For owners and their advisers
Your accountant, bookkeeper or BAS agent has spotted a gap. We turn the documents you already have into a clear match with one suitable lender — secured, unsecured or a line of credit.
You, the owner
Purpose, amount, ID, bank statements, property
Your adviser
Financials, tax returns, ATO statement, explanations
The right lender
Matched to your file — $20k – $5m
A real person links all three
No credit check to enquire
Asking what's possible leaves your credit file untouched. A credit check only comes up once you choose to proceed.
One match, not a mailing list
Your file isn't fired off to a crowd of lenders. We read it, link it to a lender that suits, and tell you who before anything moves.
A real person on your file
A specialist calls you (and your adviser, if you'd like). Accurate answers on the form mean the first match is the right one.
Two ways in
Owners get plain answers about what their adviser raised. Advisers get practical guides to referring and preparing a client.
For business owners
What they probably saw in your numbers, the questions to ask back and how to turn the advice into a plan.
For accountants, bookkeepers & advisers
The same enquiry form, a note that you referred them, and a specialist who calls your client first.
Linking the numbers
Pick a document you (or your adviser) already have. We'll show the loan type it links to most strongly.
Four or more lodged BAS show turnover trend and discipline. Paired with bank statements, they're the main evidence for cash flow facilities, typically $5k to $500k.
How lenders read it →Net profit, adjusted for add-backs, shows how much the business can repay. It matters most for larger unsecured term loans.
How lenders read it →Deposits, balances and dishonours over six to twelve months. For many unsecured facilities, the statements are the application.
How lenders read it →Value minus what's owed. Equity can secure first mortgages, second mortgages or caveats from $20k to $5m, residential or commercial.
How lenders read it →Who owes you and how late. It explains why a profitable business is short of cash, and supports a line of credit to bridge it.
How lenders read it →A dated portal statement shows any balance and payment plan. ATO debt is considered case by case; disclosed up front, it reads far better.
How lenders read it →Free tools
Choose owner or adviser, the funding need, your structure and what's lodged. The Link-up checklist builder splits every document into what the owner provides and what the adviser provides, shows which loan types the numbers point to, and copies a summary you can send straight to your adviser.
How it works
From the moment someone spots the gap to a matched option on the table.
Often by your accountant, bookkeeper, BAS agent, planner or coach — sometimes by you at 2am. Either way, it starts with a number.
You, or you and your adviser together, tell us the amount, purpose and situation. No credit check to enquire.
A specialist calls you, works out which documents point to which loan type, and speaks with your adviser if you'd like.
Your file goes to a single lender that suits it — not a crowd. You see the option, the costs and the conditions, then decide.
Worth checking
"My accountant will arrange the loan."
Most accountants don't lend or broker. Their value is the numbers and the explanations — which is exactly what a lender needs.
"I need last year's tax return lodged first."
Not always. The last lodged year, plus year-to-date figures and recent BAS, often bridges the gap.
"An ATO debt means no."
ATO debt is considered case by case. A kept payment plan and a clear explanation change how it's read.
"Applying to lots of lenders improves my chances."
A cluster of credit enquiries can make a file look desperate. One well-matched application is the better move.
Launch guides
Use the quarterly BAS catch-up with your accountant or bookkeeper to spot funding needs early: a 20-minute agenda, five numbers to review and next steps.
Read the guide →
Applying for a business loan before your latest tax return is done? How interim financials, BAS and an accountant's letter bridge the gap for lenders.
Read the guide →
Why mixing personal and business money hurts a loan application, and a practical plan to separate accounts, cards and drawings so your numbers read cleanly.
Read the guide →We link three parties: you, your adviser and the right lender. You (or your adviser) make a short enquiry, a real specialist calls you, works out which of your documents point to which loan type, and matches the file to one suitable lender. We don't spray your details across a panel.
Ask your accountant which number prompted the comment, roughly how much and for how long. Then use our Link-up checklist builder to see which documents you and your adviser will need, and make a 60-second enquiry when you're ready.
Yes. Advisers use the same enquiry form and note that they referred you, with their name and firm. We always call you, the owner, first and only speak with your adviser about what you've authorised.
No. There's no credit check when you first enquire. A credit check is only discussed once you've chosen an option and decided to go ahead.
Property-secured business loans run from $20,000 to $5,000,000. Unsecured, cash flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements. Business purposes only.
Yes, case by case. ATO debt is one of the most common reasons owners and their BAS agents get in touch. What matters is the overall picture — trading, any security and a sensible plan.
No. Every facility is priced on the business's own circumstances — its trading, security, credit history and the loan itself. A specialist will explain the costs of any option before you decide.
We don't make any commission or fee promises to advisers. A referral is simply about getting the client matched with a suitable lender.
More answers in the full FAQ · Or start your 60-second enquiry
One short enquiry. No credit check to ask. A real specialist who calls you — and your adviser, if you'd like.
No credit check to enquire
One match, not a mailing list
A real person on your file