Doors still open
Alternative business finance routes that can still work
When the mainstream door closes, these are the alternative routes that can still say yes, who each one suits, and what it asks of you in return.
Private first mortgage
Private first mortgage business loans for owners declined by banks: how they work, who they suit, what lenders look for and how to plan your exit.
Read more →Private second mortgage
Private second mortgage business loans let you borrow against equity behind your existing home loan without refinancing it. How they work after a decline.
Read more →Caveat loans
Caveat loans for business after a decline: how a caveat secures short-term funding, when it suits, what it costs and why a clear exit matters most.
Read more →Low doc loans
Low doc business loans for owners declined over missing financials: what evidence lenders accept instead, secured and unsecured options, and how to prepare.
Read more →Bad credit business loans
Bad credit business loans in Australia: how specialist lenders assess defaults and judgments, secured versus unsecured options and how to apply well.
Read more →Loans with ATO debt
Business loans with ATO debt in Australia: borrowing with a tax debt in place, using a loan to clear it, what lenders need and how payment plans help.
Read more →After bankruptcy
Business loans after bankruptcy in Australia: what changes once you're discharged, how long records last, which lenders consider it and how to prepare.
Read more →After a debt agreement
Business loans after a Part IX debt agreement: how lenders view current and completed agreements, what helps, and the routes that may still work.
Read more →New business funding
Funding for new businesses declined by banks for short trading history: secured options, statement-based lending, asset finance and what lenders need to see.
Read more →Bank statement loans
Bank statement business loans for businesses declined over tax returns: how lenders read your statements, typical amounts and how to prepare clean statements.
Read more →Unusual security
Business loans against unusual security: vacant land, rural property, specialised commercial buildings, regional towns and company-owned property explained.
Read more →Invoice finance
Invoice finance for Australian businesses declined for working capital: how factoring and discounting work, who qualifies and why your customers matter most.
Read more →Equipment finance
Equipment finance for businesses declined elsewhere: how the asset secures the loan, which assets suit, chattel mortgages and leases, and what to prepare.
Read more →Revenue-based finance
Revenue-based finance for businesses with steady card or online sales: how repayments follow takings, who it suits after a decline and costs to check.
Read more →Unsecured line of credit
Unsecured business line of credit after a bank decline or overdraft cut: how it works, typical limits, what lenders assess and how to use it well.
Read more →See what your business could qualify for
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