Stage 2 · See it like a lender
What lenders look at: business loan requirements
Lenders aren't mysterious once you know their checklist. Here's what they look at, why each thing matters and how to show yours in the best light.
Business loan requirements
Business loan requirements in Australia, explained for first-timers: ABN, trading time, turnover, bank statements, credit history, tax position and security.
Read more →How long you've traded
How long do you need to be trading to get a business loan? Why lenders care about time in business, typical expectations, and options if you're newer.
Read more →Turnover and bank statements
Is there a minimum turnover for a business loan? How lenders read turnover and bank statements, what they like and dislike, and quick ways to tidy yours.
Read more →Credit score
What credit score do you need for a business loan in Australia? How scores work, what lenders read on your file, how to get a free report and what helps.
Read more →Ability to repay
How lenders check whether your business can afford a loan: cash flow, existing debts, tax and buffers. Plus a simple method to test repayments yourself first.
Read more →New business loans
Can a new business get a loan in Australia? What lenders need from businesses under 12 months old, the options that exist and how to build your case.
Read more →ABN and GST
Do you need an ABN or GST registration for a business loan? Why lenders check both, the $75,000 GST threshold, and what it means if you're not registered yet.
Read more →Bad credit or ATO debt
Can you get a first business loan with bad credit or ATO debt? How lenders view each, what helps your case, and why honesty up front matters most.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray and pray
A real person, in plain English