Bad Credit Business Loans

Australian Lending Centre is a bank-alternative finance provider, even for those entrepreneurs with bad credit. If you need help with bad credit business financing, talk to us today.
No impact on your credit score

Business Loans With More Options

Thousands of Aussie business owners get rejected business loans from banks because of a bad credit history. At the Australian Lending Centre, we firmly believe that your past is your past for a reason. We have helped thousands of Australians turn their businesses around with bad credit loans. We offer no judgement, only support.

Whether you are looking to expand, grow, recruit or cover costs – we have a wide range of financial options to suit you. With over 30 years of finance experience, our specialist team is trained to tailor bad credit business loans to suit your needs.

Why choose a non-bank lender for a bad credit business loan?

If credit repair isn’t for you, then a bad credit business loan can provide your company with the financial resources it needs, while also boosting your credit score! By receiving a bad credit loan from Australian Centre and making repayments on time, you can expect to see an increase to your credit score, putting you back in control.

Why Choose Us for debt consolidation

An ALC bad credit business loan Offers...

Bad credit business loans give you the opportunity to obtain finance even when banks say no. They give you a 2ndchance at finance.

Generally, a bad credit business loan comes with a higher interest rate because your credit history suggests that you could be a risky lender. Australian Lending Centre is flexible with our terms and rates and understands that it is easy to fall into the bad credit trap. We want to provide a solution that suits you and helps you get back on track, so you can move forwards towards a positive financial future. 

You can choose from two types of bad credit loans either secured bad credit loans and unsecured bad credit loans:

ALC can help with loans, including…

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Start A Business

Ever wanted to be your own boss? We have loan options for entrepreneurial people with fantastic business ideas, to launch their business.

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Recruit New Staff

With additional staff, you could be more productive and more profitable, so it makes sense to take on new staff if you want to grow, even with bad credit.

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Purchase equipment

If you equipment is broken or outdated, it could be costing you valuable income. A bad credit business loan will help get you back in the game.

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Increase inventory

When businesses grow, sometimes they need a little extra help increasing inventory, especially during booms like seasonal sales fluctuations or sales.

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Increased Marketing

If you need to build your brand or generate more leads and sales, it makes sense to invest in additional marketing, and we can help even with bad credit.

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Lease or Buy New Premises

Have you outgrown your current location and new a bad credit business loan to help you move somewhere more suitable? ALC can help you grow.

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Repairs and Maintenance

When your premises, machinery or technology isn't working as it should it can affect your bottom line. Bad credit business loans are helpful in this situation.

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Cover Tax Debt

If you haven't put enough asided to meet your tax obligations, owning the ATO can be stressful. A bad credit business loan can help you pay this off more easily.

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Working Capital

Bad credit working capital loans can help you with short-term financial needs.These are best if you find yourself in a financial tight spot and need that extra boost.

How To Apply for a bad credit business loan

Click the “Start Your Application” button. It is on the top right in the menu.

Select the type of loan that you want by clicking the button with the icon.

Step 3: Fill out the form icon

Continue through the form and follow through to the upload document prompts.

Step 4: Receive your money fast icon

If approved, the funds could be transferred to your account as little as 72 hours.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service :)

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service :)

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

Business Loans with Bad Credit FAQ's

A bad credit history will usually mean that traditional lenders see you as a credit risk and therefore, it will be more difficult to obtain finance. However, the Australian Lending Centre can provide support to those seeking bad credit loans and find the most competitive interest rate with the best terms of repayment available. Contact us on 1300 138 188 for advise or financial support.

If you’ve had issues getting finance approval, you may have bad credit. The first step is to get a complete picture of your credit history, by applying to get a copy of your credit report. 

Check your credit report:

Obtain a copy of your credit file, and check for negative listings. You can get this through the following credit reporting agencies:

By law, you are able to get a free credit report year, or, if you are refused credit, within 90 days. You can also pay a small fee to get a copy at any time.

Make sure the information is correct:

Many people have mistakes listed on their credit file, caused by an incorrect listing by the financial institution or in serious cases, identity theft.

