We work on the loans other people turn down

Alternative Business Loans exists for one kind of business owner: the one who has a real business, a real need for money, and a file that doesn't fit the usual boxes. Maybe the bank said no. Maybe three other lenders said no after that. Maybe the business is a farm in a dry year, a solar installer growing faster than its bank balance, or a builder left out of pocket by someone further up the chain. We help those owners find the lender that can say yes.

Banks are great. We're for when they can't help.

We have nothing against banks. For a clean file with time to spare, a bank is usually the cheapest money there is, and we'll tell you so. But banks lend to a narrow range of situations, and they're often slow. When your loan falls outside that range, or your deadline is this week, you need someone who knows which alternative and private lenders fund which kinds of problems, and how to put your file in front of them properly.

What we help with

• Difficult situations: bad credit, defaults, ATO debt, no cash flow, short trading history, a loss year, stacked loans and bank declines
• Hard-to-fund industries: farms, solar and renewables, construction, hospitality, transport, seasonal businesses, labour hire, online retail and regional operators
• Alternative loan options: lines of credit, caveat loans, private second mortgages, unsecured loans, bridging, equipment and invoice finance

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. Bad credit, defaults and ATO debt considered case by case. Funding possible in as little as 24 hours once approved, for straightforward files. Business purposes only.

Our promises

How we work

Every enquiry is read by a real person. We call you, ask about the problems as well as the plans, and work out what's actually stopping a yes. Then we send your file to the one or two lenders whose policy genuinely fits, rather than spraying it across the market and leaving a trail of credit enquiries behind you. If we don't think a loan will help, for example because the business is losing money at its core, we'll say so.

We don't publish rates, because every difficult file is priced on its own circumstances. We'd rather show you a real offer, explain every fee in dollars, and help you plan the refinance to cheaper money once your file improves.

Who we are

Alternative Business Loans is operated by Techgen LLC Pty Ltd (ACN 696 942 391), trading as Alternative Business Loans. We help businesses right across Australia, from capital-city CBDs to farms and mining towns.

Ready to talk? Start a 60-second enquiry. There's no credit check when you first enquire, and accurate answers on the form mean we can point you to the right lender on the first call.