Bank said no
Declined for a business loan? Every reason and its fix
Find the reason the bank gave you, what it actually means, and what a specialist lender does with it instead.
The bank said no
Bank declined your business loan? Work out the real reason, what a specialist lender weighs instead, and the one mistake that makes the next 'no' more likely.
Read more →ATO debt
Business loan with ATO debt? How specialist lenders pay the tax office out at settlement, what they check first, and why waiting keeps costing you more.
Read more →Defaults
Business loan with defaults on your credit file? How specialist lenders read paid, unpaid and disputed defaults, what to fix first, and why property helps.
Read more →Bad credit
Bad credit business loans in Australia: which credit problems specialist lenders forgive, which they don't, and how to present a bruised file so it gets read.
Read more →Past bankruptcy
Business loan after bankruptcy? What discharge changes, how long it shows on your credit report, and how specialist lenders assess ex-bankrupts in Australia.
Read more →Overdue lodgements
Tax returns or BAS not lodged? How specialist lenders assess a business loan without current financials, and the lodgement order that strengthens your file.
Read more →Court judgment
Court judgment on your credit file or against your company? How specialist lenders treat paid and unpaid judgments, and how a loan can pay one out.
Read more →On an ATO payment plan
On an ATO payment plan and need finance? Why banks hesitate, how specialist lenders view a plan you've kept, and when refinancing the balance makes sense.
Read more →A loss year
Declined because last year's accounts showed a loss? How lenders look past one bad year, what evidence of recovery they want, and which loans fit best.
Read more →Short trading history
Declined for a short trading history or a new ABN? What lenders mean by 'time in business', how a new structure is treated, and which loans work sooner.
Read more →Not sure which applies to you? The free decoder turns the bank's reasons into fixes and a likely next step.
Declined once. Let's see what's possible now.
A 60-second enquiry with no credit check when you first enquire. A real person reads the whole story, including the awkward parts, and calls you with options that fit. Your details stay with us, not a lender list.
No credit check to ask
Not sprayed around
A real person on your file