesn't trigger a credit check at that first step either.

    What should I do after the check?

    Fix what you can in the next half hour, then enquire. Tell the specialist anything you couldn't fix. Honest answers let them say quickly whether today is realistic or tomorrow morning is the better target.

    Ready enough? Let's check today

    About 60 seconds to enquire, no credit check at that step, and one real person working your file rather than a queue of lenders calling you.

    Start my enquiry → Call 02 8856 0070

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