Business loan hotline · call-back first
Tell us what's going on. We'll ring you.
No hold music, no phone tree, no lottery of lenders. Pick what you need help with, choose a time that suits, and a real lending specialist calls you — already across your situation.
- No credit check to ask
- One specialist, not a lender list
- $5k – $5m for business purposes
How it works
Three steps and one useful phone call
Most finance enquiries start with you chasing someone. Ours start with someone calling you, prepared.
- 1
Pick what you need help with
ATO debt, equipment, a cash flow gap, borrowing against property, refinancing — or "not sure yet". Add the amount, how urgent it is and your state.
- 2
Get your have-this-ready list
The call-prep tool shows the handful of details that matter for your situation, plus the questions you'll likely be asked.
- 3
A specialist rings you
Request the call-back in about a minute. A real person reads it first, then calls in your chosen window to talk through realistic options.
Try it now
What should you have ready for your call?
Tap a situation. You'll see the first details a specialist usually needs and the question they'll open with. The full tool adds your amount, urgency, state and call window.
Open the full call-prep tool →Have ready
- Your ATO balance from Online services for business (or a statement from your tax agent)
- Which parts are GST, PAYG withholding, super guarantee or income tax
- Lodgement status — any BAS or returns still outstanding
They'll probably start with
"How much is owed to the ATO, and is everything lodged?"
Full call prep: ATO debt →Have ready
- The supplier's quote or tax invoice (make, model, year, price, GST)
- Whether it's new, used, private sale or imported
- Any deposit or trade-in you're putting in
They'll probably start with
"What exactly are you buying and who from?"
Full call prep: Equipment or vehicle →Have ready
- Address of each property you could offer as security, and whose name it's in
- A realistic value estimate and the current loan balance on each
- Your existing lender's name and whether repayments are up to date
They'll probably start with
"Is the property residential or commercial, and who owns it?"
Full call prep: Borrow against property →Have ready
- The size of the gap and the date it bites (wages, BAS, rent, a big supplier bill)
- Money due in — invoices, progress claims or seasonal takings — and when
- Your lowest bank balance in recent months
They'll probably start with
"What caused the gap, and is it once-off or recurring?"
Full call prep: Cash flow gap →Have ready
- A list of every business debt: lender, balance, repayment, end date
- Recent statements for each loan, card or merchant advance
- Payout figures if you've asked for them (or the date you'll request them)
They'll probably start with
"Which debts are you looking to replace?"
Full call prep: Refinance existing debt →Have ready
- The next pay run total, including PAYG withholding and super
- Payday dates for the next couple of months
- Any super or PAYG already overdue
They'll probably start with
"How many staff, and how often do you pay?"
Full call prep: Wages, PAYG or super →Call prep by situation
Pick the one that sounds like you
Each page explains what the specialist will ask, what to have within reach, and the questions worth asking back.
ATO debt
Calling about a business loan for ATO debt? The questions you'll be asked, the ATO figures and letters to have ready, and what to ask before you borrow.
Prep for this call →Equipment or vehicle
Getting ready for a call about equipment or vehicle finance? The quote details, seller checks and questions that make the first conversation count.
Prep for this call →Borrow against property
Preparing for a call about a property-secured business loan? The property, ownership and existing-mortgage details to have ready, and what you'll be asked.
Prep for this call →Cash flow gap
Preparing for a call about a cash flow gap? How to size the gap, the week-by-week numbers to have ready, and the questions a specialist will ask you.
Prep for this call →Refinance existing debt
Planning to refinance business debt? The debt list, payout figures and statements to have ready, the questions you'll be asked and how to compare the options.
Prep for this call →Short-term / caveat loan
Preparing for a call about a caveat loan? The property, ownership, deadline and exit details to have ready, the questions you will get and what to ask.
Prep for this call →Stock or inventory
Calling about funding a stock or inventory purchase? The supplier order, payment terms and sell-through numbers to have ready, and what you'll be asked.
Prep for this call →Wages, PAYG or super
Calling about a wages, PAYG or super shortfall? What Payday Super changed from 1 July 2026, the payroll figures to have ready and what you'll be asked.
Prep for this call →Buying a business
Preparing for a call about finance to buy a business? The sale details, seller financials and lease terms to have ready, and what a specialist will ask you.
Prep for this call →Fit-out or renovation
Calling about finance for a shop fit-out or renovation? The builder quotes, lease details and payment schedule to have ready, and what you will be asked.
Prep for this call →Newer business
Newer business looking for a loan? What lenders ask when there's little trading history, the details that fill the gap and how to prepare for the first call.
Prep for this call →Past credit issues
Past defaults, judgments or ATO trouble? How to prepare for a business loan call with a credit history, what you'll be asked and how to explain it clearly.
Prep for this call →The first call
What a good first call actually sounds like
An illustrative example for a café owner with a quarterly BAS due and a slow month behind them. No sales pitch, no rush — just the questions that get to realistic options.
SpecialistThanks for the details on the form. You mentioned the BAS is due on the 28th — roughly how much is it, and is it lodged yet?
