01
Tell us about your business
Your ABN, monthly turnover and what the funds are for. Most people are done in under two minutes.
Business finance, without the week of waiting.
Borrow $10,000 to $500,000. One quick online application, and funds in as little as 24 hours.*
Start with your number.
2 min app,
offer in 24 hrs*
offer in 24 hrs*
*If approved. Funding time varies by lender and needs complete information. Eligibility and lender assessment apply; an offer is not guaranteed.
See how much you could borrow.
A few quick questions. Your borrowing capacity shows at the end, with no credit check.
Three steps. About two minutes.
02
We do the lender legwork
Matched in seconds. Our matching checks your details against lender criteria and shows your range on screen.
03
Choose it and settle
A broker confirms it and handles the lender. Funds in as little as 24 hours.*
The basics.
If you tick these, start the application. If you are not sure, start anyway. It takes two minutes and does not affect your credit score.
- An active Australian ABN
- Six months or more of trading
- $10,000 or more a month in turnover
- A director or owner making the application
- Property optional, it just lifts the limit
Questions, answered.
Is Skypay a lender?
No. Skypay Connect is a finance matching service. We match your application to lenders whose criteria fit, and a broker helps you lock in an offer. The lender makes the credit decision.
How quickly will I hear back?
One of our broker partners calls, usually within 1 business day, and an offer can follow within 24 hours if the business qualifies.
How much can I borrow?
Between $10,000 and $500,000. Unsecured limits are usually around twice monthly turnover. With property, lenders can go to around 85% of the available equity.
What is the difference between secured and unsecured?
Unsecured is based on how the business trades, with no property needed. Secured uses property equity, which usually means a higher limit and a sharper rate.
Can I apply with ATO debt?
Yes. Overdue BAS and ATO payment plans are among the most common reasons businesses come to us. Include the balance so it can be matched correctly.
Does applying cost anything?
No. Applying is free and there is no obligation. Rates and fees are set by the lender and shown in full before you sign anything.
Will this affect my credit score?
Checking your options does not. If you go ahead, the lender may ask for your consent to a credit check.
What do I need to apply?
Just the basics about you and your business to get started today. Nothing to upload.