High-Risk Business Loans Made Simple
When your business doesn’t fit traditional lending criteria, you can still get approved.
Depending on your situation, some lenders may offer rapid assessments.
100% free · No credit score impact · No obligation
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✔︎ Backed by 10+ years of experience in financial services.
Trusted by small business owners across Melbourne & Australia.
Our Panel of 40+ Lenders
Why high-risk business loans matter
When traditional lenders say no, it can halt your plans — even when your business is capable and growing.
Unexpected expenses
Cash flow pressure
Supplier deadlines
Seasonal slowdowns
Missed opportunities
Contract delays
High-risk business loans exist to keep your business moving, not hold it back.
We help business owners navigate complex lending scenarios with a clear, simple approach.
What is a high-risk business loan?
A high-risk business loan is designed for businesses that don’t meet standard lending criteria used by banks and major lenders.
These loans are suitable when your business has:
A lower credit score
Past defaults or late payments
Irregular cash flow
Limited trading history
Existing liabilities
Seasonal income patterns
Instead of strict requirements, lenders focus on your recent performance, bank statements, and ability to service repayments.
Who this suits best
This type of funding may suit your business if:
You've been declined elsewhere
You have inconsistent monthly turnover
You’re recovering from past financial issues
You’re building back from a slow period
You need funds quickly to stabilise cash flow
Your bank statements show improvement
You need simple, minimal documentation
How much you can borrow
Loan amounts depend on turnover and risk profile, but most high-risk lenders offer:
$5,000 to $500,000
Terms from 3 to 12 months
Daily or weekly repayment options
Lenders focus heavily on the strength of your recent bank statements.
What lenders look for
Recent trading performance
Weekly/monthly turnover
Account conduct
Number of deposits
Time in business
Existing commitments
Current financial stability
Improvement trends matter more than your past.
Even with a higher-risk profile, lenders assess several key indicators:
Benefits of high-risk business loans
Suitable even after previous declines
Minimal documentation needed
Fast decisions
Helps stabilise cash flow
No-credit-impact pre-assessment
Clear, transparent process
Common uses for this type of funding
Working capital
Stock replenishment
Paying suppliers
Managing ATO obligations
Covering payroll
Repairing equipment
Taking advantage of short-term opportunities
Eligibility criteria
Most lenders require:
Minimum 3–6 months in business
Minimum turnover $8,000–$15,000/month
Active ABN & business bank account
Recent statements showing stability or improvement
High-risk profiles are welcome.
How the process works
1. Quick pre-assessment (30 seconds)
No credit impact — just basic details.
2. Provide recent bank statements
Typically 3–6 months required.
3. We compare high-risk lenders
Matching your situation to the best fit.
4. Get funded, often within 24 hours
Depending on your business profile.
100% free · No credit score impact · No obligation
Why choose Casey Asset Finance
Clear guidance for high-risk scenarios
Lenders who specialise in complex profiles
Fast assessments with minimal friction
Personalised support throughout the process
A focus on transparency and simplicity
Proven experience with challenging credit situations
What you can expect
Respectful, simple communication
Zero judgment — just solutions
No unnecessary paperwork
Honest expectations upfront
A tailored plan that fits your situation
Support before, during, and after settlement
Frequently asked questions
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Yes — many of our lenders specialise in clients who have been declined elsewhere.
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It may influence outcomes, but recent business performance carries more weight.
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No — it’s 100% free and there is no obligation.
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Some approvals may be available within 24 hours.
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Not always. Bank statements are typically the main requirement.
Ready to explore your high-risk business lending options?
Get clear guidance — and options based on your business today.
100% free · No credit score impact · No obligation