How It Works
Empire Lending simplifies the process of finding the right business loan by matching you with lenders that fit your needs.
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Sign up to EmpireOne
Fill out the sign-up form to become an EmpireOne member
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Speak to our EmpireOne Concierge
Talk to our concierge to discuss Empire Lending and connect with the best lender for your business needs.
Why Choose Empire Lending
We've partnered with leading lenders to provide EmpireOne members with access to quality business funding options
Multiple Lending Partners
Access various lending options tailored to different business needs and credit profiles
Fast Approval
Get pre-approved in minutes and receive funding as quickly as within 24 hours
Secure Process
Your data is encrypted and protected throughout the entire application process
How Can We Help?
Find answers to commonly asked questions about Empire Lending, or contact our support team for further assistance.
Empire Lending is an exclusive referral service for EmpireOne members. We are not a lender. We connect businesses with licensed credit providers for their funding needs. We take the hassle out of the loan search by matching you with tailored lending solutions from our panel of licensed lending partners based on your business profile and goals. Empire Lending does not provide credit, make lending decisions, or guarantee loan approvals.
The lending decision is made entirely by the licensed credit provider, not by Empire Lending. Each credit provider has their own lending criteria and responsible lending obligations under Australian law.
Empire Lending is available exclusively to EmpireOne members. If you're not yet a member, you'll need to join EmpireOne to access our lending marketplace and take advantage of our exclusive loan options.
There is no fee to use Empire Lending. Our service is provided as a benefit to EmpireOne members. You'll only pay fees or interest associated with the loans you choose to accept from our lending partners. Empire Lending receives a small commission from our lending partners when you successfully obtain a loan through our referral service. This commission does not affect the interest rate or terms you receive and is paid by the lender, not by you.
To begin, log into your EmpireOne account and book a call with our concierge, who will be able to assist with your lending needs.
Empire Lending operates under the referral exemption provisions of the National Consumer Credit Protection Act 2009. Our lending partners are all licensed credit providers who are responsible for responsible lending assessments and loan decisions.
The initial call with the EmpireOne concierge will take approximately 20 minutes. Once completed, your details will be passed to a licensed credit provider best suited to your needs. The credit provider will contact you directly to conduct their own assessment and make all lending decisions. The time to complete a full application and receive funding varies by lender, ranging from 24 hours to several weeks depending on the loan type and complexity.
You'll need basic information about your business (name, industry, years in operation, annual revenue), details about the loan you're seeking (amount, purpose, timeframe), and some financial information (credit score range, existing loans). Some lenders may require additional documentation during the final application stage. Please note: you are under no obligation to accept any loan offer, even if approved by one of our lending partners. stage.
Completing the initial call will not affect your credit score. A credit check will only be performed when you choose to proceed with a formal application to a specific lender, and you'll be informed before any credit checks are conducted.
Yes, our concierge will save all the information you provide in your profile and you can decide to complete it at any stage.
Empire Lending offers various types of business funding, including term loans, business lines of credit, SBA loans, equipment financing, invoice factoring, merchant cash advances, and commercial real estate loans. The options presented to you will depend on your business profile and needs.
Interest rates are determined by the lenders based on several factors, including your business's credit profile, time in business, annual revenue, loan amount, and term length. Our platform shows you pre-qualified rates based on the information you provide, but final rates may be subject to verification during the formal application process.
Loan amounts range from as little as $5,000 to over $5 million, depending on the lender, loan type, and your business's qualifications. Our questionnaire will help determine what loan amounts you may qualify for.
Funding times vary by loan type and lender. Some options, like merchant cash advances or certain short-term loans, can provide funding in as little as 24-48 hours. Traditional term loans or SBA loans typically take longer, from several days to several weeks to fund.
You can reach our support team through the contact form on this page, by emailing concierge@empireone.com.au, during business hours (Monday-Friday, 9am-5pm AEST).
For complaints about loan products or services, you should first contact the credit provider directly. If your complaint is not resolved, you can contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or 1800 931 678. For complaints about Empire Lending's referral service, contact us at concierge@empireone.com.au
Yes, we offer consultations with loan experts who can help you understand your options and choose the best one for your business needs. Speak to us first by booking a call through your EmpireOne account dashboard.
You can update your business information at any time by logging into your account and navigating to your profile settings. After updating your information, you may receive new loan matches based on your updated profile.