Frequently asked questions

Explore a small business loan, merchant cash advance, business line of credit or Revy Scale. Revy Scale is for funding requests of $1 million and above. Start with the expense you need to cover and how long you expect to need the money.

A loan provides a lump sum and has an agreed repayment schedule. A line of credit lets a business draw as needed up to an agreed limit. Check how fees and interest are charged, including when the facility is unused.

A merchant cash advance is generally repaid from a share of future card sales. The advance agreement determines how much is collected, when collections happen, and what happens if sales fall.

Common uses include stock, supplier invoices, wages, equipment and expansion. The finance agreement sets out any restrictions on how you can use the money.

Choose Revy Scale for a request of $1 million or more. Prepare a breakdown of how you’ll use the funds and how the business expects to repay them.

Have your funding amount, what the money is for, your business name and a contact name ready. You can add your ABN if you have it handy. A Revy account gives you a place to find the request after submitting it.

The online request does not run a credit check. A later assessment may need further checks or documents. Revy will explain what is required before that stage.

Your request appears in your Revy account with a reference number. A request is the starting point for a review. Any financing offer and agreement come separately.

You can fill in the online request once you have the details above. The time needed to assess it depends on the request and whether more information is required.

You can describe what your business does and what you need funding for in the request. The trading history and documents a lender needs depend on the product and the assessment.

Use the contact form and include your request reference. Keep your sign-in password, recovery code and bank details out of the message.

Use the repayment calculator and enter the amount, term and an annual interest rate to compare scenarios. The figures are estimates for a fixed monthly schedule. An actual offer may have different fees, rates or repayment dates.

Check the amount you receive, total amount due, rates, fees, repayment dates and what happens if you repay early or miss a payment. Look for any security or guarantee requirements.

Read the early repayment terms in the offer. Some agreements apply fees or calculate the outstanding balance differently when you repay early.

It models a single loan paid monthly. Line-of-credit costs can depend on draws and balances. A merchant cash advance can collect against sales. Ask for the cost and repayment method for the product you choose.

Sign in to your Revy account to view your requests and references. Contact Revy with the reference if you have a question about a specific request.

Register interest from the startup credit card page. Revy can contact you about availability and the terms when they are confirmed.

You can register interest in Qantas Points on the rewards page. Check Qantas Business Rewards for its current participating partners and earning terms.