Business Loans for Businesses Behind on Payments
Flexible business funding for established businesses trading 12+ months — longer terms, weekly repayments, and fast access to $50k–$150k working capital.
Business finance feels stressful for most owners — our job is to make it simple and clear.
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✔︎ Trusted by small business owners across Melbourne & Australia.
Why this matters
Every lender assesses arrears differently. Some may focus on how long payments have been overdue. Others prioritise your weekly revenue trends. Many assess whether your recent cash flow supports a structured pathway back to stability.
If you’re not sure which pathway fits your situation, that’s completely normal — most business owners aren’t. I’ll guide you clearly without pressure.
What you get
A structured pathway designed to stabilise cash flow, reduce pressure, and help you regain control without navigating dozens of conflicting lender rules.
Options commonly used by businesses behind on payments
Weekly repayment structures available through many lenders
Longer terms to help ease repayment pressure
Cash-flow friendly options with flexible early-exit pathways
Clear, simple steps from assessment to settlement
Who this suits
This suits many established businesses across construction, trades, retail, transport, and manufacturing — especially those temporarily behind on payments but with strong ongoing revenue.
Businesses trading 12+ months
Businesses behind on payments due to short-term cash-flow issues
Businesses wanting $50,000–$150,000 in working capital
Businesses wanting weekly repayment structures
Businesses wanting lower-stress repayment terms
Businesses wanting a solution that fits their revenue profile
General Lender Criteria
Different lenders follow different rules when businesses fall behind on payments. Some focus on recovery trends. Some prioritise cash-flow strength. Others look for consistent turnover and repayment capacity.
Some lenders offer structured pathways for temporary payment delays
Some lenders specialise in weekly repayment options
Some lenders allow flexible early-exit pathways
Some lenders consider uneven revenue if turnover is strong
Some lenders prefer 12+ months trading for larger amounts
Some pathways suit businesses juggling multiple commitments
How it works
A simple, low-stress process to help you regain control quickly and clearly.
Quick chat to understand your situation
Bank-statement review to identify your strongest pathway
Match you to options suited to your cash-flow rhythm
Present everything clearly (no pressure)
You choose what feels right
Fast approval and settlement
Eligibility
Most established businesses behind on payments still qualify for a range of pathways as long as turnover supports the loan structure.
ABN registered
Preferably 12+ months trading
Consistent weekly or monthly turnover
Active business bank account
Revenue sufficient to support the request
Use of funds
Common use cases for $50,000–$150,000 working capital:
Clearing overdue supplier payments
Stabilising weekly cash flow
Managing wages and payroll
Catching up on operational commitments
Stock and inventory
Materials and supplies
Short-term working capital gaps
Benefits
Designed to help stabilise pressure and support recovery without adding unnecessary strain.
Lower-stress weekly repayment options
Longer terms available for 12+ month businesses
Early-exit pathways
Fast access to working capital when cash flow is strong
Structures designed to reduce pressure
Clear guidance before you commit
The risk of going it alone
Choosing the wrong lender when behind on payments may result in shorter terms, higher repayments, or unnecessary declines — especially if the application doesn’t match how lenders view arrears.
Getting it right the first time helps stabilise cash flow, avoid extra pressure, and give your business the breathing room it needs.
Want repayments that actually suit your business?
If you’d like options that support your recovery and match your cash flow, I can walk you through the strongest pathways — quickly, clearly, and with zero pressure.
Industry pain points we usually see
Businesses behind on payments often face pressures unique to their industry. These are common examples:
Construction: delayed progress payments and overdue supplier invoices
Trades: upfront materials and uneven weekly turnover
Retail: slow seasonal months causing temporary arrears
Common scenarios we usually see
Here are real-world situations where businesses behind on payments seek working capital:
Supplier invoices overdue and new orders blocked
ATO pressure paired with strong current revenue
Wages due while cash flow is temporarily uneven
The true cost
Small differences in repayment structures can add up. Even choosing the wrong term can add hundreds per week — quietly draining cash flow when you’re already under pressure.
Choosing the right pathway helps stabilise your business, reduce stress, and protect your cash flow moving forward.
Not sure what you qualify for?
Most business owners aren’t — especially when they’re behind on payments. I’ll walk you through your strongest options clearly and simply, with no pressure.
Frequently asked questions
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Terms vary widely. Businesses trading 12+ months often see longer-term pathways that help lower weekly repayments.
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Yes. Several pathways may suit businesses behind on payments depending on recent cash-flow strength.
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Yes — many lenders offer weekly structures to reduce pressure.
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Some lenders offer early-exit pathways. If this matters to you, I’ll prioritise those options.
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Many established businesses secure $50,000–$150,000 depending on turnover and cash flow.
Related resources
Explore similar guides to compare structures, understand your options, and choose the right pathway for your business.