If there is a mistake get in touch with the credit provider, credit reporting agency or office of the Privacy Commissioner. If this sounds too complicated, we can help

Rebuild your credit score with a credit card and paying bills on time:

It is important to note that no borrowing money can cause you to have little to no credit history. Having a credit card with a low balance where you pay it out every month, can make you look better in the eyes of credit providers. It shows you can handle your money and debts. For those of you who struggle with credit cards, have a low balance, so you don’t get into hot water.

Make sure that you pay your utility and phone bills on time, as these can end up in the hands of debt collection agencies and be listed on your credit file.

A bad credit rating has an impact on your ability to borrow money from traditional lenders. However, there are a number of things you can do to fix your bad credit rating. Here are a few tips we suggest:

Pay Off Your Debts

Bad credit history will never be repaired if you have black marks and outstanding defaults on your credit file.

If you are struggling to pay off your debt, you should consider talking to the Australian Lending Centre about negotiating with your creditors or entering a debt agreement to pay off your debts.

Repair Credit

If your debts are already paid off then it might be worth looking more closely at your credit file. We recommend getting in touch with Clean Credit who are the market specialists in this field.

They will be able to talk you through what is on your credit report and the reason behind your bad credit rating. From here, you can go through the process of credit repair and get defaults, judgements and credit inquiries removed from your credit file.

Cut up Your High-Interest Credit Cards

Credit cards and store cards are one of the quickest ways to get a bad credit rating. When you miss a few months of payment, your credit card provider can place black marks on your credit report which can take years to be removed.

Credit card debt is one of the easiest ways to get into trouble as many people are accustomed to relying on credit card debt to get them through life when they do no have sufficient funds to finance their lifestyle.

Even when credit cards are paid off, they can be run back up to their limit in very little time.

With such high-interest rates on credit card debt and store cards, the best option is to simply cut up your credit cards and stop spending on them.

This means changing your spending habits slightly, for example, using a debit card instead of a credit card.

This may help you prevent another infringement or black mark leading to a bad credit rating.

It’s easy. Just apply with the Australian Lending Centre, which takes just 30 seconds and won’t affect your credit score in any way, and we will get in touch. Our specialist loan consultants will guide you through the process and find the best loan product to suit your credit circumstances. Our goal is to put you in a better situation than you are currently in. We have a wide range of lenders to choose from.

Our loans start from $5,000. We can advise your maximum limit over the phone once we have assessed your individual situation.

Funding a new business is not always an easy process. It is very obvious that the big banks make start-up funding nearly impossible. To the banks, a new enterprise is placed in the “too hard basket” and under the high-risk category. Banks are more inclined to cater towards more well-established businesses have shown previous profitability and have full financial statements over the past 2-4 years.

Start up business loan is very straightforward, it is one of the most popular products we offer here at Max Funding.

Over 80% of Australians dream about owning their own business. However, the first challenge for many of these new business owners is the lack of funding. Typically business owners don’t have enough business experience and find it difficult to obtain loans from mainstream banks and lenders in Australia.

The Australian Lending Centre have dealt with many successful start-ups, many of whom are now household names. New business owners are faced with a multitude of challenges and cashflow is probably the biggest, followed by tax debt management. Our criteria makes it a lot simpler for new businesses to get a bad credit business loan. Our specialist loan consultants are start-up savvy, unlike traditional banks. We don’t require a business plan or a credit check for our pre-approval. 

Our primary focus is on potentially successful new businesses that the banks have turned down. Our belief is that these start-up businesses deserve a fair go. Apply for a bad credit business loan with Australian Lending Centre today so you have the funding you need to launch, with flexible repayment options and competitive interest.

If your business has multiple debts with high-interest rates and fees, a debt consolidation loan can be the answer. With business debt consolidation, we combine all your existing debts into a single loan, usually at a lower interest rate and one set of fees, and a longer payment term, to make managing repayments more manageable. This can free up much-needed capital and allow you to operate more effectively as a business.

Secured Bad Credit Loans

  • The loan is secured against an asset that you own, such as a house or car.
  • The asset acts as insurance for the lender to ensure that repayments are made after entering into a contract.
  • Secured bad credit business loans come with lower rates and more flexible terms.

Unsecured Bad Credit Loans

  • The loan is taken out purely on a trust basis that you will keep up with repayments.
  • Lenders will usually not risk granting an unsecured bad credit loan.
  • Unsecured bad credit business loans come with higher interest rates and more rigid terms.