Alternative business finance · Australia-wide
When the usual answer is no, we look at the whole business.
Banks and many finance companies decide by scorecard. One slow month, an ATO debt or a young ABN and the door shuts. We look at your trading, your plans and the assets behind you, then find a route that works.
No credit check to enquire · a real person reads every enquiry
ATO debt? Considered
New ABN? Considered
No credit check to enquire
Find out what is realistic before anything touches your credit file. A check only happens if you choose to go ahead.
Not sprayed to a pile of lenders
Your enquiry is not auctioned or blasted around. One team reads it and works it through properly.
A real person on your file
Someone who understands declined and unusual deals calls you back. Answer the form accurately and we can match you properly first time.
Loan solutions
Finance built for businesses that don't fit the box
Pick the option that matches your situation, or tell us the problem and we will match it with you.
Unsecured business loans
Unsecured business loans from $5k to $500k, sized on turnover and bank statements. Bad credit and new ABNs considered. No property or valuation needed.
Read more →Secured business loans
Property-secured business loans from $20k to $5m by first mortgage, second mortgage or caveat. No valuation needed before approval. Bad credit considered.
Read more →Bad credit business loans
Business loans with bad credit: defaults, judgements, late payments and low scores considered case by case. Unsecured and property-secured options.
Read more →Low doc business loans
Low doc business loans assessed on bank statements, BAS and ID instead of up-to-date tax returns. Unsecured and property-secured low doc options.
Read more →ATO tax debt loans
Business loans to pay off ATO debt: BAS, GST, PAYG withholding and income tax arrears. Payment plan refused or defaulted? Options from $5k to $5m.
Read more →New ABN business loans
Business loans for new ABNs and startups trading under two years. Bank statement lending from around six months, or property-secured options sooner.
Read more →Short-term business loans
Short-term business loans repaid over months, not years. For stock, wages, tax and opportunities. Unsecured or property-secured; bad credit considered.
Read more →Working capital loans
Working capital loans for wages, stock, rent and supplier bills while you wait to be paid. Unsecured from $5k or property-secured up to $5m.
Read more →Also: Business line of creditCash flow financeInvoice financeEquipment financeSecond mortgage loansFirst mortgage loansCaveat loansBridging financePrivate lender loansOverdraft alternativesQuick business loansSmall business loansRevenue-based financeTrade financeDebt consolidationBusiness loan refinanceCommercial property loansSole trader loansBusiness acquisition loansNo valuation loans
30 seconds that explain everything
Why most finance companies say no, and why we often don't
Most lenders feed your application into a scoring model built for perfect files. It cannot see that the slow month was a one-off, that the tax debt has a plan, or that the new ABN belongs to someone with twenty years in the trade.
- Real people read the bank statements, not just the score
- Property, equipment and contracts count as part of the story
- Clear answers, quickly, and no credit check to enquire
Scorecard versus whole business
Same business, two very different answers
The gap between a decline and an approval is often not the business at all. It is the way the lender decides. Here is what changes when people, not a points table, make the call.
How it works →| Typical scorecard lender | Alternative Business Loans | |
|---|---|---|
| How the decision is made | A scorecard: pass every rule or stop | People look at the whole business |
| Time trading | Often two years minimum | From around six months, or less with property |
| Tax debt with the ATO | Usually an automatic decline | Clearing it is a common reason to borrow |
| Past defaults or judgements | Frequently a hard stop | Considered case by case |
| Paperwork | Tax returns, financials, forecasts | Bank statements often enough; low doc welcome |
| Property valuation | Formal report, often weeks | Not needed before approval on secured loans |
Quick route check
Which route fits your business?
Three questions, an instant suggestion. The full Loan Route Finder asks seven and explains the reasoning.
Industries
We back the businesses banks get nervous about
Hospitality, building, transport, retail, farming and more. See how alternative finance fits the way your industry earns.
Declined elsewhere?
Find your reason, see what still works
How it works
From first question to funds in four steps
- 1
60-second enquiry
What you need, what it is for and what happened elsewhere. No credit check when you first enquire.
- 2
A real person calls
We read the story behind the numbers and pick the route: unsecured, cash flow or property-secured.
- 3
Terms in writing
Every cost set out clearly before you sign. No rates hidden in fine print, no surprises.
- 4
Funds released
Fast on straightforward deals. Secured loans can fund in as little as 24 hours once documents are signed.
Free calculators
Work out the numbers before you talk to anyone
No interest rates assumed. You enter the real costs and see the real answer.
