Bad credit business loans
Having bad credit doesn’t automatically mean “no” — what matters is how you explain it.
First: we’ll check a few basic details
Next: we’ll review + call you — nothing ever moves forward without your consent
The safest next step is a quick eligibility check so you can see what’s realistic for your situation.
100% free · No obligation · No credit score impact
🏆 Lenders’ Choice Broker of the Year Finalist (Optimise Awards 2025)
Why business owners come to us
A lot of the time, we usually hear:
The lender or broker said “no”
My bank account has too many dishonours or goes into the red
My credit score is too low
I need cash fast, but don’t have the right info ready.
If this sounds like you, don’t hesitate to reach out.
We see this all the time. We can take a look and tell you what’s realistic.
Reviewed for accuracy
Content reviewed for accuracy by Michael Pajar (Director, CASEY).
Last reviewed: 2 January 2026
What you get
Our bad credit solutions are to give you three things:
Clarity: around what lenders want in “bad credit” situations
Set your expectations: tell you what helps (and what can hurt you)
A safer next step: a simple way you can see what you’re eligible for
With us, there’s no pressure or overpromises. Just a practical way forward.
Is this for you?
Does this sound like you?
You have credit issues, but haven’t been able to explain them clearly
You don’t have financials right now, but can still share bank statements
You want help to put your application together properly
Who this isn’t for:
Your business isn’t trading
You’re haven’t earned revenue in the last 3 months
What do lenders look for when you apply?
Lenders are looking for a few key things:
Your bank account: how many overdrawn days or missed payments
Your income: how much money comes in each month
Your debts: how many debts you have and how big they are
Your credit: as the owner, your recent enquiries and past issues
Your purpose: what you need the money for matters a lot
Here’s the simple truth: when credit is weak, how your application is put together matters more than ever.
How we work with you
You complete the check eligibility form
We chat to you and truly understand your situation.
If it looks suitable, we’ll tell you what you need to get moving
If you have bad credit already, it helps to have someone on your side. We help protect your credit first while we find you real options before you apply again.
What you’ll need handy for now
To start, we just need a few things:
A short note about your situation
What you need the money for
What matters most to you
On the call, we’ll explain what’s needed next. Our goal is to keep it simple and fast so you can get back to business.
What we see the loan is often used for
It’s often used for:
Day-to-day costs
Filling a gap (low sales)
Stock
Overdue bills
Urgent costs
Most of the time, it’s the things that keep the business moving.
How going with CASEY can help you
Here’s what you can expect:
Your save time (back-and-forth) and avoidable declines
Your expectations are set early
We present you from a position of strength
You avoid the stress and leave it with us
Different brokers have different experience and exposure to situations. The right help can make things easier and less stressful.
Want to learn more about business loans?
We don’t just provide solutions, we get you the education to be an even more well-rounded business owner:
Business loans — for a broad overview
Business loan declined — information around declined loans
Low credit score business loans — when the score is the main concern
High risk business loans — when lenders see the application as higher risk
Second chance business loans — options after past mistakes or setbacks
Each page focuses on one credit-related situation.
This page focuses on credit issues and what lenders usually look at when credit history isn’t clean.
If the main issue is day-to-day cash-flow pressure rather than credit, the safest next step is still to check eligibility so we can route you correctly.
Frequently asked credit-related questions
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Sometimes, yes — but it depends on what your recent bank activity shows, what caused the credit issues, and whether the repayments look realistic. We’ll review your situation first and explain the safest next step.
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Checking eligibility is not the same as lodging multiple applications. We’ll confirm what the next step involves before anything proceeds.
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Not always. Many lenders still focus heavily on bank conduct, turnover patterns, and whether repayments look sustainable.
The safest next step
If you have credit issues and you’re not sure what’s still possible,
the safest next step is to check eligibility first.
100% free • No credit score impact