About Alternative Business Loans

Alternative Business Loans helps Australian businesses that banks and many finance companies turn away: bad credit, ATO debt, new ABNs, irregular income and low doc. Unsecured funding from $5k to $500k and property-secured loans from $20k to $5m.

Alternative Business Loans is a division of Company Cash Pty Ltd (ACN 673 762 297), based at 1341 Dandenong Road, Chadstone VIC 3148. We help businesses in every Australian state and territory, from capital-city cafes to regional farms.

Why we exist

A lot of good businesses do not fit a lender's checklist. The owner who restarted after a failed venture, the builder carrying a tax balance through a slow-paying project, the importer whose revenue lands in big lumps, the tradie who went out on their own eight months ago. A scorecard sees risk flags. A person can see a business that works, and a sensible way to fund it.

Watch our 30-second explainer for the short version.

What we can arrange

• Unsecured and cash flow funding typically $5,000 to $500,000, sized on turnover and bank statements. Low doc options that lean on business bank statements.
• Property-secured business loans from $20,000 to $5,000,000 by first mortgage, second mortgage or caveat. No valuation needed before approval on property-secured loans. Interest can be prepaid or added to the loan on property-secured loans.
• Bad credit, ATO debt, new ABNs and irregular income considered case by case. We weigh what happened, when, and what the account shows now.
• Speed when it matters. Funded in as little as 24 hours on straightforward deals once documents are signed; smaller unsecured amounts can also move quickly once statements are verified.

How we work with you

• No credit check to enquire. Find out what is realistic first. A check only happens if you decide to apply.
• No spray and pray. We do not sell leads or fire your details at a panel of lenders.
• A real person on your file. Someone used to declined and unusual deals reads your enquiry and calls you.
• Accurate answers save time. The more honestly the form describes your situation, credit history included, the faster we can match you properly.

What you will find on this site

Detailed pages on every alternative loan option, every common reason for a decline, how lending works in your industry and your city, six calculators, a glossary and in-depth guides checked against official sources such as the ATO, ASIC and business.gov.au. We do not publish interest rates because every loan is priced on the individual business.

Ready? Start a 60-second enquiry or call (03) 8538 1446.