Frequently asked questions

1I wish to know more about loan eligibility, documents required and turnaround time
How quickly can you come back to me?

We work fast. You will typically hear from us within the next 24-48 hours (business days). Having all the information required in the application form completed will help us expedite our preliminary assessment and provides us the time to go through your application.

How fast can the funds be disbursed?

Typically, the funds will be ready to be disbursed within two to three business days after the loan is approved and all documentations are in place.

How much can I borrow? Is there a minimum loan amount?

We cater for large loan facilities depending on each individual cases. Our minimum loan amount is AUD$100,000, depending on the purpose of your loan.

Can I borrow on a personal, and not on a company, basis?

For commercial loans, we will assess applications from companies, whilst business-type loans i.e. company, sole trader and trust, will require further documentations to validate business ownership.

2I wish to know more about loan repayment and charges
What are the charges or fees involved?

There will be an establishment fee and any other related fees, which will depend on the type of loan applied for.

How do I make the repayment?

Repayments can be made in the form of direct debit, BPAY, bank transfer or cheque.

What happens if I miss a repayment?

We would advise that you abide by the repayment schedule and to reach out to us if you need further assistance. Generally, fees will apply if payments are missed. These fees and conditions are outlined in the loan document pack that you will receive prior to loan settlement. You will need to review and sign it if you are happy to proceed.

3I wish to know more about privacy and protection
How do you protect my privacy?

We safeguard and treat your personal information with the highest integrity. We are fully committed to ensure that your privacy is protected. Please view our Privacy Policy here.

Is it safe to link my business account to OSK Capital’s lending platform, and what are the security features provided?

Yes. Our lending platform maintains the highest industry-benchmarked encryption standards to protect your financial and sensitive data. We do not compromise on cybersecurity. Upon receiving your application, we will authenticate your bank account information online, and review the documents submitted as part of our preliminary assessment process using our secure internal servers.

How do I reach out to you if I have any concerns regarding the integrity of my account?

We have dedicated Account Managers to support you all the way to ensure a seamless loan experience. If you have any concerns, please feel free to reach out to them, write to us at, or call us at (+61) 03 9278 6888.

4I wish to know more about loan securitisation
Is asset security a pre-requisite for a loan with OSK Capital?

Asset security is generally required across all of our loan types. We look at multiple factors when assessing a loan, including the financial health of your business and credit worthiness.

If loan obligations are met as required under your contract, we may not require any additional asset security.

What are the factors considered in determining the assets required as security for a loan?

This would depend on your overall risk profile. A charge over assets may be required in scenarios that are deemed as higher risk, for business loans. For commercial loans, we will require realty security collateralised against the loan. Besides assessing the financial well-being of your business and the ideal amount of funds it will need in the coming months, we also gauge the business dynamics at that given period of time, as well as the industry in which you operate. This will give us an idea whether a business collateral is required for the loan.