The Solutions Desk · Australia-wide
Hard file? There's usually a workable route.
Bank decline, ATO debt, defaults, a new ABN or a stack of short-term loans: we work out which funding route still works, what the lender will need, and how it ends.
- No credit check to enquire
- One matched lender, not a mailout
- $20k – $5m
No credit check to enquire
Asking which route could work leaves your credit file untouched. A check only comes up later, if you choose to proceed.
One matched lender, not a mailout
We don't push your file to a crowd of lenders and see who bites. Your situation is matched to the route and lender that suit it.
A real person on your file
A specialist reads what you send and phones you to work through it. Honest form answers mean the first route we suggest is the right one.
Start from the obstacle
What's standing in the way?
You don't need another explanation of why the bank said no. Pick the obstacle and go straight to the routes that work around it.
The workable routes
Fourteen solutions, each explained the same way
How it works, who it suits, what the lender needs, the risks and the exit. No sales gloss, and honest about when a route is wrong for you.
Property-backed loan
When a credit score blocks a bank loan, property security can carry the deal instead. How property-backed business lending works, who it suits and the exit.
Read the route → File 02Second mortgage
Keep your home loan where it is and borrow behind it. How a second mortgage for business works with bad credit, what lenders need, the risks and the exit.
Read the route → File 03Caveat stopgap
A caveat loan can hold the line while a bigger fix lands. How short-term caveat funding works, when it suits a difficult file and the exit it needs.
Read the route → File 04Guarantor or co-borrower
When your own file can't carry a business loan, a guarantor or co-borrower might. How it works, what the supporter signs, the risks and how they get released.
Read the route → File 05Refinance an MCA
Daily merchant cash advance deductions eating your takings? How refinancing an MCA works, the payout figures to request and the way out.
Read the route → File 06Consolidate with property
Several business debts, one property with equity. How to consolidate business debts with property security, which debts to include, the risks and the way out.
Read the route → File 07ATO plan + funding
An ATO payment plan and a business loan can work together. How to split the tax debt between them, which part each handles and how to keep the ATO onside.
Read the route → File 08Sale and leaseback
Own trucks or machinery outright? How equipment sale and leaseback releases cash with a hard credit file, what it costs you and the alternatives.
Read the route → File 09Invoice-backed funding
Your customers' record can matter more than your credit file. How invoice finance works with bad credit, who it suits and when a loan is simpler.
Read the route →How a route gets built
Obstacle, route, evidence, exit
The same four steps a specialist works through on every file. You can start them yourself before you ever talk to us.
- 1
Name the obstacle
Decline, tax debt, listings, thin history, late books, stacked debt or a deadline. Most files have two or three.
- 2
Choose the route
Lead with what the lender can rely on instead: property equity, deposits, customers, equipment or a supporter.
- 3
Gather the evidence
Bank statements, ATO statement, property details, payout letters and a short, honest explanation.
- 4
Write the exit
Refinance, sale or trading, with dates and a plan B. This is the page that persuades lenders most.
Same business, different question
What the bank weighed, and what a workaround leans on
The bank's checklist
- Credit score above a cut-off
- Two years of lodged financials
- No tax debt
- Serviceability from last year's profit
- Standard security in favoured postcodes
What a workaround relies on
- Equity in residential or commercial property
- Recent bank statements and lodged BAS
- A payout that clears the ATO at settlement
- Current trading, contracts and customers
- A written, evidenced exit
Neither view is wrong. They answer different questions, and a difficult file usually suits the second one better. Bad credit and ATO debt considered case by case.
How it ends
Every workaround needs an exit plan
Short-term funding buys time. The exit is what makes the time worth buying, and it's the part lenders read most closely on a difficult file.
Guides
Practical guides for hard files
Step-by-step help for the jobs that make the difference: proposals, accountant letters, valuations and getting out of costly short-term debt.
Declined for a Business Loan? A 30-Day Recovery Plan
A week-by-week plan that turns a bank's no into a single, well-matched application with a clear exit.
Read the guide → Short-term debtMerchant Cash Advance Cost: Work Out What You Really Pay
Turn a merchant cash advance into numbers you can compare: total cost, daily drain, time to repay and the cost of stacking.
Read the guide → Preparing your fileBusiness Loan Proposal for a Messy File: One-Page Template
One page that tells a lender what you need, why, what went wrong, what's fixed and how the loan ends.
Read the guide → Preparing your fileAccountant's Letter for a Business Loan: What to Include
What a lender hopes to read in your accountant's letter, and how to brief your accountant so it helps.
Read the guide → Property securityLow Valuation on a Business Loan? Five Ways Forward
Why lenders' valuations come in below expectations, and the five practical responses that keep a property-secured loan on track.
Read the guide → Preparing your fileBooks Behind? Business Loan Documents That Can Fill the Gap
When the annual accounts aren't ready, these are the documents that can carry a specialist loan application, and how to catch up meanwhile.
Read the guide →Straight answers
Questions owners ask first
More on the full FAQ page. Or skip the reading and ask a specialist directly.
See if you qualify →Can I get a business loan after the bank said no?
Often, yes. A bank decline reflects the bank's rulebook. Specialist lenders use different rules: property-secured lenders focus on equity and the exit, and cash-flow lenders focus on recent bank statements. The right route depends on what you can offer instead of what the bank wanted.
Does enquiring affect my credit file?
No. Asking which route could work involves no credit check. A credit check only comes up later, with your consent, if you decide to go ahead.
Will my details be sent to lots of lenders?
No. We don't spray your file across a list of lenders and wait to see who bites. A specialist looks at your situation and matches it to one suitable route and lender.
How much can I borrow?
Property-secured business loans run from $20,000 to $5,000,000 against residential or commercial property. Unsecured, cash-flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements.
Do you lend to businesses with ATO debt or defaults?
Bad credit and ATO debt are considered case by case. Many loans are arranged specifically to pay out the ATO or clear listed debts, with the payment made directly at settlement.
What interest rate will I pay?
We don't publish rates, because every loan is priced on the business's own circumstances: the security, the file, the term and the exit. A specialist explains the full cost in dollars before you commit to anything.
Why do you keep talking about an exit?
Because short-term and specialist funding is only as good as the way out of it. Planning how a loan ends, whether by refinance, sale or trading, is what keeps a workaround from becoming a new problem.
Is this for personal loans too?
No. Everything here is for business purposes only.
Tell us what's in the way. We'll find the route.
One short enquiry. No credit check to ask, no mailout to a pile of lenders, and a real specialist who calls with the route that fits your file.
No credit check to enquire
One matched lender, not a mailout
A real person on your file