Decline reasons, decoded
Why lenders say no to business loans
Every decline has a reason behind it, even when the letter doesn't say so. Each page explains one reason in plain English and what still works around it.
Declined on serviceability
Business loan declined on serviceability? What lenders' affordability maths actually tests, why it often misreads a business, and the routes that still work.
Read more →Defaults and judgments
Declined because of a default or court judgment on your credit file? How lenders read listings, what helps, and the alternative lenders that may still say yes.
Read more →Too many credit enquiries
Declined for too many credit enquiries? Why application bursts worry lenders, how long they show on your file, and how to make your next approach count.
Read more →ATO debt
Business loan declined because of ATO debt? Why banks stop at tax debt, how a payment plan changes things, and the alternative lenders that consider it.
Read more →Trading history too short
Declined because your business is too new? Why lenders want a trading record, what counts as history, and the alternative routes open to younger businesses.
Read more →Missing financials
Declined because tax returns or financials aren't lodged? Why banks need them, what low doc and bank statement lenders accept instead, and how to catch up.
Read more →Security not accepted
Lender wouldn't accept your property as security? Why some properties fall outside bank policy and which private lenders accept wider security types.
Read more →Industry restrictions
Declined because of your industry? Why lenders restrict sectors like hospitality, construction and transport, and the alternative lenders without those limits.
Read more →Bank statement red flags
Business loan declined after lenders read your bank statements? The red flags they look for, how to explain them, and how to rebuild clean statements.
Read more →Director's personal credit
Company loan declined because of a director's personal credit? Why lenders check directors, how guarantees work, and the options when one director has issues.
Read more →Trust and company structure
Business loan declined because of a trust, group or company structure? Why structures confuse lenders, what documents fix it, and who lends to complex setups.
Read more →Unclear purpose or exit
Declined because your loan purpose or exit plan was unclear? What lenders need to hear about how funds are used and repaid, with examples that work.
Read more →See what your business could qualify for
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