Frequently Asked Questions

You could receive approval and funding in as little as 24 hours, depending on the lender and product. Our streamlined process ensures fast decisions and minimal paperwork.

We’ve helped over 20,000 businesses access more than $2.5 billion in funding. With over 3000 5-star reviews and access to 200+ loan products, we offer unmatched support, speed, and personalised guidance for small business financing.

At Valiant Finance, we specialise in connecting small businesses with the right funding solutions. Whether you need to cover cash flow, purchase equipment, or expand operations, we help you access tailored small business financing from over 85 trusted lenders.

Typically, you'll need the following documents:

• Proof of identity (driver’s license, passport)
• ABN details
• Recent bank statements (6-12 months)
• Tax returns or financial statements

Some lenders may require additional documentation, depending on the loan amount and type.

Valiant works with over 85 bank and non-bank lenders. Since we don't exclusively represent a single lender, we're able to offer a wider range of loan products from our partners and find our customers a tailored solution and competitive rate. We currently offer:

• Invoice finance – Leverage unpaid invoices by passing debt onto your lender.
• Business line of credit – A line of credit is an amount of money your business can withdraw at any time, similar in some ways to an overdraft, but it is not attached to a bank account.
• Equipment finance – Allows a business to purchase equipment or vehicles to increase output, produce better products, increase its bottom line, or propel it ahead of the curve.
• Unsecured business loans – Loans—usually short-term—that do not require any collateral or security.
• Secured term loans – Loans that require an asset on the part of the lender as a guarantee.
• Lease agreement – An asset lease agreement that lets your business use equipment, vehicles, or machinery without buying it upfront.
• Business car loan – A way to purchase a vehicle for your business while spreading the cost out over time.
• Trade finance - A loan that helps businesses cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest.

Since repayments are based on a percentage of sales, you'll pay more when sales are high and less during slower periods, providing cashflow flexibility.

Repayments are a fixed percentage of your daily card sales, ensuring they align with your business's revenue

Once approved, funds are typically disbursed within 24 hours.

An MCA provides a lump sum payment to your business in exchange for a percentage of future sales. Repayments are usually made automatically through your daily EFTPOS or credit card transactions.

Yes. Trade finance isn't exclusive to international transactions—you can also use it for local purchases.