Your bankis stilltyping
We don't keep you waiting. Answer four short steps and see which funding may fit. No credit enquiry.
Business funding, fully online.
$10K–$500KNo credit enquiryBroad lender panel
Meanwhile, in your inbox
Waiting is the expensive part.
Most of the time spent chasing business funding isn't the application. It's the back-and-forth before it.
Bank: Thanks for your enquiry. A lending specialist will be in touch.
Bank: Please book a branch appointment to discuss further.
Bank: Could you resend last year's financials? In PDF this time.
Tennanova: Four short steps online. See which funding structures may fit the business.
Tennanova: No documents and no credit enquiry to check. Apply only when you're ready.
Bank is typing
How it works
Three steps.Zero hold music.
Check what may fit, compare the structures, then apply only when you're ready.
- 01
Check
Four short sections about the business. No bank statements, no credit enquiry.
Start the Funding Check - 02
Compare
A plain summary of the funding structures worth exploring, based on your answers.
- 03
Apply
Ready to go further? Apply through our secure portal. Documents are only requested there.
Apply
Not every application results in an offer. Whether options are available depends on assessment and lender criteria.
Funding types
Start with what the business actually needs.
The purpose of the funds shapes which structures are worth considering.
General information only. Availability depends on lender assessment and eligibility.
Compare funding types
- 01Working capitalCash flow support, stock, suppliers and general business expenditure.
- 02Line of creditA reusable facility for businesses that want ongoing access rather than one lump sum.
- 03Business loanA fixed funding amount with structured repayments.
- 04RefinanceReview existing short-term or expensive facilities where another structure may be available.
- 05ATO / tax obligationsFunding structures that may assist where tax obligations are affecting business cash flow.
- 06Secured fundingLarger or longer-term options may be available where suitable security exists.
The lender panel
One check.A broad panel behind it.
From fast unsecured lenders to specialist and secured funders, the panel spans the Australian business lending market. Each reads the same numbers differently, so the check narrows the field before anyone applies.
About the lender panelFast & unsecured
Speed-first lenders
Working capital and revolving limits, assessed mainly on turnover, bank statements and time trading.
Specialist
Specialist lenders
ATO debt, refinancing and the files mainstream lenders tend to pass on.
Secured & asset
Secured lenders
Larger facilities backed by property, equipment or receivables, often over longer terms.
Every lender weighs these differently:
- Turnover
- Time trading
- Credit history
- ATO position
- Existing debt
- Industry
- Security
- Purpose
Who it's for
Made for businessesalready trading.
Cafés, retailers, workshops and makers. Industry is one of the things lenders weigh differently, alongside turnover and time trading.
01Retail
02Food & hospitality
03Trades & automotive
04Makers & manufacturing
Behind Tennanova
Built from real business funding work.
Tennanova is a business funding comparison service for Australian SMBs, built by commercial finance brokers who work directly with Australian businesses seeking funding.
It exists to make the stage before an application clearer: understanding the requirement, narrowing the relevant facility types and avoiding unnecessary applications where possible.
See how it worksAnswers
Before you check
What is Tennanova?
Tennanova is a business funding comparison service for Australian small and medium-sized businesses (SMBs). Its Funding Check shows which funding structures, such as working capital, a line of credit, a business loan or a refinance, may be worth exploring before a business applies. Tennanova is not a lender and does not provide credit.
Does Tennanova provide business loans?
No. Tennanova does not provide credit. It helps businesses understand potential commercial funding pathways before they apply.
Will checking my options affect my credit score?
The Tennanova Funding Check does not involve a credit enquiry. It does not ask for the personal details a credit check requires, and nothing is sent to a credit reporting body. If you choose to go further with a formal application, lenders may carry out credit checks as part of their assessment. This is explained before you commit.
Am I guaranteed funding?
No. Funding is subject to lender assessment, eligibility and applicable criteria. The Funding Check summary is general information based on your answers, not an approval or an offer.
Why do different lenders offer different amounts?
Each lender has its own credit appetite: the industries, trading histories and risk it is set up to fund. Lenders also size facilities differently against turnover, time trading, existing commitments, security and repayment conduct. The same business can see different outcomes from different lenders, or none.
What happens after the Funding Check?
You see an indicative guide to the amount, term and pricing businesses like yours are commonly considered for, plus the funding structures that may be worth exploring, all based on what you told us. It is not an offer. If you want to take it further, you can apply through our secure portal, where the formal application and supporting documents are handled, and your details are carried across so you don't retype them. We may also contact you using the details you provided.
Do I need to upload bank statements?
Not during the Funding Check. If you choose to apply, supporting financial documents such as business bank statements may be requested through the secure portal.
Who is behind Tennanova?
Tennanova is built by commercial finance brokers who work with Australian businesses and a panel of lenders.
How much funding can I seek?
We generally work with requests of $10,000–$500,000. The amount available to a particular business depends on lender assessment, turnover, trading history, security and other criteria.
Funding Check
Don't wait for the dots.
Four short steps, no documents and no credit enquiry. See which funding structures may fit, then decide whether to go further.