Free tool
Way-out finder: which funding route first?
Five quick questions about what's pressing, what you own and how the business is really going. You'll get the routes worth exploring, in order, with the reasoning.
How the finder ranks the routes
The finder weighs two things above all: whether there's property equity to work with, and whether the business earns money once the one-off problems are stripped out. Property changes what's possible more than anything else, because property-secured lenders focus on the security and the plan to repay rather than the credit history. A profitable core decides whether new borrowing is a bridge to somewhere better or just a longer road to the same place.
From there, the pressure point shapes the order. ATO debt and supplier arrears are usually best paid out directly at settlement. Stacked short-term loans point to a refinance. A cash-flow gap in an otherwise healthy business often suits a line of credit better than a lump sum. Read more about each route in our way-out guides.
When the answer is "talk to your accountant first"
If the business loses money at its core, borrowing more rarely helps. That's not a lecture; it's the same test any sensible lender will apply. In that case the finder points you to your accountant, and to understanding formal options such as small business restructuring, before taking on new debt. If the numbers turn out better than feared, funding is still there to discuss.
Ready to test it for real?
The quickest way to know is a 60-second enquiry. There's no credit check when you first enquire, your details go to one team rather than a crowd of lenders, and a real person calls you to work through it. Tell us the full picture accurately, including tax debt and credit history, and we'll tell you what's realistic. Start your enquiry.
About the way-out finder
What does the way-out finder actually do?
It asks five questions about the pressure on your business, property, core profitability, timing and whether administration has been raised, then ranks the funding routes most worth exploring first. It runs in your browser and nothing is stored or sent.
Why does it ask whether the business is profitable at its core?
Because borrowing can fix a timing problem or a one-off debt, but it can't fix a business that loses money on every sale. If the core isn't viable, the honest answer is to talk to your accountant before taking on new debt, and the finder says so.
Is the ranking a recommendation or an approval?
Neither. It's a starting point for a conversation. A lending specialist will look at your full circumstances before suggesting anything, and there's no credit check when you first enquire.
Someone has already mentioned administration. Is it too late?
Not necessarily. Until an administrator or liquidator is appointed, the directors still run the company and can explore refinancing. If funding can clear the pressure and the business trades profitably, it may be worth looking at before any appointment.
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