Use this instant decision tool before you accept any business loan offer.
Instant Business Loan Offer Check
Avoid poor-fit loan structures before you commit.
Designed to help you avoid one of the biggest mistakes I see in the market, choosing the wrong loan structure under pressure.
Just answer the 12 questions below, add up your points, and jump to the outcome that best matches your situation.
What you will get
A likely path to check first
Safer next steps before you sign anything
Already have a quote or offer? Use this before you accept anything.
100% free · No credit score impact · No obligation
Why this page exists
Many business owners do not make a bad decision because they are careless.
They make a bad decision because they are under pressure.
They may be:
short on time
comparing offers quickly
focused on getting approved
trying to fix cash flow urgently
The problem is that approval is not always the same as fit.
A loan can be approved and still be the wrong structure for your business.
This page helps you slow down for two minutes and check the likely path before you commit.
The biggest mistakes I see business owners make
I see this often, and it is frustrating because many of these situations could have been avoided with a better structure check upfront.
1) Choosing speed over structure
Fast money can be useful, but if the structure is wrong, repayments can become a problem very quickly. In some cases, a better structure can still be funded quickly.
2) Focusing only on getting approved
Getting approved feels like progress, but the real question is whether the repayments and term fit your cash flow. A better starting point is a structure where the repayments still feel manageable in a slower week, not just a strong week.
3) Taking a short-term option when a better structure may have been available
Shorter-term facilities can have a place, but they should usually be handled carefully and used for a clear reason. Before accepting a shorter-term option, it is often worth checking whether a longer-term structure with lower repayments and better flexibility may be available.
4) Applying multiple times in a short period
Too many applications can make the situation harder, not easier. This often starts with repeated direct applications and declines, then turns into pressure to accept the first offer available. Different lenders and structures can suit very different situations, which is why the first offer is not always the best fit.
5) Accepting an offer before pressure-testing a quieter week
A repayment can look fine in a strong week and feel very different in a slower one.
If this sounds familiar, you are not alone. This page is built to help you make a clearer next decision.
If you want a second opinion after using this page, I can help you review the structure you are considering and pressure-test whether it fits before you commit.
How to use this page
For each question, choose the option that best matches your current situation.
Lower impact / lower risk = 1 point
Medium impact / mixed = 2 points
Higher impact / higher risk = 3 points
Then:
Add up your total score
Check your score range
Jump to your likely path below
If your answers are mixed, start with the more cautious path first. It usually leads to a safer decision.
Instant decision tool (12-question self-check)
Block 1. Director and credit conduct
1) Repayment conduct in the last 12 months
1 point - No missed repayments
2 points - A small number of missed repayments, now up to date
3 points - Multiple missed repayments or ongoing arrears
2) Defaults (personal or business)
1 point - No defaults
2 points - Paid defaults only
3 points - Any unpaid defaults
3) Recent finance applications or credit enquiries
1 point - Little to none
2 points - Some recent activity
3 points - High recent activity or multiple applications
4) Overall credit profile (rough self-view)
1 point - Generally clean and stable
2 points - Mixed or unsure
3 points - Known issues affecting applications
Block 2. Existing debt and structure
5) Number of current unsecured business loans
1 point - None
2 points - 1 to 2
3 points - 3 or more
6) Current short-term business loans (shorter-term facilities)
1 point - None
2 points - One shorter-term facility
3 points - More than one shorter-term facility
7) Repayment pressure from current debts
1 point - Comfortable
2 points - Sometimes tight
3 points - Regularly tight or hard to manage
8) Main reason you need funding now
1 point - Growth or opportunity
2 points - Mix of growth and pressure
3 points - Mainly to relieve debt pressure or urgent cash strain
Block 3. Business profile and fit
9) Time trading in your current business
1 point - More than 2 years
2 points - 1 to 2 years
3 points - Under 12 months
10) Cash flow consistency
1 point - Generally consistent
2 points - Some ups and downs
3 points - Very uneven or hard to predict
11) What matters more right now?
1 point - Ongoing flexibility and access to funds when needed
2 points - Either flexibility or a lump sum could work
3 points - One-off urgent lump sum is the main priority
12) Time pressure
1 point - I can compare options properly before deciding
2 points - I need a decision soon
3 points - I need funds urgently and may take the first option
Add your score
Minimum score = 12
Maximum score = 36
This is a self-check, not a lender decision. If your situation is mixed, choose the more cautious path first.
Your likely path (score guide)
12 to 16 points → A line of credit facility may be worth exploring before taking a term loan
17 to 23 points → A more competitive longer-term business loan option may be available, with lower repayments and flexibility worth checking first
24 to 29 points → A shorter-term option may be the realistic path right now, so structure matters more than speed
30 to 36 points → You need a careful broker-led solution for a more complex situation
Important
If you have unpaid defaults, multiple recent applications, or multiple shorter-term loans, use the more cautious path first even if your score is lower.
Outcome 1. You need a careful broker-led solution for a more complex situation
Well done for checking this before committing.
