Bad Credit Business Loans up to $750K | Axle Capital
Bad credit business loans

Bad credit? We still say yes.

Get up to $750,000 with no credit check to apply. Defaults, tax debt, judgments and a low score won’t stop you — we fund on how your business trades today, often within 24 hours.

No personal credit check to apply
Defaults, tax & ATO debt welcome
Judged on cash flow, not a score
Quick quote Step 1 of 4
What do you need the funds for?
How much do you need?
$150,000
$10K$750K
What’s your average monthly revenue?
$30,000/mo
$0$200K+
Where should we send your quote?
No credit check to apply · No obligation. By continuing you consent to be contacted about your enquiry and our products, offers & services by phone, SMS & email — see our Privacy Policy.

We can’t fund this one just yet

Axle only funds businesses turning over $10,000+ per month. Come back once you’re there — we’d love to help.

You’re in — nice work.

We’re taking you through to finish up. Connect your statements and we’ll get your Express quote back to you fast.

Why Aussie businesses choose Axle

Get a quick quote

No credit check to apply

Getting a quote won’t touch your credit file, so it won’t affect your score. We only run any check if you choose to proceed.

We look past defaults & ATO debt

Past defaults, tax debt, judgments and arrears don’t automatically rule you out — we can often help consolidate them too.

Judged on cash flow, not a score

We assess how your business is actually trading right now from your bank statements — so a rough patch on your file doesn’t decide your future.

Funded in three simple steps

Get a quick quote
1

Get your quote

Answer a few quick questions and see what you qualify for — under a minute, with no credit check to apply.

2

Connect & decide

Securely connect your bank statements so we can read your real cash flow, and get a decision fast.

3

Get funded

Accept your offer and the money lands in your account — often the same business day.

Finance you can count on

No jargon, no surprises, no hoops to jump through — just fast, straight funding to take your business to the next level.

No credit check to apply

Getting a quote won’t touch your credit file or affect your score.

Defaults & tax debt OK

Past defaults, ATO debt and arrears don’t automatically rule you out.

Decided on cash flow

We read how your business trades today — so more good businesses get a yes.

Funded fast

Approved on your real numbers and funded in as little as 24 hours.

Who can apply?

Active ABN
3+ months trading
$10,000+ monthly revenue

A yes when the banks say no

$750K
Maximum loan
$0
Credit check to apply
3 mths
Min. trading
100%
Online application

Hear from businesses like yours

Real Aussie business owners on what it’s like to get funded with Axle.

★★★★★
Applied at 11am, money was in our account by 3pm the same day. Used it to bulk-buy beans before the price hike — saved more than the loan cost us in interest. Could not be easier.”
$35,000 funded in 3hr 47m
MC
Marcus Chen
Owner · Northbridge Coffee Co.
★★★★★
Our usual broker was going to take three weeks for a $75k working-capital loan. Axle had it sorted before I’d finished my second coffee. Genuinely changed how I think about business finance.”
$75,000 funded in 3hr 48m
SW
Sarah Williams
Director · Acme Construction Pty Ltd
★★★★★
My credit wasn’t perfect after COVID. Three banks said no without even reading my file. Axle came back to me in 60 seconds and funded the clinic renovation the same afternoon.”
$60,000 funded in 4hr 02m
PS
Priya Singh
Founder · Bloom Allied Health

Questions? Answered.

Yes. We don’t score-gate applications. We assess how your business is trading right now from your bank statements, so defaults, a low score or past arrears don’t automatically rule you out.

No. Getting a quote doesn’t pull your personal credit file, so it won’t affect your score. We only run any checks if you choose to proceed to settlement.

Not necessarily. We regularly fund businesses carrying ATO debt or on a payment plan, and in many cases we can help consolidate it into one facility.

Up to $750,000, depending on your revenue and how your business is trading. The stronger your cash flow, the more we can do — regardless of your credit history.

An active ABN, at least 3 months trading, and $10,000+ in monthly business revenue.

Bad credit? Let’s go.

No credit check to apply. A quick quote takes under a minute, decided on how your business trades today.

Get a quick quote →
Get a quick quote →