60+ Lenders Compete · 24HR Approvals
Find Out If You Qualify.
Get funded in under 24 hours with no paperwork. Up to $2M for vehicles, equipment, or business cashflow — new ABNs and bad credit considered.
60+ Lenders Compared
No Credit Score Impact
60-second eligibility check
Check eligibility with NO impact on your credit score
Step 1 of 7
~60 seconds
What do you need a loan for?
Pick the one that fits — we'll match you with the right lenders.
How much do you need?
Drag the slider — a rough estimate is fine.
Do you have an active ABN?
No ABN? No problem — for most asset finance, we still have options.
What's your ABN?
11 digits. We verify in the background — no impact on your credit.
Are you an Australian Citizen or Permanent Resident?
What's your average monthly turnover?
Do you have a regular income?
Salary, contracts, or any consistent income source.
Any defaults on your credit file?
Be honest — bad credit doesn't disqualify you. We work with specialist lenders.
Matching you with lenders...
Scanning our 60+ lender network
By submitting, you agree to be contacted by a Loan Time consultant. We never share your details.
Sorry — we can't help right now
Based on your answers, you don't currently meet the eligibility criteria for our lender network.
You're all set!
A Loan Time consultant will call you within the next business hour. Keep an eye out for a call from 0439 837 537.
Trusted by 60+ of Australia's leading lenders
Why Loan Time
Built for tradies. Not paperwork.
Banks make you jump through hoops. We make 60+ lenders compete for your business — in 24 hours, not 24 days.
24hr Funding
Get approved fast — most loans funded within a single business day.
ABN from 3 months
New business? No problem. We work with lenders who understand startups.
Bad credit OK
Past defaults? Specialist lenders in our network still say yes.
Up to $2M
From a single van to fleet expansion or business cashflow — we can fund it all.
How It Works
From application to keys — in 3 steps.
No mountains of paperwork. No bank queues. Just answers, fast.
1
Check eligibility
Answer 8 quick questions. No documents, no credit check. Just your basic business info.
60 seconds
2
Receive offers
We match you with lenders from our network. A specialist talks you through your best options.
Same day
3
Drive away
Sign the offer that suits you. Funds land in your account — usually within 24 hours.
24 hours
The Difference
Why banks lose
Why banks lose
this fight.
Banks built their rules for banks. We built ours for tradies. Here's what changes when 60+ lenders compete for your business.
Round 1 · Approval Speed
Banks
2–4 weeks
Loan Time
24 hours
Round 2 · New ABN
Banks
2+ years
Loan Time
From 3 months
Round 3 · Bad Credit
Banks
Auto-rejected
Loan Time
Considered
Round 4 · Credit Score Hit
Banks
Hard pull
Loan Time
Zero impact
Round 5 · Lenders Compared
Banks
Just 1
Loan Time
60+ compete
Round 6 · Paperwork
Banks
Mountain of docs
Loan Time
Low-doc
60-second eligibility check · No credit score impact
Customer Reviews
Trusted by Aussie business owners.
M
Mark T.
★★★★★
"Had a knockback from my bank on a new ute. Loan Time got me approved in 4 hours. Picked up the keys two days later."
S
Sarah K.
★★★★★
"My ABN was only 5 months old. Three other brokers said no. Loan Time said yes — financed two work vans for the team."
D
Dave R.
★★★★★
"Had a default from years back. Thought I was stuffed. Loan Time matched me with a lender who didn't care. New truck on the road."
Reviews are illustrative — to be replaced with real Google / Trustpilot reviews on launch.
Common Questions
Quick answers.
Still got a question? Hit the quiz and a specialist will call you within the hour.
Yes. We work with specialist lenders who fund newer ABNs. As long as your ABN is at least 3 months old and you have an active income source, we can usually find a match.
For vehicle and equipment finance, yes — we have consumer loan options for PAYG employees and self-employed contractors without an ABN. Business loans (cashflow, expansion, etc.) do require an active ABN.
No. Our 60-second eligibility quiz is a soft check only. Your credit score won't be impacted unless you choose to proceed with a formal application from one of our lenders.
Not at all. Our network includes specialist lenders who consider applicants with past defaults, judgments, or even ex-bankruptcies. We assess each application on its full picture, not just one number.
Most approved loans are funded within 24 hours of accepting an offer. Same-day funding is possible for straightforward applications submitted before midday.
We're a commercial finance broker. That's actually a benefit — we compare 60+ lenders to find you the best rate and structure for your situation, instead of locking you into one bank's policy. ACL No. 389527.
For most asset finance applications under $150K, we use low-doc options — ABN, ID, and basic info is often enough. Larger loans and business loans may need bank statements. We'll tell you exactly what's needed after the quiz.
Ready to get funded?
Vehicles. Equipment. Cashflow. Up to $2M, approved in 24 hours. Check your eligibility in 60 seconds — no impact on your credit score.