poppyWhat online stores borrow for
- Inventory: a bigger order ahead of Black Friday, Christmas or EOFY sales
- Marketing: scaling paid social or search campaigns with proven returns
- New products: minimum order quantities and sampling for a new line
- Fulfilment: warehouse fit-out, packaging stock or 3PL onboarding
How we assess online stores
Settlements from Shopify Payments, Stripe, PayPal, Afterpay, marketplaces and other gateways show up in your bank data. That gives us a clear view of your sales trend and seasonality, without you exporting reports from each platform.
Borrowing for ads
Borrowing to fund marketing works best when you already know your numbers: what a customer costs to acquire and what they’re worth. If you’re still testing, start small with your own cash first. A loan is better for scaling what already works.
How it works
- Check eligibility. Tell us about your business in a 3-minute form. No documents and no credit check at this stage.
- Connect your bank. Share read-only business bank data through a secure link, so we can see how you actually trade.
- Review your offer. You get one summary: the loan amount, the term, your weekly repayment and the total to repay, including all fees.
- Get the funds. Sign online and the money is paid to your business account.
Who can apply
- A registered business in Australia (with an ABN) or New Zealand (with an NZBN)
- Trading for 6 months or more
- Around $10,000 or more in monthly sales
- A business bank account with regular deposits we can see
- The loan is for a business purpose, not personal or household spending