Access Bad Credit Business Loans from $10K to $250K
Get funding for your business even with past setbacks, late payments or a rough credit history.
Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.
Bad credit business loans that look at how your business is trading now, not how it was twelve months ago
A few late payments, an old default, a paid-out ATO arrears, or a difficult year doesn’t define your business. It just makes the high street banks nervous. Our brokers compare bad credit business loans across our panel and arrange a deal with lenders who weight current trading more than historical credit. If your business is generating revenue and you can demonstrate the capacity to service repayments, options exist even when the credit file isn’t pristine.
We work with specialist non-bank lenders who look at six months of bank statements, current cash flow and the story behind the credit event, not just the score. Some will price closer to mainstream rates if the credit issue is older and isolated. Others charge a premium for the risk but still get the funding done when the deal makes sense. Our service is free for you, we’re paid by the lender. Always borrow what you can comfortably repay. If you’re under financial stress, our warning about borrowing page explains the support available before taking on more debt.
Past credit hits don't automatically rule you out
Old defaults, paid-out judgements, ATO arrears that's been sorted, missed payments. Lenders on our panel look at the full picture, not just the score.
Current trading is what matters most
Six months of consistent business banking with healthy revenue is often enough to qualify, even with credit history that a bank would knock back outright.
Borrow from $10,000 to $250,000
Specialist lenders typically work in this range for bad credit deals. Larger amounts may be available with asset security on the right deal.
Honest about pricing
Bad credit lending costs more than mainstream lending because the risk is higher. Rates and fees will be disclosed before you proceed.
A path to rebuild
Servicing a bad credit business loan well can help repair the file over time, putting your business in a stronger position for mainstream finance later.
No fees from us
Free for you to apply through our broker panel. We're paid by the lender, not by you.
Past credit hits slowing you down? Bad credit business loans can give you a fair go.
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Benefits
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Get Approved in 3 Simple Steps
1. Apply online
Find the business loan type that fits your needs - then complete our easy online application form to get started.
2. We source a lender
We partner with multiple lenders, to get you access to commercial finance options that you won’t always find at the big banks.
3. You get approved!
If you’re eligible, loan approval, signing & funding can happen really fast. Some business loan types can take a little longer to approve.
Let’s find the right business loan for you! It’s fast, free, and won’t affect your credit score.
Eligibility Criteria
Verified Business & Owner
Be 18+ and verify the business owner or director details, ID, and ABN or ACN.
Australian Business
Operate a business in Australia with local trading activity an banking.
Income & Trading History
Provide recent bank statements, BAS, or financials to show turnover and affordability.
We work with Australian business lenders who assess whether a loan is suitable for your business. To apply, you’ll generally need to be at least 18, operate an Australian business with a valid ABN or ACN, and have a business bank account. Lenders may also request bank statements, BAS or financials. Each lender has its own criteria, and final approval depends on its assessment of your business and financial position.
Our Lender Panel
Frequently Asked Questions
Still have questions? We’re here to help. Contact our team anytime.