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80+ lenders.
One best match.

We find the yes when all your business has heard is no.

I'd like to borrow
$150,000
$5k$500k$1M+
Get matched for $150,000 →
Talk to a specialist →

Exploring your options will never affect your credit score.

★★★★★ Rated 5.0 on

Google

I'd like to borrow
$150,000
$5k$500k$1M+
Get matched for $150,000 →

24 hrs

to your first offer

Built for all businesses

facilities from $5k to $1M+

No surprises

every cost upfront

Why business owners pick us

Not a bank template — real people, real lenders, real yeses.

Fast funding

Approved and funded in as little as 24 hours — cash in your account, not caught in red tape.

Know before you apply

See where you’d land with a soft check — real insight into your options, zero impact on your credit file.

We say yes

ATO debt, bad credit or limited financials? We find the lender who sees how your business actually trades.

80+ lenders, one application

Bank, non-bank and specialist lenders others can’t reach — compared for you in one ~2-minute form.

Access to 80+ lenders including

Finance for what's next

Three ways to fund the next move — matched to your business, not a template.

Cashflow feeling a little tight?

Stock, payroll, marketing, the tax bill — or just breathing room between jobs. Up to $1M unsecured on your trading performance, built around how your business actually earns.
Find my working capital options →

Need new gear to keep growing?

Utes, vans, machinery, tech — own it from day one while the asset itself secures the loan, repayments matched to your cashflow.

Find my asset finance options →

Ready to break ground?

Bigger money for bigger moves. Borrow against property for $1M+ at sharper rates, bridge the gap between buying and selling with flexible bridging facilities — or fund a build with staged drawdowns that follow your milestones.
Find my property finance options →

We back the businesses banks won't.

Banks read credit scores. We read businesses. If the business makes sense, we’ll make it happen.

ATO debt

Keep cashflow steady while you square things with the tax office. Lenders on our panel fund it every week.

Bad credit

A rough patch on paper doesn’t erase a strong business story. We look at how you trade today.

Limited financials

Low-doc options built on proven trading activity — bank statements can do the talking.

Declined elsewhere

A “no” from one lender is just data. We know which of our 80+ lenders will see it differently.
See what I qualify for →
Soft check only — your credit file stays untouched until you choose to proceed.
9:41

Hello Alexander,

🥳

Congratulations — final approval is in!

You did it! Nothing left to do — we're getting your funds ready to settle.

That's a yes from the lender 🥳 Settlement prep is already underway.

📌 Your loan info
Facility TypeOverdraft Facility
Approved Loan Amount$500,000
Facility Term5 years
Repayment$2,027.68 / wk
Annual Fee$795
Let's get funded!
Unconditional approval 🎉
+ $500,000
That's a yes from the lender — settlement prep underway.

Our promise

If the business makes sense, we'll make it happen.

No hoops. No lectures about a credit score from three years ago. We look at how you trade today — and go find the lender who sees it too,
See what I qualify for →

Simple, transparent, fast

📍 Stop 1

Tell us about the
business

~2 minutes, no paperwork to start, and it’s a soft check only — your credit score stays untouched.
Start your soft check →

🧭 Stop 2

Get matched &
approved

We compare 80+ lenders and handle the approval so you can focus on what matters — your business. First offer within 24 hours.
Talk to a specialist →

🏁 Home stretch

Settlement

Pick your offer, e-sign, done. Funds in as little as 1–2 business days. It’s that simple.
Apply for funding →
START
FUNDED
START

📍 Stop 1

Tell us about the
business

~2 minutes, no paperwork to start, and it’s a soft check only — your credit score stays untouched.
Start your soft check →

🧭 Stop 2

Get matched &
approved

We compare 80+ lenders and handle the approval so you can focus on what matters — your business. First offer within 24 hours.
Talk to a specialist →

🏁 Home stretch

Settlement

Pick your offer, e-sign, done. Funds in as little as 24 hours. It’s that simple.
Apply for funding →
FUNDED

Business owners back us. So do brokers.

Rated 5.0 on Google
★★★★★
★★★★★

“Finect made funding our expansion simple and stress-free. We secured the right finance option in days — no red tape, just results. Alex and the team genuinely understood our business.”

Looksmart Alterations

Business client
★★★★★

“Working with Finect has been seamless. Well-prepared applications, deep product knowledge, clear communication from start to finish. Professional, proactive, and always focused on the best outcome.”

Savvy Loans Partner Team

Referral partner
★★★★★

“Finect consistently delivers for our referred clients. Quick, transparent, and always the extra mile to find the right lender fit. Speed, integrity, and real industry knowledge.”

Jacob Borg

ARC Lending Network

You focus on the business.
We'll handle the finance.

Cashflow, growth, or a tough patch — see every option from 80+ lenders with one soft-check application.
Check my options →
~2 minutes · no credit check yet · we’ll be in touch within 2 hours

Common questions answered

We move fast. Most applications are assessed within 24 hours, and many clients receive funding in as little as 24 hours — unsecured term loans are often funded same day — depending on product type, documents and the lender.
From $5,000 up to over $1 million, depending on your business needs, structure and turnover. Short-term cashflow boost or large-scale expansion — we’ll match the right lender and product.
Not necessarily. We offer both secured and unsecured options — many clients qualify purely on trading performance, while others use property or assets to unlock higher limits and sharper rates.
Yes. We take a common-sense approach — credit scores don’t tell the full story. ATO debt, missed payments, past defaults: we look at how your business performs today. If the business makes sense, we’ll make it happen.
No — not at the start. Your Finect application is a soft check, which never impacts your credit score. A formal credit check only happens if you choose to proceed with a lender and give consent.
No hidden fees. Transparent, upfront pricing — any fees and costs are clearly outlined in your offer before you commit. No surprises down the track.
All of them — trades, transport, construction, hospitality, retail, e-commerce, professional services and more. Our lender network covers a wide range of business types and cashflow cycles.
The application takes a few minutes. First offer usually within 24 hours. Funding in as little as 1–2 business days; larger secured loans typically settle 3–5 business days after approval.
Yes — we regularly help new and early-stage businesses. You may need basic trading history or projected cashflow, and we specialise in low-doc and alternative options for start-ups ready to grow.
Applying direct often triggers a hard credit check — even if you’re just looking. Finect compares multiple lenders using soft checks only, and we know which lenders move fast, who suits your industry, and what docs they’ll want.
Still deciding? Talk to a human — no scripts, no pressure.

Callback booked

Thanks 555 — a specialist will call sss as soon as possible (within 2 hours during business hours).
Done
Talk to a specialist
Real people, no scripts, no pressure. Call us now — or tell us when to call you.
Call (02) 7255 9782
or request a callback
We’ll be in touch within 2 hours during business hours.