OwnerAbout $18k. My bookkeeper's lodging it this week. Winter was slow and the cash just isn't there.
SpecialistUnderstood. What do takings usually look like once spring picks up? And is there anything else owing to the ATO?
OwnerNothing else owing. Spring's normally a lot stronger — I've got the last two years in the software.
SpecialistThat helps a lot. If you can send your last few months of bank statements, I can tell you which options fit and what each would cost in dollars.
Illustrative example only. Not a real client.
Call-back myths
Things people worry about before they ask
"Asking for a call-back will show up on my credit file."
It won't. Talking through your situation involves no credit check. That conversation only happens if you choose to apply.
"I'll get ten different lenders ringing me by lunchtime."
Not from us. Your request stays with one team, and one specialist calls you. No lead auctions.
"I need a full document pack before I'm allowed to ask."
You don't. A few key details make the call more useful, and the specialist tells you what else matters for your situation.
"An ATO debt or a past default means there's no point calling."
Both are looked at case by case. Raising them early usually opens more doors than hoping they won't come up.
Your turn to ask
Questions worth asking any lender
- First-call questions
- Total cost in dollars
- Guarantees and security
- Exit and early repayment
- Red flags on a call
About the call-back
Timing, time zones and missed calls
- How a call-back works
- Talk to a specialist
- Business lender phone number
- Call times by state
- Missed a call-back
- Urgent help
- Business finance hotline
Real people, plain answers
Built for owners who'd rather talk it through
You're running a workshop, a café, a crew or a warehouse. You don't have an hour to fill in forms and wait on hold. So we flipped it: a minute to tell us what's going on, then a person who rings you, knows what you asked about, and tells you straight what's realistic — including when borrowing isn't the answer.
No credit check to ask
Requesting a call-back and talking through your situation doesn't touch your credit file. That only comes up if you decide to go ahead.
One call, not twenty
We don't spray your details across a pile of lenders. No lead farming, no flood of strangers ringing you.
A real specialist rings you
A person reads your request before they call, so the first conversation starts where you are. Accurate answers on the form mean the right option first time.
Please fill in the request accurately — the amount, your state and any property you own matter most. It's how we match you properly on the first call.
Guides
Before, during and after the call
Practical reading for the week you realise cash is getting tight — and the day the phone rings.
Pre-Call Routine: Ready for a Finance Call in 15 Minutes
A practical 15-minute routine before a business finance call: the numbers to pull, the documents to open, where to take the call and what to say first.
Should Your Accountant Join Your Business Loan Call?
When it helps to have your accountant, bookkeeper or business partner on a business loan call, when it doesn't, and how to brief them so the call goes well.
After a Finance Call: What to Write Down and Confirm
What to write down straight after a business finance call, which points to confirm in writing, and how to compare options fairly before you decide.
Supplier Price Rises Squeezing Cash? Steps Before You Borrow
When supplier price rises squeeze cash flow: measure the real impact, try pricing and supplier moves first, and know when finance makes sense.
Big Customer Paying Late? A Cash Plan for This Week
When a big customer pays late: a day-by-day plan to chase the money, protect payroll and tax, use ASBFEO mediation and decide whether to bridge the gap.
Behind on a Business Loan? Which Call to Make First
Falling behind on a business loan? Why your existing lender is usually the first call, what to ask for, when to refinance and where to get free help.
Questions about Loan Hotline
Is there a phone number I can call?
Loan Hotline works the other way round: you request a call-back and a lending specialist rings you in the window you choose. It means nobody waits on hold, and the person who calls has already read what you need.
Does requesting a call-back affect my credit score?
No. There's no credit check when you first enquire or when we talk through options. A credit check only comes up if you decide to go ahead with an application.
Will my details be passed to lots of lenders?
No. Your request goes to one team and a real person works on it. We don't sell or spray enquiries, so you won't be flooded with calls from strangers.
How much can a business borrow?
Property-secured business loans run from $20,000 to $5,000,000 using first mortgages, second mortgages or caveats over 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.
What should I have ready before the call?
It depends on the situation. Use the call-prep tool: pick your topic, amount and state and it lists the details that matter, such as ATO balances for a tax debt or a supplier quote for equipment. Your ABN, ID and recent bank statements help in almost every case.
Can you help if I have ATO debt or past credit issues?
Often, yes. Both are considered case by case. Mention them up front on the form and on the call — it lets the specialist look at the right options straight away instead of discovering them later.
What time will you call?
You pick a preferred window in your own local time, and the call-prep tool shows how that lines up across time zones and daylight saving. Keep your phone nearby around then, as the call may come from a number you don't recognise.
Is this for personal loans or home loans?
No. Loan Hotline is for business purposes only — tax, stock, equipment, wages, fit-outs, buying a business, refinancing business debt and similar. The security can be a home, but the purpose must be business.
More answers on the full FAQ page, or skip ahead and request your call-back.
Pick a window. We'll make the call.
Tell us what you need help with in about a minute. A real specialist calls in the window you choose — no credit check to ask, and your details aren't passed around.
No credit check to ask
One call, not twenty
A real specialist rings you