Start with your situation
Best loan when your situation is tricky
The bank said no, you don't own property, your credit has a mark on it or you've only just started. Here's the structure we'd look at first in each case.
When the bank said no
Declined by the bank? Our verdict on the best business loan options after a bank knock-back, why banks say no, and how to avoid collecting more declines.
Read more →When you have no property
Renting, or don't want to use your home? Our verdict on the best business loans without property: unsecured loans, lines of credit and asset finance.
Read more →When your credit has marks
Defaults, late payments or an ATO debt on your record? Our verdict on the best business loan options with credit issues, and how to present your case.
Read more →When you've just started
Trading under two years? Our verdict on the best business loan for a new business: property-secured lending, asset finance, or waiting for statements.
Read more →In a slow quarter
Takings down but costs aren't? Our verdict on funding a slow quarter: a line of credit, a short loan or fixing cash flow first, and when not to borrow.
Read more →When you own property
Own a home or commercial property with equity? Our verdict on when to use it for a business loan, first vs second mortgage, and when to keep property out.
Read more →How to read our verdicts
Every page ends with a verdict box: best for, not for and what to check before you sign. We judge loan structures, never lenders, on security, flexibility, paperwork, total cost in dollars and fit to the job.
Know the best fit? Find out what you can get.
A 60-second enquiry, no credit check to ask, and one specialist who calls with an honest verdict on your real options.
No credit check to ask
Not sprayed to a crowd
A real person, honest verdict