One simple application, a real answer in hours, and money in your account in as little as 24 hours.
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A clear path from application to funds, no jargon, no weeks of waiting.
Your ABN, ID and the last 6 months of business bank statements. That's it.
We look at the health of your business, not just a credit score. An offer can come back in as little as 3 hours.
Happy with the offer? Money lands fast, with repayments built around your cash flow.
Our funding partner looks beyond the credit score to the real story of your business. A knock-back from the bank isn't the end of the road.
No obligation and no credit-score hit to ask.
Smooth the quiet weeks and cover gaps between invoices.
Buy or upgrade the gear that keeps work moving.
Load up ahead of a busy season or a big order.
Bring on people and make payroll with confidence.
Renovate, open a second site or take more space.
Clear an ATO bill or get on top of a deadline.
"Two banks said no in a week. Zupo had an offer by the afternoon and the money was in by the next morning."
"I'd had a default years back and assumed I had no chance. They actually looked at how the business is going now."
"No jargon, no runaround. Someone called me back and we had stock ordered before the weekend rush."
Don't tick every box? It's still worth a quick, no-obligation conversation.
Apply nowNo, Zupo is a finance broker and intermediary. We connect Australian small businesses to an open-minded funding partner who provides the funding, and we guide you through the whole process.
Often, yes. Our funding partner looks beyond your credit score to how your business is actually trading. Past defaults, ATO debt, a previous bankruptcy or a bank knock-back don't automatically rule you out, it's still worth a conversation.
Funding ranges from $5,000 to $5 million. The amount you're offered depends on your business, things like turnover, trading history and how the funds will be used.
The application takes about 3 minutes. An indicative offer can come back in as little as 3 hours, and once you're approved, funds can be in your account in as little as 24 hours.
No. There's no upfront credit check to get an indicative offer, so asking the question won't leave a mark on your credit file. A check only happens later, with your consent, if you choose to proceed.
An active ABN or ACN, around 6+ months of trading history, roughly $10K+ in monthly turnover, your ID, and the last 6 months of business bank statements. No business plans or financial projections.
Any legitimate business purpose, cash flow, equipment, stock, hiring and payroll, a fit-out or expansion, an ATO bill, marketing, or bridging finance while you wait on a payment.
Once you're approved, your funding lands in your business account in as little as 24 hours, often the same day. No drawn-out waiting.
Apply now