How it works
From the order window to keys and cash
Five steps, no jargon, and nothing touches your credit file until you decide to go ahead.
- 1
1. Tell us about your rig (about 60 seconds)
What you need, what it's for, your state, how the business trades and whether you own property. No credit check when you first enquire.
- 2
2. A real person reads it and calls you
A specialist who understands mobile businesses looks at your enquiry and rings to fill in the gaps: your season, your bookings, your security and what you've already got in the bank.
- 3
3. Options that fit how you actually earn
Secured or unsecured, lump sum or line of credit, how repayments sit against a normal and a quiet week, and what paperwork each option needs. No pressure to go ahead.
- 4
4. Documents and assessment
Only once you decide to proceed. You'll get a clear list — usually bank statements, ID, quotes or invoices for what you're buying and property details if it's secured.
- 5
5. Funds out
Once approved and signed, funds are paid to you or straight to the seller, builder or supplier, so you can get trading.
What we look at
Every mobile business is different, but the questions are consistent: what does the project really cost, what are you putting in, how does the business earn across the whole year, and what security is available? Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat loans over residential or commercial property. Bad credit and ATO debt considered case by case.
If you haven't added up your project yet, the truck-stop calculator is a good first stop. It shows your funding need, your stake as a percentage and how a repayment sits against a normal and a quiet week.
What we don't do
- We don't run a credit check when you first enquire.
- We don't blast your details to a list of lenders.
- We don't publish rates that won't apply to you — every facility is priced on your situation.
- We don't pressure you. If it's not the right time, we'll say so.
Common questions
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up once you've chosen an option and decided to go ahead.
Will my details be sent to lots of lenders?
No. We don't spray enquiries around. A real person reviews your situation and matches it carefully, so your phone won't be ringing off the hook.
What should I have ready for the call?
A rough idea of the total cost (the truck-stop calculator helps), your recent takings, what you owe now, and quotes or a listing for what you're buying. It's fine if you don't have everything yet.
How long does the whole process take?
It depends on the option, the security and how quickly documents come together. Unsecured options for trading businesses can move faster than property-secured loans, which need valuations and legal steps. Your specialist will give you a realistic timeline.
Why do you ask so many questions on the form?
So we can match you properly first time. The amount, purpose, state and property details decide which options are realistic. Accurate answers save you time.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real person on your file