How Quik Loans Works: Enquiry to Settlement

Quick lending isn't about skipping steps. It's about choosing a structure with light steps and having everything ready for each one. We agree the structure with you on the first call, then work through a short list together so nothing stalls.

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1. Send a short enquiry (about a minute)
What the money is for, how much, by when, whether there's property you could use and how you plan to repay. No credit check happens at this stage.
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2. One person calls you
Someone who knows private, specialist and unsecured lending reads your answers and rings to fill the gaps. You agree the structure that fits: caveat, second mortgage, private mortgage, bridging or unsecured.
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3. The lender checks the security
For property-backed loans, an electronic title search and a valuation, often a desktop one for standard homes. For unsecured loans, linked bank statements and ID.
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4. Offer, advice and signing
You get the offer in writing with every cost. Every owner on title and every director signs electronically, usually after a short call with a solicitor.
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5. Settlement
The caveat or mortgage is lodged and funds are paid, often straight to the ATO, a supplier or a vendor's solicitor. $20k to $250k is possible same day once the file is complete.

Choosing the structure

Short need with a dated exit and a home loan you want to keep? A caveat loan is usually quickest. Longer term? A second mortgage. Bank says not yet? A private mortgage. No property? An unsecured loan sized on turnover. The property equity checker gives you a first answer before you call.

What we don't do

We don't promise approval or a settlement date. Speeds are what's possible, not guaranteed.
We don't publish interest rates or "from" figures.
We don't pass your details around a panel of lenders.
We don't arrange personal loans. Everything is for business purposes.

Common questions

How quickly can it settle?

Same-day funding is possible for smaller unsecured amounts, $20k to $250k is possible same day with property, and up to $5m is possible within 24–48 hours, once the file is complete. Real files can take longer.

Does enquiring affect my credit file?

No. There's no credit check when you enquire. A check only happens if you decide to apply.

Will my details go to lots of lenders?

No. One person works on your enquiry and approaches the lender that suits it, after talking with you.

What slows property-backed loans down?

An owner who can't sign, something unexpected on the title, a property that needs a full inspection, and an exit that isn't clear yet.

Do I need a solicitor?

The lender's solicitor prepares the documents. Many lenders require you to get independent legal advice before signing, and it's wise to do so anyway.

Ready? Start your enquiry and answer as accurately as you can.

How it works