Questions people ask before they call

03 4059 1829. It's staffed Monday to Friday, 9am to 5pm Melbourne time, closed on Victorian public holidays. From mobiles and landlines anywhere in Australia, dial it exactly as shown.

A lending specialist who works on Australian business finance every day: property-secured loans, second mortgages, caveat loans and unsecured options for trading businesses. Not a general call centre.

What the money is for, roughly how much, when you need it, and whether you own property. Then anything awkward, like ATO debt or a past default, in one sentence. Our first-minute script shows how.

Usually five to fifteen minutes. Set aside a quarter of an hour somewhere quiet, with rough figures to hand.

Our line runs on Melbourne time. In Perth that's 7am to 3pm from April to October and 6am to 2pm from October to April; in Darwin it's 8:30am to 4:30pm and 7:30am to 3:30pm. The call planner shows your window live.

Yes. Leave a 60-second enquiry with a preferred time and a specialist will ring you, usually the same or next business day.

No. There's no credit check when you first enquire, by phone or online. A credit check only happens later, with your consent, if you choose to go ahead.

Not in a pile. We don't spray enquiries across a list of lenders or sell leads. One team works on your situation and approaches a suitable lender only when you're ready.

A genuine call will refer to your enquiry and will never ask for an upfront fee or your banking passwords. If unsure, hang up and ring 03 4059 1829 yourself, using the number from this website.

Property-secured business loans range from $20,000 to $5,000,000 against residential or commercial property. Unsecured and cash-flow options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.

No. Unsecured options exist for trading businesses. Property security tends to allow larger amounts or help where trading history or credit is a hurdle.

Often. ATO debt is considered case by case. Tell the specialist the amount, what it's made of, whether lodgements are up to date and whether there's a payment plan.

Past credit issues are considered case by case. Say what happened, when, why and where it stands now. Being upfront lets us approach lenders that look at it properly.

Yes. Banks decline for their own policy reasons. Other lenders look at things differently. Tell us who declined and the reason they gave.

Sometimes. Many unsecured lenders want a minimum trading period; property-secured options can be more flexible. We'll be straight about what's realistic.

Business purposes only: stock, equipment, wages, tax, fit-outs, buying a business, refinancing business debt and similar.

No. Every business loan is priced on the business, the security, the amount and the term. You'll see all costs in writing before you commit.