Will you lend to me if my business is new?

Possibly, and property is usually the deciding factor.

Often, yes. At six months you usually have two quarters of bank statements and one or two BAS lodgements, which gives a lender a real pattern to read.

With property, yes, it can work. A brand-new ABN tells a lender the business has little or no trading record yet, so unsecured lenders generally can't size a limit.

Often, yes. When you've just bought an established business, a lender can look at two histories: the business's track record under the previous owner and your own background.

Yes. Being a sole trader doesn't stop you getting a business loan.

It's case by case. A lender sees a recent industry change as a partial reset: your old track record shows you can run a business, but not necessarily this one.

Usually, yes, if you can show the link. Moving from sole trader to a company creates a new entity with a new ABN and ACN, so on paper it looks brand new.

Only with property security, in most cases. Without any revenue there's no turnover for an unsecured lender to size a loan on, so those options are generally closed.