About us
We help when the first answer was no
Alternative Business Funding exists for Australian business owners who have tried the usual places and been turned away.
Most of the people who come to us have already done the sensible thing. They went to their bank, or a broker, or an online lender, and they were declined. Sometimes they were given a reason. Often they were handed a one-line letter and left to guess.
We think that guesswork is the hardest part. So our work starts with understanding: what really happened, why that lender said no, and whether a different kind of lender would see your business differently. Then, if there's a route that genuinely fits, we help you take it.
Who we help
- Owners declined by a bank on serviceability, credit history, tax debt or trading history
- Businesses with an ATO debt, overdue lodgements or a payment plan in place
- People rebuilding after bankruptcy, a Part IX debt agreement or a failed earlier venture
- Newer businesses, or ones whose income is real but doesn't show up neatly in tax returns
- Owners whose property, industry or structure doesn't suit a bank's standard policy
What we can arrange
Property-secured options (private first and second mortgages, caveat loans) from $20,000 to $5,000,000 on residential or commercial security. Unsecured, cash flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Bad credit, past insolvency and ATO debt considered case by case. Business purposes only.
The promises we keep
No credit check to enquire
Telling us what happened costs you nothing on your credit file. A credit check only comes up if you decide to go ahead.
Not sprayed to lenders
Another round of rejections is the last thing you need. We don't fire your details at a crowd of lenders and hope one bites.
A real person reads it
Someone who deals with declined and hard-to-place loans every day works on your file. Honest answers on the form help us get it right first time.
We'd also ask one thing of you: fill in the enquiry form as accurately as you can, including the uncomfortable parts. A default you mention up front is something we can plan around. One that surfaces later can derail a file that was otherwise going well.
How we work
We don't publish rates, because every loan in this space is priced on the business, the security and the risk. We'll explain the full cost in dollars before you agree to anything, and we'll tell you plainly if we don't think a loan is the right answer. You can read the details on how it works, or start an enquiry whenever you're ready.
Who we are
Alternative Business Funding is operated by Company Cash Pty Ltd, of which Alternative Business Funding is a division, from 1341 Dandenong Road, Chadstone VIC 3148. You can call us on (03) 8538 1446.
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.
No credit check to enquire
Not sprayed to lenders
A real person reads it