Loan Route Finder
Answer seven quick questions about your business and see which alternative loan routes usually fit, and why.
Open →Repayment Calculator
Enter the amount and the total cost of finance you were quoted. See daily, weekly and monthly repayments. No rates assumed.
Open →Cash Flow Gap Calculator
Money in, money out and when. Find the size and timing of your cash flow gap before you borrow.
Open →Property Equity Calculator
Property value and what you owe. See your LVR and the usable equity a secured lender could work with.
Open →ATO Debt Options Calculator
Compare a payment plan with clearing the debt using finance, using costs you enter yourself.
Open →Loan Readiness Checklist
Tick off the documents you have. See what is missing for low doc, full doc and property-secured routes.
Open →
Where we help
Every capital city and the regions in between
Fremantle brewers, Barossa growers, Gold Coast tourism operators, Geelong fabricators. Everything is done by phone and electronic signing, wherever you trade.
Guides
Straight answers before you borrow
Why Business Loans Get Declined (and What to Do Next)
The real reasons Australian business loans get declined: time trading, tax debt, credit issues, bank statements and more, and how to fix each before reapplying.
Read the guide →Bad credit and declinesHow to Read Your Credit Report Before a Business Loan
What lenders see on your credit report: enquiries, defaults, judgements, repayment history and scores. How to get your report free and fix errors.
Read the guide →Getting approvedWhat Lenders See in Your Business Bank Statements
How alternative lenders read business bank statements: deposits, balances, dishonours, other lenders, ATO payments. Fix the red flags before you apply.
Read the guide →Getting approvedHow Much Can My Business Borrow? A Plain Guide
How lenders work out how much a business can borrow: turnover, existing debts, account conduct and property equity. Unsecured and secured explained.
Read the guide →Cash flowCash Flow Gaps Explained: Why Profitable Businesses Run Short
Why profitable Australian businesses still run out of cash: payment terms, stock, tax timing and growth. How to measure the gap and choose the right fix.
Read the guide →Starting outFunding a New Business in Its First Year
Options for funding a business in its first year in Australia: savings, equipment finance, guarantors, property, grants and early bank statement lending.
Read the guide →Choosing a loanLow Doc vs Full Doc Business Loans: Which Fits?
Low doc and full doc business loans compared: documents required, amounts, speed and cost. Which suits sole traders, late lodgers and growing businesses.
Read the guide →Getting approvedHow to Get Business Funding Fast Without Regret
How to get business funding quickly: the fastest loan types, what to prepare today, warning signs of bad offers and questions to ask before signing.
Read the guide →Alternative business loans: quick answers
What is an alternative business loan?
Business finance from outside the big-bank model. Specialist and private lenders assess the whole business, including current trading, bank statements and any property behind it, instead of running a rigid scorecard that declines anyone with a tax debt, a past default or a short trading history.
Can I get a business loan with bad credit?
Often, yes. Past defaults, judgements and low scores are considered case by case. What matters most is what your business account shows now, why the problem happened and, for larger amounts, whether there is property to secure the loan.
Can a business loan pay off an ATO debt?
Yes. Clearing BAS, PAYG withholding or income tax arrears is one of the most common reasons owners come to us, especially when a payment plan has been refused or defaulted, or a director penalty notice has arrived.
My ABN is less than a year old. Can I still borrow?
Many alternative lenders consider businesses from around six months of trading, based on bank statements. With property as security, even newer businesses can be considered because the decision leans on the equity and the exit.
How much can I borrow?
Unsecured and cash flow funding typically runs from $5,000 to $500,000, sized on turnover. Property-secured loans run from $20,000 to $5,000,000 by first mortgage, second mortgage or caveat, with no valuation needed before approval.
How fast is the money?
Smaller unsecured amounts can move quickly once bank statements are verified. Property-secured loans can be funded in as little as 24 hours on straightforward deals once documents are signed. A complete, accurate enquiry is the biggest time saver.
Will enquiring hurt my credit score?
No. There is no credit check when you first enquire. We talk through your situation first, and a credit check only happens if you decide to go ahead with an application.
Why don't you show interest rates?
Because every loan is priced on the individual business, the security and the term. A headline rate would mislead most people. You see every cost in writing before you commit to anything.
Prefer to start now? Enquire here
About 60 seconds. No credit check when you first enquire, and a person who handles unusual deals calls you back.
Heard no somewhere else? Ask the people who look at the whole business.
One short enquiry. No credit check when you first enquire, a real person reading it, and your details kept with one team instead of being shopped around.
No credit check to enquire
Not sprayed to a pile of lenders
A real person on your file