Bad Credit Loans
Bad Credit Loans
No personal credit check. 3-hour pre-approval. We fund on how your business performs today — not your credit history. Defaults, ATO debt and judgments welcome.
Lodge your application below. No personal credit check — we won't touch your credit file.
A bad credit specialist will call you within 60 minutes during business hours to get you pre-approved.
Within 60 minutes during business hours.
Free analysis of your current borrowing capacity.
No impact on your personal credit score.
A bad credit expert calls you within 2 hours.
Your details stay private. Zero obligation.
No personal credit check. Just 3 quick questions.
Based on your answers, you could qualify for up to $0.
Tell us where to send your pre-approval — we'll be in touch within 60 minutes.
A bad credit specialist will get you pre-approved within 60 minutes during business hours.
We get it. Other lenders score on history. We look at how your business is performing today — your revenue, cash flow, and trajectory.
Tax debt, defaults, even paid judgments don't automatically disqualify you. We've funded businesses through all of it.
No personal credit check at this stage. Your business gets assessed on its own merits — not your past mistakes.
We turned the lending model on its head. Here's how we assess your business compared to traditional lenders.
Drag the slider to your monthly revenue.
Fill in the form below. Takes 2 minutes. No credit check at this stage.
One of our bad credit specialists will get you pre-approved within 60 minutes during business hours.
Approved deals can settle the same day. Funds direct to your business account.
After three lenders said no because of an old default, Axle had us approved in under 24 hours. Saved our business.
We had ATO debt and thought we were stuck. Axle still got us $150K to bridge cash flow while we sorted it out. Game changer.
Honest people. They told me upfront what they could and couldn't do. The funding came through fast and the rate was fair given my history.
No. At enquiry and pre-approval stage, we don't pull your personal credit file. We assess your business on its own performance.
Defaults, paid judgments, tax debt, ATO arrears, prior arrears, and most credit blemishes are all considered. The exception is current bankruptcy.
Most pre-approvals happen within 3 hours of enquiry during business hours. Same-day settlement is available for approved deals.
Up to $750,000 for unsecured bad credit business loans. If you have property you can offer as security, we can go higher.
Rates for bad credit loans are higher than prime business loans — typically starting from 14% p.a. We'll give you exact pricing once we've assessed your situation.
No. Filling in our form does not pull your credit file. We only do a soft check if you formally proceed to settlement, and we tell you upfront.
Fill in your details below — we'll get you pre-approved within 60 minutes.
One of our bad credit specialists will be in touch within 2 hours during business hours to walk you through your options.
No personal credit check. No obligation. Just real answers from a bad credit specialist.
Drop your details and we'll get you pre-approved within 60 minutes. No personal credit check.