Start from the obstacle
Business loan workarounds by obstacle
Pick the thing standing in your way. Each page skips the theory and goes straight to the routes that still work around it.
Bank declined
What to do after a bank declines your business loan: the workable routes ranked by what you have, from property security to cash-flow lending and guarantors.
Read more →ATO debt
Tax debt stopping the bank? The workable funding routes when you owe the ATO, from property-secured payouts to plan-plus-loan combinations.
Read more →Defaults and judgments
Defaults or a court judgment on file? The business loan routes that still work, which forgive the most, and how to strengthen your file meanwhile.
Read more →New ABN
Banks often want two years of trading. The workarounds for a new ABN: property security, guarantors, deposit-based lending and buying-a-business structures.
Read more →No recent financials
Tax returns or financials behind? The business loan routes that don't depend on them, which documents can stand in, and how to catch up without stalling.
Read more →Expensive short-term debt
Several online loans and cash advances draining the account? The workarounds that break the cycle: secured consolidation, refinancing and stopping the stack.
Read more →Tight deadline
A garnishee, settlement date or creditor deadline and a file the bank won't touch? The routes that tend to move quickest and how to prepare so nothing stalls.
Read more →No property
Renting, or not risking the house? Business loan workarounds without property: cash-flow loans, guarantors, invoice and equipment funding.
Read more →Find the route that fits your file
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