poppyfinance

Funding that grows with your business.

Cash advances for Australian and New Zealand businesses. See the full cost before you sign, with repayments linked to your sales.

Check eligibility See how it works

Takes about 3 minutes. Checking eligibility doesn’t involve a credit check.

How it works

Our tech does the paperwork, so you spend minutes on this, not days.

  1. Check eligibility

    Tell us about your business with the short form below. No documents yet.

  2. Connect your bank

    Securely share read-only bank data so we can see how you actually trade.

  3. Review your offer

    If it’s a fit, you get one clear summary: the amount, the total to repay and how repayments work.

  4. Get funded

    Sign online and the funds are paid to your business account.

Repayments that move with your sales

Instead of a fixed monthly amount, you repay a set percentage of your sales. In a busy week you repay more. In a quiet week, you repay less.

The total you repay is agreed up front and doesn’t change if it takes a little longer.

  • One number to know: the total to repay
  • No surprise fees added later
  • Repay early if your business is flying (ask us how this works for your offer)
Example: repayments over eight weeks Bar chart where each week's repayment is the same small share of that week's sales, so repayments are smaller in quieter weeks such as week 4. Wk 1 Wk 2 Wk 3 Wk 4 Wk 5 Wk 6 Wk 7 Wk 8
Illustration only. Your repayment percentage is set in your offer.

Is Poppy right for you?

We’d rather tell you early than waste your time.

Usually a good fit

  • Registered business in Australia or New Zealand
  • Trading for 6 months or more
  • Around $10,000 or more in monthly sales
  • Regular card or bank deposits we can see
  • Funding for a clear business purpose: stock, equipment, a cash flow gap, growth

Probably not for you

  • Personal, household or investment purposes. We only fund businesses.
  • Businesses that haven’t started trading yet
  • Paying off other short-term business funding you’re struggling to repay
  • If a lower-cost option like a bank overdraft is available to you, compare it first

Check your eligibility

Tell us a little about your business. We’ll review it and email you the next step.

  • No documents needed yet
  • No credit check to submit this form
  • No obligation to go ahead

Where is your business based?

Poppy Finance collects these details to assess whether our funding may suit your business and to contact you about your enquiry. We may share them with service providers who help us do that. If you don’t provide them, we can’t assess your enquiry. Our Privacy Policy explains how to access or correct your information and how to make a complaint.

Submitting doesn’t commit you to anything.

Questions

What is a business cash advance?

We give your business a lump sum up front in exchange for an agreed share of your future sales. You pay it back as a percentage of your takings until the agreed total is repaid.

Is it a loan?

No. A cash advance is structured as a purchase of part of your future sales, not a loan. That’s why repayments move with your sales instead of being fixed. Your agreement explains exactly how it works.

How much does it cost?

The cost depends on your business, the amount and how quickly you’re likely to repay. Before you sign, you get a summary showing the amount paid to you and the total you’ll repay, including all fees. That total doesn’t change.

Will checking my eligibility affect my credit score?

Submitting the form on this page doesn’t involve a credit check. If you choose to continue, we’ll tell you before any credit check happens as part of a full assessment.

What will I need to provide?

For a full assessment we usually need your business details, your ABN or NZBN, photo ID for the business owners, and read-only access to your business bank account data.

How long does it take?

The form takes about 3 minutes. Once we have your bank data, we aim to give you an answer quickly. Funds are paid after you sign your agreement.

Can I repay early?

Ask us before you sign. We’ll explain what early repayment means for your specific offer so there are no surprises.

Do you fund businesses in New Zealand?

Yes. We fund registered businesses in both Australia and New Zealand.