Property & people
Will you lend to me without property, or with a tricky set-up?
No property, a partner's property, land, a trust, a home that's already mortgaged or a director overseas. What security and structure change about the answer.
What you can offer as security — and who owns it — shapes which doors are open. No property points you towards unsecured options for trading businesses. Property in a partner's name, a trust, land or commercial premises can all work with the right paperwork.
Property-secured business loans run from $20,000 to $5,000,000 through first mortgages, second mortgages and caveat loans over residential or commercial property. Pick the set-up that matches yours.
Yes, if your business is trading. Unsecured, cash-flow and line-of-credit options for trading businesses — typically $5,000 to $500,000 — don't need property.
Read the answer → …the property is in my partner's name? Yes, with their agreementYes, with their genuine agreement. A partner, parent or other family member can offer their property as security for your business loan, usually by giving a mortgage and a guarantee.
Read the answer → …I have property equity but not much income? Often, yesOften, yes. Property-secured business loans lean mainly on the equity in residential or commercial property and a clear plan to repay, rather than income alone.
Read the answer → …I'm on a visa or a director lives overseas? Case by caseCase by case.
Read the answer → …the property is owned by a family trust? Usually, yesUsually, yes.
Read the answer → …my only property is vacant or rural land? Case by caseCase by case. Vacant and rural land can secure a business loan, but lenders are more cautious because land usually earns no income, can take longer to sell and is harder to value.
Read the answer → …my home already has a mortgage? Often, yesOften, yes.
Read the answer → …my security is a shop, factory or warehouse? YesYes. Commercial property — shops, offices, factories, warehouses and similar — can secure a business loan through a first mortgage, second mortgage or caveat.
Read the answer →Other kinds of “will you lend to me if…”
New business
Three months in, a fresh ABN, a business you just bought, a switch from sole trader to company — here's what lenders actually do with a short history.
See the questions →Credit & tax debt
Defaults, ATO debt, a bank knock-back, a past bankruptcy or a company that didn't make it. Each one is a question, not an automatic no.
See the questions →Income & paperwork
Tax returns not done, a loss year, BAS behind, takings dropped or one customer paying most of the bills. Here's how each is weighed.
See the questions →Can't see your exact situation?
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