Based on your score and the way these situations usually show up, this looks like a case where choosing the wrong option could make things harder, not easier.
That does not automatically mean there are no options.
It usually means the next step should be careful, responsible, and tailored to what is actually going on, especially if there is existing repayment pressure, multiple facilities, recent application activity, or other complexity.
What this usually means
Structure matters more than speed
The wrong application order can reduce your options
A responsible plan is more important than chasing the first approval
Biggest mistake to avoid here
Taking a fast option just because it is available, without checking whether it improves the situation or adds more pressure.
Best next step
Use Get a Quick Answer and I will help you work through the safest path first and avoid poor-fit applications.
100% free · No credit score impact · No obligation
Outcome 2. A shorter-term option may be the realistic path right now, so structure matters more than speed
Well done for checking this before committing.
Based on your score, funding may still be possible, but a shorter-term structure may be the more realistic path at this stage.
This is exactly where many business owners make expensive decisions under pressure.
A shorter-term option can be useful in the right situation, but it should usually be handled carefully, with a clear purpose and a repayment plan that still feels manageable if trading slows down.
What this usually means
You may still have options
Repayment fit matters more than just getting approved
The safest structure is not always the fastest one
Biggest mistake to avoid here
Accepting a shorter-term facility without pressure-testing the repayments against a quieter week or existing debt commitments.
What to check before you commit
Does the repayment schedule still feel manageable in a slower period?
Are you solving the real problem, or just delaying it?
Is there a safer structure worth checking first?
Best next step
Use Get a Quick Answer so I can help you pressure-test the structure before you commit to anything.
100% free · No credit score impact · No obligation
Outcome 3. A more competitive longer-term business loan option may be available, with lower repayments and flexibility worth checking first
Well done for checking this before committing.
Based on your score, your profile looks stronger on a high-level view, and a more competitive longer-term business loan structure may be worth checking before you lock in a shorter-term option.
For many business owners, this can mean:
lower repayments
more breathing room
a structure that better matches how cash flow actually moves
In some cases, there may also be flexibility features worth checking before deciding, including early payout conditions on certain options.
What this usually means
You may have stronger options than the first offer you see
Comparing structure first can save pressure later
Fit still matters, even when the profile is stronger
Biggest mistake to avoid here
Taking the first approved option without checking whether a longer-term structure could reduce repayment pressure and improve flexibility.
Best next step
Use Get a Quick Answer and I can help you narrow the right structure first before you apply or accept an offer.
100% free · No credit score impact · No obligation
Outcome 4. A line of credit facility may be worth exploring before taking a term loan
Well done for checking this before committing.
Based on your score, a line of credit facility may be worth exploring before committing to a standard term loan.
For the right business, this can be a cleaner option when flexibility matters and you want access to funds as needed rather than locking everything into one fixed loan upfront.
This is often worth checking early, especially when the profile is relatively clean and there is time to compare options properly.
What this usually means
Flexibility may matter more than a one-off lump sum
A revolving facility may be worth comparing before a term loan
Choosing the right structure early can prevent unnecessary repayment pressure later
Biggest mistake to avoid here
Taking a term loan by default without first checking whether a line of credit is a better fit for how your cash flow works.
Best next step
Use Get a Quick Answer and I can help you check whether a line of credit is worth exploring before you apply elsewhere.
100% free · No credit score impact · No obligation
Person behind CASEY
I built this page because I have seen too many business owners make a decision under pressure, get approved quickly, and only later realise the structure was a poor fit.
The goal here is simple.
Help you make a clearer decision before you commit.
If you use the tool and want a second set of eyes on your situation, I am happy to help.
Michael Pajar
Director, CASEY Asset Finance
Final reminder before you commit to any offer
Getting approved is not the finish line.
The better question is whether the structure fits your business, your cash flow, and what the money needs to do.
If you want a quick, practical second opinion before you proceed, use the button below.
100% free · No credit score impact · No obligation
If you already have a quote or offer, this is the fastest way to get a practical second opinion before you commit.
Ready for a quick answer?
If you want a practical second opinion, you can send your details below and I will let you know the best next step to check first.
No lender submission unless you say yes. Not an application.
100% free · No lender submission unless you say yes · Not an application · Just a quick answer
FAQs
Is this an application?
No. This is a quick self-check designed to help you identify the loan path that may be worth checking first before you apply.
Will this affect my credit score?
Using this page does not affect your credit score. If you ask us to move forward after your quick check, we will explain any next steps clearly before anything is submitted to a lender.
What do you usually need from me to give a useful quick answer?
Typically a completed privacy form, 6 months business bank statements, and driver licence for ID.
What if I do not meet the minimum requirements?
Still enquire. If it is not a fit, we will tell you quickly and explain what would need to change or what else may suit better.
Important disclaimer
This instant business loan offer check is general information only and provides an indicative outcome based on your self-assessment. It is not a credit assessment, not personal advice, and not a guarantee of eligibility, approval, pricing, or term.
No application is submitted and no credit enquiry is performed by using this page.