Partner questions - answered


"What's the process," "Who can apply for a Bigstone loan," and "What are the fees," are questions our current partners have asked so we've pulled them all together. You can find the answers to these questions, and others, here.  

About the loans

Who can apply for a Bigstone loan?

Bigstone lends to Australian businesses, that have been trading for at least two years, to buy new assets. Bigstone does not lend to individuals, or for consumer purposes.

How do you estimate the cost?

The cost is based on the product selected, the business, the asset and loan size. The first step in the application process is an estimator tool that will give you a good indication of your client's final pricing.<

What fees does Bigstone charge?

No upfront fees, no direct debit fees, no hidden fees!

Head over to our application page and get pricing on the spot. Know what amount your client will need to pay on a weekly basis.

How are fees paid?

In the large majority of cases borrowers wish to capitalise fees on top of the loan amount. However, these can be paid upfront if that is preferred.

How and when are repayments made?

Repayments are made weekly, in advance, via direct debit.

What do you take as security?

Generally, Bigstone will take security over the asset and for bigger loan amounts, a General Security Agreement over the company.

We also require that company directors provide a personal guarantee that the company will repay the loan. We have a rule that if the directors won’t back themselves, neither will Bigstone.

How are loans assessed?

Our applications are assessed using our rigorous proprietary risk assessment process using cutting-edge technology. This allows us to be lighting fast and accurate.

Ultimately, we’re looking to determine if your clients are good borrowers buying good quality assets.

Loan purposes

What purposes will you lend for?

Asset and equipment finance! We help businesses get accessible, fast finance for new assets to help fuel growth.

About the process

How do I become a Bigstone partner?

Complete our partner agreement and get started referring. If you'd like to have a chart with one of our partner specialists, you can book a time to chat.

What's the loan application the process?

Our loan application is 100% online, saving you and your client valuable time. To get started, simply:

  • Tell us how much your client needs to borrow and what they are borrowing for
  • Get on the spot pricing - if you like what you see you can continue with the application
  • Provide any necessary documents
  • Complete ID and credit verification
  • As long as there are no delays in the steps above, your client will receive funds within 24 hours

How do I refer a loan?

Dive straight into the application or book a time to chat with one of our dedicated partner specialists.

How long does it take?

We’ve designed our application process to be as quick and easy as possible.

  • Upfront cost on the spot
  • Apply in less than 20 minutes
  • Approval in less than an hour (<$100k).
  • Funding in 24 hours.

What information do I have to provide?

  • $5k - $100k: Online application and invoice
  • Over $100k: Online application, invoice, bank statements (1-click), financials

How are documents executed?

The majority of our documents are executed online, with a small portion needing to be printed and signed.

When are funds disbursed?

Your client will have their money within 24 hours from approval.

When are credit scores impacted?

Credit checks are performed on submission of the full application. Speak to one of our partner specialists if this is a concern.

What documents need to be executed?

Once a loan is approved, the customer will need to execute a number of documents via our online process. The documents will arrive via two separate emails.


Docusign will email a link to execute:


  • loan contract
  • General Security Agreement
  • Directors guarantee's
  • there may be additional documents required depending on the circumstances.


Bigstone will email a link to execute:

  • direct debit authority
  • minutes of company meeting declaration.

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