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Final documents required Action needed
1 of 5 complete
Driver's licence verification
Verified via document upload · matched against ABN holder
✓ Done
Sign loan agreement
Loan contract from your matched lender · ~2 minutes to read & e-sign
2 MIN
Direct debit authority
Confirms the account your weekly $1,715 repayment will debit from
1 MIN
Business address verification
Upload a recent utility bill, lease agreement or council rates notice (last 3 months)
UPLOAD
Beneficial ownership declaration
Confirms all individuals owning 25%+ of the business — regulatory requirement
3 MIN
⚡ Funds release automatically once all 5 documents are complete — usually within 60 seconds of your final signature. Most customers finish this in under 6 minutes.
Your indicative offer · application not yet submitted
—
Application not finished
Connect your bank statements and complete the form below to get a real offer.
Continue my application ↓
Estimated time once submitted
~ 4 hours
0 of 4 sections complete · Finish your application to get a real decision
Complete your application
4 quick sections · auto-saves as you go · funds settle within 4 hours of submission
In progress
Application progress 1 of 4
1
Bank statements
2
Current loans
3
Credit history
4
Use of funds
Step 1 of 4 · Bank statements

Connect your bank statements

Six months of business banking is the only thing left to lodge your application. Read-only secure connection · about 60 seconds.

Read-only · we cannot move money
ASIC-regulated · same connection your bank uses
We never see your login or password
Why we need this: Bank statements let us confirm your monthly revenue and verify everything you've told us. They're scanned by our matching engine to suggest the best-rate offer for your business. Once connected, you don't need to send anything else for income.
Step 2 · Current loans

Any existing business debt?

Tell us about any current loans, facilities or ATO debt — this helps your offer match the lender best suited to your full position. If you don't have any, just say no.

Refinancing options: if your current loans have higher repayments than your Axle Capital offer, you may be able to roll them in. Your specialist will flag this if it makes sense.
Step 3 · Credit history

Quick credit check.

Be honest — we work with lenders for every credit profile, including past defaults, bankruptcies and ATO debt. Saying yes doesn't disqualify you; it just routes you to the right lender.

Great: 700+ score, no issues · Good: 600–699, minor blips · Impaired: defaults, judgments, or bankruptcies on file.
Tell us about the decline(s)
Tell us about the default(s)
$
Tell us about the ATO debt
$

Lenders rate property-backed applicants more favourably — even if we're not securing against it.

Honesty pays off: our lender panel includes specialists for impaired credit, ATO debt and post-bankruptcy lending. Disclosing upfront means we match you with a lender who actually says yes — instead of a knock-back you didn't expect.
Step 4 · Use of funds

What's the money for?

This tells us what to optimise for — speed, term length, repayment frequency. Lenders weight applications differently based on use of funds.

Final step · Review & submit

Almost there — review and submit.

Quick check before we send your application to your matched lender. Edit anything that needs changing.

By submitting, you authorise us to share this information with the lender matched to your offer for the purpose of finalising your loan.
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Application submitted.

Your matched lender is reviewing your application now. Funds typically land in your account within 4 hours during business hours — we'll text you the moment they do.

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