poppyfinance

Fast business loans, without the paperwork chase.

Apply online in minutes and connect your bank data securely. Our assessment is based on how your business actually trades, so you’re not waiting on accountants or piles of documents.

Check eligibility Estimate repayments

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

Why our business loans are quick

  • A short online form: about 3 minutes, with no documents to upload
  • Bank data, not paperwork: you connect read-only access to your business bank account, so we don’t need months of printed statements
  • No property valuation: our loans are generally unsecured
  • Online signing: once you accept an offer, you sign online and the funds are paid to your business account

Can I get a same-day business loan?

We can’t promise same-day funding for every business, and we’d be wary of any lender that promises it without knowing your situation. How quickly you’re funded depends on how fast you connect your bank data, whether we need anything else and when you sign. What we can promise is that you won’t wait weeks for a bank-style credit committee.

How to get your loan faster

  • Have your ABN and photo ID for each director ready
  • Connect the bank account your business’s sales go into
  • Tell us what the loan is for and how much you need
  • Reply quickly if we email to ask a question

Fast shouldn’t mean rushed

Take the time to read your offer. Check the total to repay, the weekly repayment and whether it fits comfortably within your cash flow. If you’re borrowing in a hurry to cover an ongoing shortfall, speak to your accountant first.

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
Illustrative example · Brisbane plumber How a plumbing business could equip a new van in time for a contract A $65,000 loan over 12 months, repaid weekly. See the example →

Common questions

How fast can I get a business loan?

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

Do fast business loans need a credit check?

Checking eligibility doesn’t involve a credit check. If you continue to a full assessment, we’ll tell you before any credit check happens.

What documents do I need?

Usually just your ABN, photo ID for the business owners and read-only access to your business bank data. See low doc business loans.

Related

Low doc business loansUsually no tax returns or financial statements. Unsecured business loansBorrow without offering property as security. Business loan requirementsA checklist of what you need to apply. Working capital loansCover stock, wages and seasonal gaps.

See what your business could borrow

Takes about 3 minutes. Checking eligibility doesn’t involve a credit check and doesn’t commit you to anything.

Check eligibility Estimate repayments