$5K – $750K · Unsecured
Credit-Flexible Loan
Decisions based on cash flow, not credit score.
For businesses with less-than-perfect credit histories.
Who it’s for
Built for this moment.
Your credit file has bruises but your business is trading well right now. Traditional lenders keep saying no. We look at the actual money flowing through your accounts.
- Businesses with past credit issues
- Those on an ATO payment plan
- Bounce-back stories
Key features
- Prior defaults, discharged bankruptcy or ATO arrears considered
- Approved on trading strength, not credit file
- Larger amounts available for stronger cash flow
Eligibility
Do you fit?
- Active Australian ABN
- 6+ months trading (some exceptions)
- $10K+ monthly revenue
What you’ll need
Ready to apply.
- 6–12 months of business bank statements
- ABN + basic business details
- A quick chat about the credit history so we can find the right lender
Example
$250,000 after prior defaults
[PLACEHOLDER SCENARIO] A regional transport business had two paid defaults on the director’s file from a slow 2023. Cash flow through 2026 was strong. Approved for $250K to buy two additional trailers.
Or explore another product
Credit-Flexible Loan FAQ
How bad is too bad?+
There’s no single line. We’ve funded businesses with recent defaults, ATO plans, and discharged bankruptcy. Send an application and we’ll be straight with you.