A short conversation on how you operate and what the funding needs to do for you. Ideally early: when you need money is the worst time to borrow it.
02
We workshop it with lenders
Your application becomes conditionally approved. No formal credit check, we workshop the deal with the financiers and get commitment from them subject to specific conditions and a formal application being submitted.
03
You get approved and funded
We handle the paperwork and lender questions until funds land in your account.
“I’ve worked across thousands of applications and approvals over the past decade. That volume, paired with knowing exactly how each lender reads a deal, is the edge I bring to every file.”
Thousands of applications across a career inside lenders and in broking: pattern recognition that only comes from volume.
Direct working relationships with brokers and credit teams at 80+ non-bank lenders. We know who underwrites your kind of file.
Not tied to ecommerce, wholesale, trades, hospitality, transport and professional services all underwrite differently, and we work all of them.
An indicative quote is a soft check only. We only submit a formal application once you’ve picked an offer.
Not for most facilities under $250,000. Where security is needed, it’s usually a general security agreement over business assets. We tell you before you apply, not after.
No. Ecommerce is where the brand started, but the panel and the process work the same for wholesale, trades, hospitality, transport and professional services, any business with working capital or asset finance needs.
Nothing upfront. We’re paid a commission by the lender you choose, and we disclose the amount in writing before you sign.
Most unsecured facilities get an indicative yes within a business day and settle inside 48 hours once paperwork is in. Secured or larger facilities take longer. We’ll give you a real timeframe once we see your file, not a marketing number.
Most declines come down to the wrong lender for that file, not the wrong business. We adjust the pitch, or move to a lender whose criteria fit.
Sometimes, it depends on the product and the story behind the numbers. Some lenders on our panel weight revenue and cash flow more heavily than credit history. Talk to us before assuming you’re not eligible.
We stay the point of contact for that facility. Renewals, top-ups, or questions about the terms come back to us, not a call centre.
Founder and principal broker, Ecommerce Loans. Employee #5 at Shift (AFR Fast 100, Deloitte Tech Fast50) through its growth to ~150 people, then national BDM roles at Iron Capital and Lumi, before running broker distribution at Lend for over 4 years. 10+ years placing and building lending policies for SME, asset and trade finance deals, represented through CAFBA, FBAA and MFAA.
