Bad Credit Business Loans Australia – Fast Funding for Challenging Credit

Struggling with poor credit history? At Innovate Funding, we specialise in Bad Credit Business Loans from $50K–$20M, secured by real estate, and structured for business or investment purposes. Whether you’ve been declined by traditional lenders or need urgent capital, we focus on the strength of your property and your exit strategy not your credit score.

​

What Is a Bad Credit Business Loan?

A Bad Credit Business Loan is a funding solution for business owners, sole traders, and investors who may have been declined by banks due to defaults, arrears, court judgements, or poor credit history. These loans are typically secured against property strictly for business or investment use; not personal or consumer lending.

Innovate Funding offers tailored private loan solutions for borrowers with:

• ATO debts or payment plans

• Credit defaults or judgments

• Mortgage arrears or refinance urgency

• Discharged bankruptcies or ex-Director history

• Existing caveats or second mortgage requirements

Why Choose a Private Lender for Bad Credit Loans?

Banks often won’t look past your credit file but private lenders like Innovate Funding focus on the strength of your security, the purpose of the loan, and your repayment strategy. We understand that bad credit doesn’t mean bad business. Whether it’s a short-term cashflow squeeze, unexpected ATO debt, or a refinance to avoid foreclosure, we provide real-world funding based on asset value, not your past credit mistakes.

Key benefits:

• Loans from $50K to $20M

• Settlements within a week

• First & second mortgage options

• Flexible terms from 3–12 months

• Available Australia-wide: metro, regional, and rural

​

Common Use Cases for Bad Credit Business Loans

Private bad credit loans are commonly used to solve urgent business challenges, protect assets, or seize opportunities that traditional lenders won’t support. Typical scenarios include:

• ATO & Tax Debt Resolution: Prevent garnishee orders and settle tax obligations quickly

• Refinancing Arrears or Expired Loans: Pay out existing lenders, caveats, or overdue mortgages

• Business Cash Flow & Working Capital: Access urgent funds to meet payroll, rent, or suppliers

• Asset Protection: Prevent repossession, foreclosure, or forced sales

• Equity Release: Tap into existing property equity to reinvest or cover obligations

All loans must be used for business or investment purposes.

​

Real Loan Scenarios

$750K Refinance – NSW
A client with multiple defaults and a caveat on title needed urgent funds to pay out a private lender. Innovate Funding provided a second mortgage facility, settled within 48 hours.

$300K ATO Debt Resolution – VIC
A business owner with ATO arrears and declined bank finance accessed a short-term loan secured against investment property. Loan approved with no credit check.

$1M Business Expansion – QLD
A discharged bankrupt with strong equity secured funding to expand a wholesale business. Loan structured as a low-doc second mortgage over two commercial sites.

​

Key Reasons Borrowers Choose Us:

Getting approved is simple, we cut through the paperwork and focus on solutions, not obstacles.

• Initial Scenario Review: Speak with our team and outline your funding needs, credit situation, and available security.

• Indicative Offer Within Hours: We’ll provide tailored terms, loan structure, and pricing — no upfront obligation.

• Fast Valuation & Approval: Once accepted, we order valuation and complete legal documentation swiftly.

• Settlement within a week: Receive funds directly into your nominated account, ready to act on urgent needs.

​

Apply Today – Private Business Loans for Bad Credit

If your bank has said no, Innovate Funding is ready to say yes. We specialise in private business loans for borrowers with bad credit, defaults, or non-conforming profiles. Our flexible, asset-based lending model means you can still access serious funding — fast.

📞 Call 02 8919 3639 or enquire online to get started today.