The workable routes
Business loan solutions for difficult files
Each route explained the same way: how it works, who it suits, what the lender needs, what can go wrong and how it ends.
Property-backed loan
When a credit score blocks a bank loan, property security can carry the deal instead. How property-backed business lending works, who it suits and the exit.
Read more →Second mortgage
Keep your home loan where it is and borrow behind it. How a second mortgage for business works with bad credit, what lenders need, the risks and the exit.
Read more →Caveat stopgap
A caveat loan can hold the line while a bigger fix lands. How short-term caveat funding works, when it suits a difficult file and the exit it needs.
Read more →Guarantor or co-borrower
When your own file can't carry a business loan, a guarantor or co-borrower might. How it works, what the supporter signs, the risks and how they get released.
Read more →Refinance an MCA
Daily merchant cash advance deductions eating your takings? How refinancing an MCA works, the payout figures to request and the way out.
Read more →Consolidate with property
Several business debts, one property with equity. How to consolidate business debts with property security, which debts to include, the risks and the way out.
Read more →ATO plan + funding
An ATO payment plan and a business loan can work together. How to split the tax debt between them, which part each handles and how to keep the ATO onside.
Read more →Sale and leaseback
Own trucks or machinery outright? How equipment sale and leaseback releases cash with a hard credit file, what it costs you and the alternatives.
Read more →Invoice-backed funding
Your customers' record can matter more than your credit file. How invoice finance works with bad credit, who it suits and when a loan is simpler.
Read more →Fund a settlement
A creditor may accept less if paid now. How to negotiate a business debt settlement, fund the lump sum with a loan and get the deal in writing.
Read more →Split secured + unsecured
Too big for unsecured, too small to justify property? Split it. How a secured plus unsecured structure works, who it suits and the risks.
Read more →Bridge to a bank
Not bankable today, bankable in a year? How short-term funding can carry your business to a bank refinance, what to fix meanwhile and when to switch.
Read more →Cash-flow loan
Bank said no but the business trades well? A cash-flow loan sized on bank statements may work. How lenders assess it, the limits, trade-offs and exit.
Read more →Commercial equity release
Own your premises but the bank won't lend? How commercial property equity release works for a difficult file, what valuers look at and the exits.
Read more →Find the route that fits your file
Tell us what's in the way. No credit check to ask, no mailout to a crowd of lenders, and a specialist who calls with a plan and an exit.
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A real person on your file