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Been Knocked Back for Business Funding?

We Connect You to Brokers Who Actually Get People in Your Situation Approved

You’re not imagining it – getting business finance as a tradie, transport operator, or hospitality business is tougher than it should be.

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The Truth About "Bad Credit" Business Finance

Banks see credit scores. Specialist lenders see cash flow and business potential.

Your Credit History Tells One Story

Maybe a supplier went bust and left you with defaults. Maybe the economy tanked and your last business couldn’t survive. Maybe you hit personal hardship years ago. Traditional banks see these marks and immediately reject you. They don’t look at what happened after. They don’t look at your current business’s strength.

Your Current Business Revenue Tells Another

IIf you’re doing $50k+ in monthly revenue with consistent bank statements, that’s proof you know how to run a business NOW. Specialist bad credit lenders understand that past doesn’t equal future. They look at: current cash flow, trading history, business strength, and ability to service repayments.

The Problem Is You Keep Applying in the Wrong Places

Every bank rejection makes you feel like you’ll never get funded. But here’s what they’re not telling you: There are lenders who SPECIFICALLY work with credit-impaired businesses. They’re not doing you a favor—you’re their target market. They’ve structured their products around businesses with challenging credit histories.

Why Funding Fast Works for Impaired Credit

We match you to brokers who work with your reality, not against it

The Circumstance-Specific Broker Match™

Generic loan comparison sites match you based on loan amount, then act surprised when you get rejected because of credit issues. We match you to brokers who specifically handle credit-impaired businesses.

These brokers have relationships with lenders whose entire business model is funding businesses with challenging credit. They know exactly how to present your application to highlight business strength instead of dwelling on past issues. They know which lenders look at 3 months of bank statements vs. 12 months. They know which ones accept discharged bankruptcies vs. current defaults.

That’s why businesses that got rejected 5, 6, 7 times still get funded through us. Not because we’re magicians. Because the broker who takes your application specializes in credit-impaired finance and knows which lenders will actually say yes.

Traditional Banks vs. Specialist Bad Credit Lenders

Understanding the difference changes everything

Traditional Banks

  • Credit score is primary decision factor
  • Automated rejection for any defaults
  • Require 2+ years perfect credit history
  • Won't consider context of credit issues
  • Need residential property as security

Specialist Credit Lenders

  • Cash flow and revenue are primary factors
  • Human underwriters review each application
  • Can approve with recent defaults/judgments
  • Consider context and business circumstances
  • Offer unsecured options based on cash flow

Credit Situations Our Broker Network Handles

The “problems” that make banks reject you are what our specialists work with every day

Court Judgments

Paid or unpaid judgments don’t automatically disqualify you with the right lenders and broker expertise.

Multiple Defaults

We work with lenders who understand defaults happen. As long as you’re trading strongly now, options exist.

Previous Business Failure

Your last business didn’t work out. Your current one is thriving. Specialist brokers know how to present this story.

Discharged Bankruptcy

If your bankruptcy is discharged and you have 6-12 months of clean trading, funding is possible.

Part IX Debt Agreement

Completed or current debt agreements can still be worked with by experienced credit-impaired brokers.

Poor Credit Score

Sub-500 credit scores aren’t deal-breakers when your business cash flow proves serviceability.

Real Businesses, Real Approvals

These business owners thought they’d never get funded

“I had 3 defaults from when my building company went under in 2022. Every bank laughed at me. The broker Funding Fast matched me to didn’t even blink—he’d seen it before. Funded $75k in 4 days.”

— Marcus T.

Electrical Contractor, Sydney

“Discharged bankruptcy from a failed cafe 3 years ago. My transport business is doing $120k/month now but no one would touch me. The specialist broker knew exactly which lender to go to. Approved for $100k.”

— Sarah K.

Transport & Logistics, Brisbane

“I owed $40k to ATO and had judgments from COVID. Every ‘comparison site’ ghosted me after one application. Funding Fast matched me to a broker who specializes in exactly this. Cleared everything within a week.”

— James P.

Solar Installation, Melbourne

Common questions answered

Will I get rejected again?

Not if you’re matched to the right broker. The difference is night and day. Generic brokers use lenders with strict credit criteria. Our credit-impaired specialists work with lenders whose ENTIRE BUSINESS is funding businesses with challenging credit. You’re their target market, not their exception.

There’s no single answer because it depends on your business strength. We’ve seen approvals for businesses with: multiple defaults, unpaid judgments, discharged bankruptcies, Part IX agreements, and credit scores below 400. The key is strong current trading (consistent monthly revenue) and ability to service repayments.

It will be higher than bank rates, yes. Typically 12-24% depending on your situation. But consider: (1) You’re getting approved when banks won’t touch you, (2) You can use the funds to grow revenue and improve your credit, (3) Many brokers can refinance you to better rates once you’ve improved your position. The alternative is no funding at all.

Yes, but not in painful detail. Your broker needs to know what’s on your credit file so they can match you to the right lender and present your application properly. But these brokers work with credit issues every day—there’s no judgment. Be honest in the application, and they’ll handle the rest professionally.

It’s tougher but possible, especially if you have strong revenue from day one. Most bad credit lenders want to see 6-12 months of trading history. If you’re newer, focus on building those months of bank statements, then apply. Or if you’re doing exceptional revenue ($50k+/month from the start), some lenders will consider it.

Your Credit History Doesn't Define Your Business Future

Get matched to a broker who works with lenders that actually fund credit-impaired businesses