Fast business loans
Funding options for businesses that need speed — with clear next steps and no surprises.
Built for urgent cash flow needs
No property security required
Eligibility checked before next steps
100% free · No credit score impact
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
Where low credit score applications usually get stuck
When your credit score is low, it’s not just the number that causes issues — it’s how the application is presented.
Common points where applications fall over:
Applying to lenders who will decline anything below a certain score, no matter what else looks good.
Multiple recent enquiries across different lenders, which can make it look like you’re shopping around in distress.
Past missed payments, defaults or judgments that are not properly explained or supported with context.
Bank statements that show strong turnover but also frequent dishonours or tight cash flow, without a clear story behind it.
Incomplete or rushed information that leaves credit teams guessing instead of understanding your situation.
What improves outcomes if you have a low credit score
A low score doesn’t automatically mean “no”, but it does change how carefully things need to be handled.
Things that can help:
Strong recent business performance — consistent turnover and clear evidence the business is trading well now.
Bank statements that show income coming in regularly, with fewer recent dishonours or late payments.
A clear, honest explanation of any past issues (such as a tough period, unexpected event, or change in circumstances).
Not applying to multiple lenders at once “just to see what happens”.
Providing enough information up-front so credit teams can see the full picture, not just the score alone.
Who this suits
This page is most helpful if you recognise yourself in at least one of these situations:
Your credit score is low or recovering, but your business has consistent recent turnover.
You’ve had issues in the past — such as missed payments, defaults or a rough patch — but your current trading position is stronger than your score suggests.
You’ve already been declined elsewhere and don’t want to keep adding enquiry after enquiry to your file.
You’d rather have one structured pathway instead of guessing which lenders might say yes or no.
You want someone to look at the story behind the numbers — not just the number on a screen.
How CASEY helps with low credit score scenarios
CASEY focuses on matching low credit score scenarios with lenders who can look beyond the score and consider the actual business.
Here’s how we help:
We start with your recent trading position — turnover, cash flow and bank statements — rather than treating the score as the only deciding factor.
We identify which lenders are more likely to consider low credit score applications in the first place, so you’re not applying blindly.
We work with you to present your situation clearly, including any context behind past issues and what has changed since then.
We aim to minimise unnecessary enquiries, so you’re not adding extra “noise” to your credit file.
We keep the process simple and straightforward, so you always know what stage you’re at.
What happens next
If you’d like to explore what may be possible with a low credit score, the process is simple:
Check your eligibility (30 sec)
Answer a few basic questions about your business so we can understand your situation and where the low credit score fits in.We review your scenario properly
We look at your recent bank statements, turnover patterns and any past issues to see whether there’s a realistic pathway with the right type of lender.We outline your options in plain language
If there appears to be a way forward, we’ll walk you through it clearly — including what lenders may consider and what information they’ll need from you — so you can decide if it feels right for your business.
(You don’t need to upload anything on this page — that comes later if it looks like there’s a genuine pathway.)
Want the full bad credit hub guide?
If your situation is a bit broader than “just” a low credit score — for example, tax debt, multiple defaults, or a mix of different issues — you may find it helpful to start with the full bad credit overview.
Frequently asked questions
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In many cases, yes. A low credit score doesn’t automatically rule you out, but it does narrow the lender pool and change how your application is assessed. Some lenders pay closer attention to recent bank statements, cash flow and turnover than to the score alone. The key is matching your situation to the right kind of lender and presenting the current state of the business clearly.
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Multiple enquiries in a short period can make your credit file look more risky to some lenders. That’s why it’s important not to apply everywhere at once just to see what happens. A more deliberate approach — with one broker understanding your situation and placing your application carefully — can help reduce unnecessary enquiries and keep things as clean as possible.
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Focusing on your recent business performance usually helps the most. Keeping bank accounts in better order, reducing dishonours, staying on top of key payments, and avoiding unnecessary new credit enquiries can all improve how your situation is viewed. Being open about past issues — and showing what has changed — also makes it easier for lenders to understand the story behind the score.
Ready to see what’s possible with a low credit score?
If your credit score isn’t where you’d like it to be, it doesn’t automatically rule you out. Share a few details once and we’ll let you know what may be realistically possible for your business — without adding more noise to your credit file.
100% free · No credit score impact
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
Registered with Australia’s most trusted credit and compliance bodies.
CASEY provides business finance solutions only. Information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any outcome will always depend on individual lender assessment and eligibility criteria.
If you’d like to talk things through:
Phone: 0450 622 115
Email: michael@caseyassetfinance.com.au
Hours: 9:00 am – 5:30 pm AEST, Monday to Friday.