How Loura works
From your first message to disbursement — nine clear stages
You always know where your case is, what we need from you, and who makes each decision. Loura advises and coordinates; the financing provider decides.
Each stage, step by step
- 01
Tell Us What You Need
Handled by: You
Share what the financing is for and roughly how much — through Ask Loura, the eligibility check, a call-back request or WhatsApp. Name and mobile are enough to start.
What we need: Name, mobile, a sentence on what you need.
- 02
Understand Your Profile
Handled by: Loura consultant
A consultant calls to understand the business or personal position: how long you have operated, income or revenue pattern, existing commitments and timing.
What we need: A 10–15 minute conversation.
- 03
Review Your Financing Position
Handled by: Loura consultant
We read the documents that actually decide outcomes — bank statements, NOA, financial statements, credit reports and loan statements — and note strengths and concerns honestly.
What we need: The documents on your checklist.
- 04
Identify Suitable Financing Routes
Handled by: Loura consultant
Your position is compared against documented financing-provider criteria. We explain which routes look realistic, which don't, and why — including when the right answer is to wait.
What we need: Your decision on which route to explore.
- 05
Prepare the Application
Handled by: Loura + you
We organise the file so a credit officer can read it clearly: complete documents, consistent figures and a short explanation of purpose and repayment.
What we need: Any missing or updated documents.
- 06
Submit / Coordinate
Handled by: Loura, on your written instruction
Nothing is sent to any provider without your written instruction. Once given, we coordinate the submission and every follow-up question.
What we need: Written instruction to proceed.
- 07
Financing Provider Review
Handled by: Financing provider
The provider runs its own credit assessment. They may ask for clarification or additional documents; we relay and help you respond quickly.
What we need: Prompt replies to any provider questions.
- 08
Approval / Outcome
Handled by: Financing provider
The provider decides — Loura never approves or rejects. If an offer is made, we walk through the rate, fees, tenure and conditions before you accept. If declined, we review why.
What we need: Your decision on any offer.
- 09
Disbursement
Handled by: Financing provider
After documentation is signed, the provider releases the funds. We stay available for questions through drawdown and the first repayments.
What we need: Signed facility documents.
Timelines vary by provider and case. Want the detail of how we assess a file? See How We Work.
Talk through your financing position
A Loura consultant will review your position and tell you plainly what is realistic before anything is submitted anywhere.