Section D · Lodged
After you lodge
What happens in the first 24 hours, how to answer assessor questions, what conditional approval means and what settlement steps look like for property security.
How to use this section
Lodging is the start of a sequence, not the end. These pages cover the first day, the stages that follow, how to answer questions, what conditions mean and what settlement looks like when property is the security.
The aim is to remove surprises. Most delays after lodging come from paperwork, timing and silence, all of which are in the owner's hands.
The first 24 hours
What happens in the first day after you lodge a business loan enquiry: who reads it, the first call, what to have on hand and what not to change.
Open the page → D 02Stages and timelines
The stages a business loan application passes through, from enquiry to funds, what drives the time at each stage and what you can do to avoid delays.
Open the page → D 03Answering assessor questions
How to answer questions from a lender on your business loan application: a simple method, wording examples and what to do when you don't know the answer.
Open the page → D 04Conditional approval
What conditional approval means on a business loan, the typical conditions, how to clear each one quickly and what to check before you accept an offer.
Open the page → D 05Settlement steps
The settlement steps on a property-secured business loan: offer, searches, signing, registration and funds release, with who does what and what to prepare.
Open the page → D 06What stalls a file
Ten common reasons a business loan application stalls, from missing pages to unanswered emails and new debt, with a quick fix for each one.
Open the page →Quick answers
What happens straight after I lodge?
A lending specialist reads your answers and phones you to talk through your situation. There is no credit check at the first enquiry stage.
What should I avoid while my file is open?
Opening new credit, moving large sums around, and changing business details without telling the specialist. Each makes a clean file untidy.
Can anyone promise how long it will take?
Not honestly without seeing your file. Timing depends on how complete the pack is, how fast replies come and, for property security, the legal and registry steps.
Ready to lodge? Start with a free enquiry
Tell us the amount, the purpose and the state you trade in. It takes about a minute, leaves your credit file alone, and goes to a person who will read it properly.
No credit check at the first step
No spray and pray
One real person