Help Centre
Frequently Asked Questions
Everything you need to know about business finance with Shielded Finance.
How much can I borrow?
We offer business finance solutions from $20,000 up to $2,000,000. The exact amount available to your business will depend on factors including your revenue, time in business, and the type of finance you need.
What are the eligibility requirements?
To be eligible, your business should be registered in Australia, have been operating for at least 6 months, and have a minimum monthly revenue. Individual eligibility criteria may vary depending on the product and lender. Contact us to discuss your specific situation.
How long does approval take?
In many cases, we can provide a decision within 24–48 business hours of receiving your completed application and supporting documents. Some products may take longer depending on the complexity of the application.
Is my information secure?
Yes. We use bank-level 256-bit SSL encryption to protect all data transmitted through our website and systems. We comply with the Australian Privacy Act 1988 and handle your information in accordance with the Australian Privacy Principles.
What fees are involved?
Fees vary depending on the product, lender, and your business profile. We are committed to full transparency, all fees will be clearly disclosed before you commit to any product. There are no hidden fees.
Do I need collateral?
Not necessarily. We offer both secured and unsecured finance options. Unsecured loans may be available for qualifying businesses without the need for collateral. Secured options may offer higher limits or better rates.
What documents do I need?
Typically, you will need recent business bank statements (3–6 months), proof of identity, an ABN, and basic business information. Some products may require additional documentation such as financial statements or tax returns.
Can I apply if I have bad credit?
We work with a wide range of lenders and may be able to assist businesses with imperfect credit histories. Each application is assessed on its individual merits. We encourage you to apply and speak with our team about your options.
How do I repay the loan?
Repayment structures vary by product and may include daily, weekly, or monthly payments. Some products offer flexible repayment schedules aligned with your business cash flow. Full repayment terms are disclosed before you sign anything.
What is a credit broker?
Shielded Finance acts as a credit intermediary (broker), meaning we connect you with a panel of lenders to find the right finance solution for your needs. We do not lend money directly, we match you with suitable lenders and assist you through the application process.
Still have questions?
Speak directly with one of our finance specialists — no obligation, no pressure.