When the business is you
Business loans for sole traders and micro businesses
Sole traders, one-director companies, couples and home-based owners: how lenders look at a business that is really one or two people, and how to borrow well.
Sole trader business loans
A sole trader business loan is assessed on you as much as the business. What lenders check, which options fit, and how to borrow without tangling your life.
Read more →One-director companies
Running a Pty Ltd on your own? How lenders assess a one-director company, why they still ask for your guarantee, and how to keep the lines clean.
Read more →Micro business loans
Micro business loans for owners with a handful of staff or none. What lenders look at, how much makes sense to borrow, and when property security helps.
Read more →Couple-run businesses
Run the business with your partner? How lenders treat husband-and-wife partnerships and family companies, who signs what, and how to protect both of you.
Read more →Home-based businesses
Run your business from home? How lenders assess home-based businesses, what loans can fund, and why working from home is not the same as using it as security.
Read more →Employed with an ABN
Building a business on the side of a PAYG job? How lenders view wage income plus an ABN, what they'll lend on, and why the business purpose must be clear.
Read more →Sole traders with bad credit
As a sole trader your credit file is your business's credit file. How lenders weigh past defaults, what still works, and how to present your history honestly.
Read more →Sole trader ATO debt
A sole trader's ATO debt is a personal debt. How it affects borrowing, what lenders consider, and how to clear or refinance it without making things worse.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
One person, not a lead list
A real conversation