How it works
How it works, start to finish
Five steps from your first question to money in the account — with no credit check to enquire and nothing sent to a lender without your say-so.
- 1
1. Ask (about 60 seconds)
Tell us the amount, what it's for, your state and a few facts about the business. No credit check when you first enquire, and no obligation.
- 2
2. A real person reads it
A lending specialist looks at your answers — trading, turnover, property, ATO position, credit — before picking up the phone.
- 3
3. The straight-talk call
You talk through what you need and why. The specialist explains which options genuinely fit, which don't, and what each would take.
- 4
4. You choose, then we approach a lender
Nothing goes to a lender until you agree. Then you get a clear list of documents, and any credit check is discussed with you first.
- 5
5. Offer, signing and settlement
Read the letter of offer carefully and ask about anything unclear. Once signed and settled, funds go to you or straight to whoever needs paying.
What makes the process work
Two things: honest answers going in, and a specialist who reads them properly. The enquiry form is short, but each question matters. The amount and purpose tell us which loan structures make sense. Your monthly turnover and trading time point to whether unsecured options are realistic. Property, if there is any, opens the larger secured range from $20k to $5m. Your ATO position and credit history tell us which lenders will look at your file case by case.
Fill those in accurately and the first call is useful from the first minute. Fudge them and everybody loses a week.
Before you enquire
Not sure you're ready? Run Mr's loan-readiness interview — eight questions, a plain-English verdict and a document list, all in your browser. And if a word in this process trips you up, the jargon decoder has you covered.
Common questions
Does enquiring affect my credit score?
No. Enquiring with Mr Business Loan involves no credit check. A credit check is only discussed once you've seen your options and decided to proceed.
Will my details be sent to lots of lenders?
No. A specialist matches your situation and only approaches a lender with your agreement. Your details aren't blasted out to a list.
How quickly will someone call?
A real person reads every enquiry and calls during business hours, Australian eastern time. If you have a deadline, say so in the form so it can be prioritised.
What should I have ready for the first call?
A rough idea of the amount and purpose, your monthly turnover, any property you might use as security, and your position with the ATO. Documents come later, once you choose an option.
Why do you ask about the ATO and my credit history?
Because every lender will. Knowing early lets the specialist steer you to lenders who consider your situation, rather than wasting your time on ones who won't.
Righto. Let's see what's possible.
Enough reading. Ask Mr about your business.
Tell us what you need in about 60 seconds. There's no credit check to enquire, your details aren't passed around, and a real person calls you back with options that fit.
No credit check to enquire
No spray and pray
A real person on your file