About the Solutions Desk

Who we help

We work with Australian business owners whose file doesn't fit a bank's checklist. Some have been declined outright. Some owe the ATO, carry a default or two, have a new ABN, or haven't finalised their accounts. Some are being squeezed by a stack of short-term loans and cash advances. Most are running real businesses with customers, staff and a future; the file just doesn't show it the way a bank wants to see it.

Difficult Business Loans is a solutions desk for Australian businesses with a hard credit file. We work out which funding route still works after a bank decline, ATO debt or defaults, and explain what each route needs and how it ends.

What makes us different

A lot of online help for difficult files explains the problem in great detail and stops there. We take the problem as given and spend our time on the solution: which route works, what the lender will need, what can go wrong and how the loan ends. Every route on this site is written up the same way, so you can compare them honestly, including the ones that aren't right for you.

We also care about the exit as much as the approval. Short-term and specialist funding is useful precisely because it's temporary. A workaround without a plan to leave it is just a new problem. That's why we built the exit plan builder alongside the solution finder.

What we can arrange

• Property-secured routes (first mortgages, second mortgages and caveat loans) from $20,000 to $5,000,000 against residential or commercial property.
• Unsecured, cash-flow and line-of-credit routes for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
• Bad credit and ATO debt considered case by case.
• Business purposes only.

We don't publish interest rates. Every loan is priced on the business's own circumstances, and we'd rather explain the real cost in dollars once we understand your file than quote a number that doesn't apply to you.

Our promises

• No credit check to enquire. Asking what's possible leaves your credit file untouched. A check only happens later, with your consent, if you choose to proceed.
• No mailouts to a crowd of lenders. We don't push your details to a long list and see who responds. Your file is matched to the route and lender that suit it.
• A real person on your file. A specialist reads your enquiry and phones you to work through it.
• Straight answers. If funding won't help, or a route you're keen on is wrong for your situation, we'll say so.

One request from our side: please fill in the enquiry form as accurately as you can. Honest answers about property, turnover, tax and credit history mean the first route we suggest is the right one, and nobody's time is wasted.

Who operates this site

Difficult Business Loans is operated by Techgen LLC Pty Ltd (ACN 696 942 391), trading as Difficult Business Loans. You can reach a specialist on 08 8464 0899 or through the 60-second enquiry form.