Who will lend to you
Who will lend to you? Lenders by borrower profile
Bad credit, a young ABN, a sole trader set-up, financials behind or a bank that already said no — here's which lenders still have an appetite for your profile.
Lenders don't only judge the loan; they judge the borrower. A young ABN, a credit default, a sole trader set-up, tax returns that are behind or income that comes in lumps will close some doors and leave others wide open. These pages show which lender types still have an appetite for each profile and how to present your case.
Bad credit
Which Australian lenders consider business loans with bad credit, defaults or past bankruptcy, and why no genuine lender guarantees approval.
Read the field notes →New businesses
Which Australian lenders fund startups and businesses under 12 months old, and what to bring when you have little or no trading history yet.
Read the field notes →Sole traders
Which Australian lenders lend to sole traders, how they read your personal tax return and bank statements, and how to make yourself easier to lend to.
Read the field notes →Low doc
Which Australian lenders offer low doc business loans when tax returns are behind, what evidence replaces financials, and the trade-offs.
Read the field notes →After a bank decline
Declined by a bank for a business loan? Read the reason, see which Australian lender types usually say yes next, and avoid repeating the decline.
Read the field notes →Irregular income
Which Australian lenders suit seasonal, project-based or lumpy-income businesses, which products to avoid, and how to present your annual cycle.
Read the field notes →Not sure which of these is you?
The Lender Matcher sorts it in six questions — or send an enquiry and a specialist will place you on the map. No credit check to ask.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
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One match, not a mailing list
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