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

Bad credit? We still say yes.

Up to $750K with no credit check to apply. Funded in as little as 24 hours.

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

Smiling lending specialist talking with a business owner
Real people. Straight answers.
Quick quote Step 1 of 3
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.

No credit check to see your options

Recently funded

Real businesses. Real credit histories.

A few of the business owners we’ve funded recently, including with bad credit.

Why Aussie businesses choose Axle

Get a quick quote

Real specialists, not a call centre

You deal with a named lending specialist who reads your whole file and explains your options in plain English.

No credit check to apply

Getting a quote won’t touch your credit file or your score. We only run a check if you choose to go ahead.

Defaults & ATO debt considered

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

Judged on cash flow, not a score

We assess how your business trades right now from your bank statements, so a rough patch doesn’t decide your future.

Funded in as little as 24 hours

Quote in under a minute, a fast decision once your statements are in, and money in your account, often the same business day.

Up to $750,000

From $10,000 for a cash flow gap to $750,000 for growth, stock, equipment or refinancing expensive debt.

Talk to a real person about your businessYour dedicated specialist looks after your application from quote to funding.
Get a quick quote →

Get multiple offers with a single application

One quick application, no credit check to apply. We line up the options that suit how your business trades, so you can compare them side by side and choose.

  • Borrow $10,000 to $750,000
  • Rates from 10% p.a.
  • No credit check to apply
  • Defaults & ATO debt considered
  • Funded in as little as 24 hours
See my options →

Sample business loan offers

LenderAmountRate p.a.Term

* Sample offers shown. Your actual offers depend on your business, its cash flow and your credit history. Rates are indicative only and not an offer of credit.

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.

How do bad credit business loans work?

You tell us what you need, we look at how your business is trading from your bank statements rather than just your credit score, and the money lands in your account. You repay in regular fixed instalments.
Cost

Rates start from 10% p.a. Yours depends on your cash flow, your credit history and the loan. Defaults and ATO debt are considered, not an automatic no.

How to qualify

An active ABN, 3+ months trading and $10,000+ monthly revenue. Bad credit is no barrier to applying.

Timeline

Quote in under a minute, a fast decision once your statements are in, and funds in as little as 24 hours.

Get my rate

Combine your business debts.
Free up cash every month.

Juggling a short-term loan, an ATO payment plan and an equipment loan? Rolling them into one loan could cut what goes out each month, even with a past default.

Before: 3 debts ~$8,784/mo
DebtRateEst. monthly
Short-term loan ($45,000)32.9%~$4,451/mo
ATO payment plan ($30,000)11.17%~$2,654/mo
Equipment loan ($25,000)24.9%~$1,679/mo
After: one business loan ~$3,663/mo
18.95% p.a.36 month term
$100,000 consolidationFrees up ~$5,121/mo

Hypothetical example for illustration only. Assumes a $45,000 short-term loan at 32.9% p.a. and a $30,000 ATO payment plan at 11.17% p.a. (general interest charge), each with 12 months remaining, plus a $25,000 equipment loan at 24.9% p.a. with 18 months remaining (about $8,784 a month in total), versus one $100,000 loan at 18.95% p.a. over 36 months. Not an offer of credit. Actual rates, terms and fees depend on the lender, your business and your credit profile, and savings aren’t guaranteed. A longer term means paying more interest overall.

Borrow $10,000 to $750,000 · rates from 10% p.a.For cash flow, stock, equipment, growth or refinancing expensive debt. No credit check to apply.
Get my rate

When to consider a bad credit business loan

It works best when all of these are true

  • Your business turns over $10,000 or more a month, has an active ABN and has been trading 3+ months.

  • The money will help the business earn or save: cover a cash flow gap, buy stock, take on a bigger job or clear expensive debt.

  • Your credit issues are behind you or under control, like a paid default or an ATO payment plan you’re keeping up with.

  • Your cash flow can comfortably cover regular repayments for the length of the loan.

Knocked back by the bank? Let’s try again.
Check my options

Business loans by industry

We fund businesses across thousands of trades and industries. Find yours, even with bad credit.

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 →