Working capital, equipment finance, commercial vehicles, short-term cash flow. We shop 20+ non-bank lenders and get your deal decisioned in 48 hours, not 4 weeks.
No credit check. We call inside 2 business hours.
One application goes out to every lender that fits your profile. You see every option before you commit.
Short-term cash flow funding for payroll, tax, or seasonal dips. 3 to 24 months, unsecured options available.
Machinery, plant, tools, IT. 100% funded with the asset as security. Often faster and cheaper than unsecured.
Utes, vans, trucks, fleet. Balloon payments and residual value options to keep repayments manageable.
Unlock cash tied up in unpaid invoices. Get paid in 24 hours instead of 60 days.
Buying a business, MBO, partner buyout. Structured against earnings and security.
New location, renovation, growth capital. Lenders that look beyond the bank's tick-box criteria.
"Stream got my business $180K of equipment finance in 3 days after two banks wasted 5 weeks of my time. The difference wasn't luck. They just knew which lender would say yes."
The speed and scale you get when 20+ non-bank lenders compete for your deal.
Your bank's algorithm spits you out before a human looks at the file. Our non-bank panel looks at where the business is today and where it's heading, not just last year's tax return.
No sales spin. Here's what actually matters.
Our non-bank panel looks at bank statements, live contracts, and real cashflow, not just last year's tax return. If your trajectory is right, the deal gets done.
Enough time to show positive cashflow on bank statements
Equipment finance uses the asset itself as security, which is often faster and cheaper than unsecured. Unsecured business loans available based on turnover and cashflow, no house required.
No residential property security required
Business finance rates typically 8-18% p.a. depending on lender, risk and security. Every fee disclosed in writing before you sign.
Flat. Win or lose, the enquiry is free.
Our AI assistant runs your profile against 20+ business lenders the moment you submit, surfaces likely rates, and hands the file to a human broker to close it out.
Tell us the funding purpose, amount, and a snapshot of the business. No credit check yet.
AI matches your profile against business lenders and surfaces the 3-5 most likely to approve. Your broker confirms.
48-hour decision. You pick the deal. Funds typically hit the account in 4 to 7 working days.
No. Lenders on our panel will look at deals from 6 months of trading, and a handful consider pre-trading if the director has relevant industry experience and contracts in hand.
No. Unsecured business loans up to $500K are available depending on turnover. For equipment and vehicle finance, the asset itself is the security.
Business finance rates vary by lender, security type and risk profile. Typically 8% to 18% p.a. for established businesses, higher for non-prime. We'll show you the actual rates on your approvals before you commit.
Typical timeline is 4 to 7 working days from complete application to funds settled. Simple asset finance can settle same-day. Complex deals with legal structures take longer.
Photo ID, 6 months of business bank statements, most recent annual accounts, and a short summary of what the funds are for. We handle the rest.
Yes. Our non-bank panel specialises in looking forward, not backward. A poor previous year with a strong trajectory this year is often fundable. Tell us the real picture and we'll tell you straight.
Check what you qualify for in 60 seconds. AI-powered match. Zero impact on your credit score.
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