About Lodge Application

Who is this for?

Owners who are about to ask for business finance, or who just got stuck: sole traders, companies, trusts and partnerships, with or without property to offer. If you have ever sent a pile of documents and then spent a week answering questions about them, you are who we had in mind.

Why does this site exist?

Because most applications that stall are not weak businesses. They are files that answered the wrong question, mismatched a name, buried the point or left an oddity unexplained. Those problems are cheap to fix before lodging and slow to fix afterwards. So we wrote down the assessor's side of the desk: what gets opened first, what gets circled and what gets sent back.

Every page on this site is built around one idea: a lender reads a file as a short argument, and you can check the argument before anyone else does. The document packs tell you what to gather, the lender's-eye pages tell you how it will be read, the fix-first pages deal with the common problems and the after-you-lodge pages take you from the first call to settlement.

What do we promise?

• No credit check at the first step. The enquiry takes about a minute and does not touch your credit file. A credit check only comes up later, with your agreement.
• No spray and pray. Your details are not sent out to a crowd of lenders. They go to people who will work on your file.
• One real person. A lending specialist reads what you submit and phones you.
• Accurate answers, both ways. We ask you to fill the form in accurately so we can match you properly the first time, and we write our pages the same way: sourced from official Australian bodies and updated when they change.

How does it work in practice?

Read what helps. Use the readiness check and the document pack builder if you like. When you are ready, send the enquiry. Depending on what you tell us, it goes to the secured side (property-backed business loans from $20,000 to $5,000,000) or the unsecured side (cash-flow options for trading businesses, typically from $5,000 to $500,000). Business purposes only.

The guides and pages here are general information, written for business owners. They are not personal advice, and they do not replace your accountant or solicitor. Where a page mentions a threshold, date or process, it links to the official source so you can check it yourself.

Who runs it?

Lodge Application is operated by Techgen LLC Pty Ltd (ACN 696 942 391), trading as Lodge Application. Editorial content is written and reviewed by the Lodge Application editorial team. To reach us, use the contact page.