Difficult business loans, Australia-wide
Bank said no? That's where we start.
Bad credit, ATO debt, no cash flow, a farm in a dry year, a solar business growing faster than its bank balance, or a bank that simply said no. Difficult loans are what we do. Funding is possible in as little as 24 hours once approved.
- Bad credit considered
- Funding possible in 24 hours
- No credit check to enquire
No credit check to enquire
Telling us what's going on doesn't touch your credit file. A credit check only comes up once you've chosen to go ahead with a lender.
Not sprayed around
We don't fire your details at every lender in the country and hope one bites. Each file goes to the one or two lenders most likely to fund it.
A real person on your file
Someone who works on difficult loans every day reads your enquiry and calls you. Honest answers on the form mean the right lender first time.
Banks are great. Until they aren't.
If your bank said no, you're in the right place
We'll say it plainly: banks are great. If yours will fund you on good terms, take it. But banks lend to a narrow kind of file, and one crease is enough for a no. That's not a verdict on your business. It just means this loan needs a different lender.
- Declined for credit history, defaults or a past insolvency
- Tax debt, overdue BAS or a payment plan
- Under two years of trading, or a loss on the last return
- An industry the bank keeps at arm's length
- A deadline measured in days, not weeks
Start with the problem
What's making your loan difficult?
Pick the problem that sounds most like yours. Each page explains how alternative lenders look at it, what helps, and which loan structures tend to say yes.
Difficult loan matcher
Tick what's going on. See what could work.
Most difficult files have more than one problem. The matcher takes the mix, plus whether you own property and how fast you need the money, and shows which loan structures fit, what to have ready and how quickly it could move. It takes about a minute and doesn't touch your credit file.
Open the full matcher →Hard-to-fund industries
Industries banks find hard to fund
Some businesses get declined because of the box they sit in, not how they trade. These are the sectors we help most.
The alternatives
The loans that get difficult files funded
Property-secured business loans from $20,000 to $5,000,000 (first mortgages, second mortgages and caveat loans over residential or commercial property). Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
Business line of credit
A business line of credit gives you a limit to draw and repay as cash comes in. See how Australian lenders approve them, even with bad credit or lumpy income.
How it works →24-hour business loans
Need business funding fast? See how 24-hour business loans work in Australia, which files can fund that quickly, and how to get ready so nothing slows you down.
How it works →Caveat loans
Caveat loans give Australian businesses fast, short-term funding secured by a caveat on property. See how they work, what they cost and when they make sense.
How it works →Private second mortgages
A second mortgage business loan lets you borrow against property equity without touching your first mortgage. How private second mortgages work.
How it works →Private lenders
Private business lenders fund Australian businesses that banks decline, mostly against property. How private lending works, what it costs, how to choose.
How it works →Unsecured, bad credit
Unsecured business loans for Australian owners with bad credit and no property. How lenders read bank statements, realistic limits and how to apply.
How it works →Short-term and bridging
Short-term business loans and bridging finance cover timing gaps until a sale, refinance or payment lands. See how they work in Australia and when they fit.
How it works →Equipment finance
Equipment finance for Australian businesses with bad credit or short trading history: fund vehicles, machinery and tools, with the asset as security.
How it works →Invoice finance
Invoice finance advances cash against unpaid invoices so you're not waiting 30 to 60 days. See how it works for Australian businesses with difficult files.
How it works →How it works
From "everyone said no" to funded, in four steps
- Tell us the problem. A 60-second enquiry. Be honest about the credit, the tax, the declines. No credit check.
- A real person calls. Someone who handles difficult loans every day works out what's actually stopping the yes.
- One targeted application. Your file goes to the lender whose policy fits, not to a crowd.
- Funding. Possible in as little as 24 hours once approved for straightforward files, paid to you or straight to whoever needs paying.
24 hours
Funding is possible in as little as 24 hours once approved, when the file is straightforward and the documents are ready. Here's how to get ready.
Myths about difficult loans
Things owners believe that cost them a yes
Myth: Bad credit means no business loan.
Many alternative lenders care more about your bank statements, equity and story than your score.
Myth: If the bank said no, everyone will.
Banks run narrow policies. A no from the bank is often a sign you knocked on the wrong door.
Myth: Fast money is always a trap.
Fast funding from a reputable lender solves urgent problems. Compare the total cost in dollars and plan the refinance.
Myth: Applying everywhere improves your odds.
Each application can leave an enquiry. A cluster of them makes the next lender more nervous, not less.
Guides
Straight answers for difficult situations
What to Do When the Bank Says No to Your Business Loan
Your bank declined your business loan. Here's a calm, day-by-day plan for the first week: what to ask, what to gather and how to avoid making it worse.
Read the guide → How lending worksHow Alternative Lenders Assess a Difficult Business Loan
What alternative lenders actually look for when a business loan file has bad credit, tax debt or a past decline, and how to present yours so it gets a yes.
Read the guide → Farm financeFunding a Farm Through a Bad Season
Drought, flood or a price slump has hit the farm and the bank is cautious. Plan the next twelve months: cash, support, lender talks and short-term finance.
Read the guide → Industry cash flowThe Solar Installer Cash Flow Gap, Explained
Why growing solar and battery installers run short of cash, how certificate discounts and supplier terms create the gap, and how to fund it before it bites.
Read the guide → Choosing a lenderBanks vs Alternative Lenders: Which Do You Need?
Banks are great for clean, simple business loans. Alternative lenders win on speed, flexibility and difficult files. Here's how to tell which one you need.
Read the guide → Fast fundingGetting Ready for 24-Hour Business Funding
Fast business funding depends on a ready file. Use this checklist of documents, decisions and signatures so an urgent loan can fund in as little as 24 hours.
Read the guide →Questions owners ask us first
Can I get a business loan if my bank has said no?
Often, yes. Banks decline many good businesses because of a single policy issue, such as credit history, tax debt, a short trading history or an industry they avoid. Alternative and private lenders assess the whole file and fund many of the loans banks decline.
Do you help with bad credit business loans?
Yes. Bad credit, defaults, judgments and past insolvencies are considered case by case. Unsecured options suit trading businesses with steady deposits, and property-secured loans can look past serious credit damage.
How fast can I get funded?
For straightforward files with documents ready, funding is possible in as little as 24 hours once approved. Property-secured caveat loans and smaller unsecured loans are usually the quickest.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up once you've decided to go ahead with a specific lender.
How much can I borrow?
Property-secured business loans range from $20,000 to $5,000,000. Unsecured, cash-flow and line-of-credit options are typically $5,000 to $500,000, sized on your turnover and bank statements.
What if I have no cash flow right now?
If you own property with equity and have a clear way to repay, such as a sale, a refinance or a contract payment, a private lender may fund the business even with weak current income.
Do you lend to farms and solar businesses?
Yes. Farms, solar and battery installers, builders, hospitality, transport and seasonal businesses are among the industries we help most, because banks often find them hard to fund.
Will my details be sent to lots of lenders?
No. A real person reads your enquiry and sends your file to the one or two lenders most likely to approve it. We don't spray your details around the market.
Everyone else said no? Let's see what's possible.
One 60-second enquiry, no credit check when you first enquire, and a real person who works on difficult loans every day.
No credit check to enquire
Not sprayed around
A real person on your file