Low Credit Score Business Loans Made Simple

If your personal or business credit score isn’t perfect, you can still get approved.

Depending on your situation, some lenders may offer rapid assessments.

See Your Loan Options (30 Sec)

100% free · No credit score impact · No obligation

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Trusted by small business owners across Melbourne & Australia.

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Logos of Australia’s top business lenders partnered with Casey Asset Finance

Why your credit score shouldn’t stop your business

A low credit score doesn’t mean your business isn’t strong — it often just means life happened.

  • ATO debts

  • Past defaults

  • Old unpaid bills

  • Late payments

  • Too many enquiries

  • Previous declines

These don’t erase your current business performance.

The right lenders look at your recent turnover, account conduct, and business strength — not mistakes from years ago.

You deserve options that are fair, simple, and cost-effective.

What is a low credit score business loan?

A low credit score business loan is designed for business owners who may have:

  • A low Equifax or illion score

  • Previous credit issues

  • Defaults

  • Judgments

  • Irregular repayment history

  • High credit enquiries

Instead of traditional credit score requirements, lenders in this category focus on:

  • Recent business performance

  • Bank statement conduct

  • Revenue stability

  • Trading history

These products are specifically built for businesses who want a second chance.

Who this suits best

You may be a strong fit if your business:

  • Has steady weekly or monthly turnover

  • Has recovered from past financial challenges

  • Has minimal recent reversals

  • Has active customers coming in

  • Is growing but held back by past credit issues

  • Needs funding when banks decline

How much you can borrow

Loan amounts generally range from:

  • $5,000 to $500,000+

  • Terms from 3 to 24 months

  • Daily, weekly, or monthly repayment options

Your recent bank statements will determine your borrowing power more than your credit score.

What lenders look for (even with low credit scores)

  • Monthly turnover

  • Stability of deposits

  • Account conduct (reversals, overdraws)

  • Business longevity

  • Recent improvements

  • Industry type

  • Current liabilities

Past credit issues may be considered — but they rarely determine the final outcome.

Benefits of low credit score business loans

  • Accepts lower credit scores

  • Fast assessments

  • No need for full financial statements

  • Options even after declines

  • Clear and simple criteria

  • No credit score impact for checking your options

  • Transparent lending process

Common uses for this type of funding

  • Working capital

  • Covering ATO or BAS obligations

  • Paying suppliers

  • Buying stock

  • Marketing and growth

  • Staff wages

  • Equipment repairs

  • Managing cash flow swings

Check my business loan eligibility (30 sec)

Eligibility criteria

Most lenders require:

  • Minimum 3–6 months trading

  • Minimum monthly turnover of $8,000–$15,000

  • Active Australian business bank account

  • ABN registered and trading

No perfect credit score required.
No financial statements required for most lenders.

How the process works

1. Quick pre-assessment (30 seconds)

No impact on your credit score.

2. Provide recent bank statements

Most lenders need only 3–6 months.

3. Receive options that accept low credit scores

We match you to lenders who look at performance — not history.

4. Get funded in as little as 24 hours

Timing depends on your profile and lender.

See which options you may qualify for

100% free · No credit score impact · No obligation

Why choose Casey Asset Finance

  • Simple, transparent process

  • Access to lenders who specialise in challenged credit

  • Honest guidance without pressure

  • Fast turnaround times

  • We help strengthen your position

  • Support from start to settlement

We understand the challenges — and we help you move forward with confidence.

What you can expect

  • Clear explanation of your options

  • No guesswork

  • No confusion about requirements

  • Fair assessment

  • Guidance through the entire process

  • Tailored lender recommendations

  • Respect and discretion — always

Frequently asked questions

  • Yes. Many lenders approve low credit scores as long as the business is performing.

  • No, our pre-assessment does not impact your credit score.

  • It depends on age and type — but many lenders still approve.

  • You can still be eligible. Some lenders specialise in previously declined applicants.

Ready to explore business loans for low credit scores?

Get options based on your business strength — not your credit score.

See Your Loan Options (Takes 30 Secs)

100% free · No credit score impact · No obligation

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