Australian business finance, by phone
Skip the forms. Talk to a real business lender.
Ring the hotline, say what you need in plain words, and a lending specialist works out what could fit: property-secured loans from $20k to $5m, or unsecured options for trading businesses.
Tap to call03 4059 1829- No credit check to enquire
- One team, no lead farming
- ATO debt and past credit considered
Ringing us won't touch your credit file
No credit check when you first enquire. A check only comes up later, and only once you've said you want to go ahead.
One conversation, not a bidding war
We don't spray your details across a pile of lenders. No lead farming, no stream of strangers ringing you afterwards.
A real specialist on the line
A person who works on business loans every day listens, asks sensible questions and does the matching. Straight answers help us get it right first time.
How a first call usually runs
What happens in the first four minutes
Most people put off ringing a lender because they don't know what they'll be asked. Here's the shape of a typical first conversation, so nothing catches you off guard.
Get the first-minute script · See every question we might ask
- 0:00
You say hello and why you're calling
One or two sentences: what the money is for, roughly how much, and when you need it. Our first-minute script shows you how.
- 0:45
We ask about the business
How long you've traded, what a typical month looks like, what's already owing, and whether there's property that could be offered as security.
- 2:30
We talk through what could fit
Secured or unsecured, how fast each could realistically move, and what each would need from you. No rates quoted blind, because pricing depends on your situation.
- 4:00
You decide the next step
Go ahead with a short list of documents, take time to think, or leave it there. No pressure, no credit check yet.
Live across Australia
Is the line open where you are?
We work Melbourne business hours. This board converts them into every state's local time right now, including daylight saving and the half-hour zones.
Say it like this
The awkward bit, in one honest sentence
Specialists hear the tricky stuff every day. Saying it early and plainly is what lets us point you at options that can say yes. Here's how it sounds.
“I've got about $60k owing to the ATO from last year's BAS. I'm not on a payment plan yet, and I want to sort it before it gets harder.”
How to say it → When your credit isn't perfect“There's a default on my file from 2023, a phone bill I missed during a rough patch. It's paid now. I'd rather tell you upfront.”
How to say it → When there's a hard deadline“I need the money by the 28th for a stock order. If it lands later, I lose the supplier's early-payment deal.”
How to say it →Before, during and after the call
Everything about the phone conversation
Talking to a business lender on the phone
How a call with a business loan specialist actually goes: what to say first, what we'll ask, what you should ask us, and what happens once you hang up.
All on the call pages →What to say when you call about…
The awkward bits, put into plain words. ATO debt, old credit problems, a bank that said no, a deadline on Friday: here's how to say it on the phone so the specialist can help.
- When you owe the ATO
- Describing property security
- How much and why
- Past credit problems
- Turnover and statements
Best time to call from your state
Our line runs on Melbourne time. Here's what that means where you are, including daylight saving, half-hour time zones and the state offices worth knowing.
All call times pages →What the call can lead to
Two broad lanes, one conversation
Part of the specialist's job on the phone is working out which lane you're in. Often it's obvious in a minute; sometimes it's a mix.
With property security
$20k – $5m
Property-secured options (first mortgages, second mortgages and caveat loans over residential or commercial property) from $20,000 to $5,000,000. Useful when the amount is larger, the timeline is tight, or the credit history is messy.
How to describe your property on the call →Without property
$5k – $500k
Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Suits businesses with steady deposits and a clear use for the money.
How to talk about your turnover →Past credit issues and ATO debt considered case by case. Business purposes only. We never quote rates over the phone before we understand the situation, because every loan is priced on the business in front of us.
Things people worry about before they ring
Four reasons people don't call, and why they needn't worry
Ringing a lender puts a mark on my credit file.
Not here. There's no credit check when you first enquire. We only talk about one once you've chosen to proceed.
If the bank said no, nobody will say yes.
Banks decline for their own policy reasons. Non-bank and private lenders look at different things, including property security and recent trading.
I need all my paperwork before I call.
You need a rough picture, not a folder. Documents come after the conversation, and only the ones that matter for the option you choose.
A phone enquiry means a dozen lenders will ring me.
We don't farm leads. Your details stay with one team working on your situation.
Guides
Phone calls that help your cash flow
Not every useful call is to a lender. These guides cover the calls that keep money moving: to customers, your accountant, your bank.
How to Chase an Unpaid Invoice by Phone: Scripts
A practical phone script for chasing overdue invoices: when to call, what to say, how to handle excuses, and what to do next if the money still doesn't come.
Can't Make a Business Loan Repayment? Call Your Lender
Worried about an upcoming business loan repayment? Why calling your lender early gives you more options, what to say, and where to get free help.
8 Questions for Your Accountant Before You Call a Lender
A ten-minute call with your accountant can make your lender conversation far more useful. The eight questions to ask, and what to do with the answers.
Receptionist or Answering Service? Costs and Cash Flow
Losing work to missed calls? How to weigh up hiring a receptionist against an answering service, the employment costs to plan for, and the cash-flow timing.
Why Was My Business Loan Declined? How to Ask the Bank
Declined for a business loan? Banks under the Banking Code tell small businesses the general reason. How to ask, a phone script, and what each answer means.
Slow Month? Call Past Customers to Lift Cash Flow
A quiet month doesn't have to mean waiting for the phone. How to build a call list from past customers, what to say, and how to turn calls into bookings.
Questions people ask before they call
What is the Business Loan Hotline phone number?
Call 03 4059 1829. The line is staffed Monday to Friday, 9am to 5pm Melbourne time, and you'll speak with a lending specialist who works on Australian business loans, not a general call centre. Outside those hours, leave a 60-second enquiry and we'll ring you back on the next business day.
Will calling you affect my credit score?
No. There's no credit check when you first enquire, whether you ring or fill in the form. A credit check only comes up once you've heard the options and decided you want to go ahead with one.
What should I have in front of me when I call?
Just the basics: roughly how much you need and what it's for, your ABN, how long you've been trading, a rough idea of monthly turnover, and whether you own property that could be offered as security. Documents come later, only if you go ahead.
Can I call if I have an ATO debt or past credit problems?
Yes. ATO debt and past credit issues are looked at case by case. Say it early in the call, in a sentence or two, and the specialist can steer you towards options that can actually work instead of ones that will decline.
How much can a business borrow?
Property-secured business loans run from $20,000 to $5,000,000 against residential or commercial property, as a first mortgage, second mortgage or caveat loan. Unsecured and cash-flow options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.
Will my details be passed to lots of lenders?
No. We don't spray enquiries across a list of lenders or sell leads. One team works on your situation and talks to you before anything moves.
What if I'm in Perth or Darwin and your line runs on Melbourne time?
Use the call planner. It shows our open window in your own local time for today and the next business day, with daylight saving handled automatically. From Perth, for example, the line opens at 7am your time between April and October.
The line's there. Use it.
Ring now if the timing's right, or leave your details and we'll call you back. There's no credit check when you first enquire, your details stay with one team, and accurate answers mean the first call gets somewhere.
Ringing us won't touch your credit file
One conversation, not a bidding war
A real specialist on the line