Bad Credit Business Loans Made Simple

Get funding even if you’ve been declined before — without judgement.

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No impact on your credit score.

🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Backed by 10+ years of experience in financial services.
Trusted by Australian business owners across construction, trades & manufacturing.
Join 40+ specialist lenders ready to help business owners with bad credit.

When the banks say no — you still have options.

If you’ve been declined for a business loan because of bad credit, you’re not alone. Many business owners face:

  • Defaults or missed payments

  • ATO debt

  • Cash flow issues

  • Low credit scores

  • Past financial trouble

  • Previous declines

  • Irregular bank conduct

A bad credit score doesn’t define your business — and it doesn’t stop you from securing funding.
We help business owners access lenders who look beyond the credit score and focus on the strength of your business today.

What Is a Bad Credit Business Loan?

A bad credit business loan is funding specifically designed for business owners who have:

  • Poor credit history

  • Defaults or judgments

  • ATO debt

  • Previous declines

  • Low scores or credit challenges

These loans are unsecured, fast, and rely heavily on real business performance, not traditional credit scoring.

This type of finance is ideal for covering short-term costs, stabilising cash flow, or taking advantage of business opportunities.

Why business owners choose Casey Asset Finance

  • We specialise in challenging credit and complex scenarios

  • Personal support without judgement

  • Faster access to lenders who understand real-world business

  • Simple, clear process from start to finish

  • Strong relationships with specialist lenders

  • Accurate submissions to give you the highest chance of approval

Bad credit funding is all about knowing which lender to approach and how to structure the deal.

That’s what we do every day.

Specialist lender access — built for challenging credit

We work with a wide range of lenders, including those who can support:

  • Defaults and missed payments

  • ATO debt

  • Poor credit scores

  • High-urgency situations

  • Startup businesses with early cash flow

  • Irregular statements

  • Previous declines

We categorise lenders by scenario:

✔ Tier 2 alternative lenders

For businesses with strong turnover and reasonable conduct.

✔ Tier 3 short-term lenders

For businesses with bad credit, defaults, ATO debt or recent issues.

✔ Fast-turnaround asset lenders

For urgent scenarios requiring same-day approval and has equity in assets.

Your benefit:
You’re matched only to lenders who actually fit your situation.

How Our Process Works

1. Quick 30-second eligibility check

Basic details — no documents needed upfront.

2. We match you to the strongest lender fit

We review your bank conduct, turnover and scenario to choose the best option.

3. Get funded — sometimes within 24 hours

You receive your offer, sign digitally, and funds are released quickly.

Everything is handled for you from start to finish.

Who this is for

You may qualify even if you have:

  • Defaults

  • Poor credit history

  • ATO debt

  • Missed payments

  • Previous declines

  • Irregular cash flow

  • No recent tax returns

  • Bad bank conduct

You may not qualify if:

  • There is no active ABN

  • The business is not trading

  • There is no revenue (all cash)

  • There is an undischarged bankruptcy

What lenders look at

Even with bad credit, lenders still review:

  • Recent bank conduct

  • Turnover pattern and consistency

  • ATO position

  • Existing debts

  • Repayment reversals

  • Business stability and trading history

  • Cash flow after expenses

Bad credit doesn’t stop you —
it simply changes which lender is the right fit.

Common Funding Scenarios

Business owners generally use bad credit loans for:

  • ATO debt

  • Staff wages

  • Stock purchase

  • Repairs and maintenance

  • Vehicle repairs

  • Equipment issues

  • Unexpected bills

  • Expansion opportunities

  • Cash flow support between invoices

  • Marketing and growth initiatives

Real examples (our clients)

❖ Graphics contractor — $50,000 funded in 48 hours

Business had a low cash balance + ATO debt.
Cash flow was seasonal.
Approved through a specialist bad credit lender.

❖ FMCG Manufacturer — $150,000 for stock & cash buffer

Poor credit history due to COVID period.
Approved via a cap lender with daily repayments. Weekly payments negotiated successfully.

❖ Transport operator — $75,000 line of credit facility

Multiple payment reversals.
Multiple days in negative.
Anticipated large projects in the coming months.
Approved for a line of credit.

❖ Café owner — $70,000 for kitchen upgrade and renovations

Client had low cash balance + 200k ATO debt + payment reversals.
Client needed assets funding no doc.
Funded in 24 hours.
Client increased sales.

How much can you borrow

Typical loan amounts range from $5,000 to $500,000 — depending on turnover, bank conduct and credit history.

  • Turnover

  • Cash flow

  • Bank conduct

  • Defaults / ATO

  • Time in business

  • Director history

Our job is to position you to receive the strongest possible offer.

Costs & repayments

Bad credit business loans work differently to traditional loans:

  • Structured as factor rate products rather than interest rates

  • Daily or weekly repayments

  • Early payout discounts often available

  • Transparent total cost (no “hidden” fees)

  • No property security required

We explain every cost clearly before you accept anything.

Check My Eligibility (30 sec)

No impact on your credit score.

Frequently Asked Questions

  • Yes — many specialist lenders approve businesses with defaults, missed payments, ATO debt and poor credit scores.

  • Some lenders can approve and fund within 24 hours, depending on bank conduct and turnover.

  • Yes — some lenders specifically support businesses with ATO arrangements or overdue BAS.

  • Yes — lenders assess the severity and recency of defaults, not just the credit score.

  • Almost always if you go direct-to-lender. With a broker, we do a soft check first.

  • Very unlikely — if you have been trading under 6 months. Over 6 months time in business is possible.

  • Most lenders require only 3–6 months of bank statements. No tax returns required.

Related Resources

Ready to see your options?

Fast, simple, and no impact on your credit score.

🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards)

✔︎ Backed by 10+ years of experience in financial services

Trusted by Australian business owners across construction, trades & manufacturing

100% free · No credit score impact · No obligation