Tools · Scorecard
How strong is your
application — really?
Twelve questions. Two minutes. We score the same factors lenders actually weight before you spend hours on an application that stalls.
How long has your business held an active ABN?
Are you registered for GST?
Years of operating experience in your trade (regardless of business age)?
What is the asset condition?
Asset age at application (used assets)?
Are you putting up a deposit?
Recent business cash-flow position?
Personal & business credit history?
Can you point to specific revenue this asset will earn?
Is this replacing existing equipment?
How current are your financials (BAS, P&L, tax returns)?
How quickly do you need approval?
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Answer all 12 questions for your readiness band.
Indicative only. Actual decisions depend on lender, structure, and the conversation.