High Risk Business Loans
“High risk” doesn’t always mean “no”. It usually means the lender sees repayment as less predictable
What matters most is lender fit and loan structure.
100% free · No credit score impact
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
What can make a business “high risk” to lenders
Short trading history or recent ABN/company changes
Irregular or seasonal revenue
Heavy existing debts or messy conduct
Too many enquiries
Recent credit events (even if turnover is strong)
The safer way to approach a high-risk application
Apply once, with the right lender, with a clear explanation
Show stable trends and realistic repayments
Prepare at least 6 months of bank statements
How CASEY helps
CASEY reduces wasted enquiries by matching your risk profile to lenders that are actually comfortable with it — without pushing you into the wrong product.
If credit history is part of the risk
Go to the full guide here:
Bad Credit Business Loans →
Frequently asked questions
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Not always — it can be volatility, industry, or trading history even with a decent score.
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Sometimes — if the trend and repayment buffer make sense.
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Re-applying repeatedly and stacking enquiries.