poppyfinance

Your score is a guide only, based on your answers. It’s not an offer, approval or commitment to lend. Funding is subject to eligibility and assessment.

What your score looks at

Four things that show how your business actually trades. Your score comes from your answers alone. We don’t check your credit file to work it out.

  • Monthly depositsHow much comes into your business account each month.
  • Time in businessHow long you’ve been trading. A longer track record helps.
  • Deposit trendWhether your deposits have been growing, steady, or up and down lately.
  • Existing business loansHow many loans you’re already paying off.

From score to offer

Minutes, not days. No documents until you decide to go further.

  1. Get your score

    Answer 6 quick questions. It takes about 2 minutes and doesn’t involve a credit check.

  2. See what’s helping

    Unlock your full breakdown to see what’s working in your favour and what to improve.

  3. Check eligibility

    When you’re ready, tell us about your business with a short form. No documents yet.

  4. Review your offer

    If it’s a fit, you get one clear summary: the loan amount, the term, your weekly repayment and the total to repay.

What you can expect from Poppy

Short-term business loans for Australian and New Zealand businesses, explained in plain English.

  • The full cost up front. Before you sign, you get one summary with the loan amount, your weekly repayment and the total you’ll repay, including all fees.
  • Fixed weekly repayments. The same amount every week, so you always know what’s going out.
  • Straight answers. If it isn’t a fit, we’ll tell you plainly.
  • Australia and New Zealand. We fund registered businesses in both.

Questions about your score

What is the Funding Readiness Score?

A guide to how ready your business looks for funding, based on six quick answers about how you trade. It isn’t an offer, approval or commitment to lend, and funding is always subject to eligibility and assessment.

Will getting my score affect my credit score?

Getting your score 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.

Why do you ask for my phone number and ABN or NZBN?

So our team can follow up with you about your business, and so you can see your full breakdown. Our Privacy Policy explains how we handle your information.

What happens after I get my score?

When you’re ready, you can check your eligibility with our short form. A member of our team may also contact you by phone, email or SMS to talk through your options. You’re under no obligation to go ahead.

How much does it cost?

The cost depends on your business, the loan amount and the term. Before you sign, you get a summary showing the loan amount, your weekly repayment and the total you’ll repay, including all fees.

How long does it take?

Your score takes about 2 minutes. Our eligibility form takes about 3 more. Once we have your bank data, we aim to give you an answer quickly. Funds are paid after you sign your agreement.

Do you fund businesses in New Zealand?

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

Ready to see where you stand?

Get your score in about 2 minutes. It’s free, and it doesn’t involve a credit check.

Get my score