Business Equipment Finance with Bad Credit

We love nothing more than to help Australian businesses get back up onto their feet. Times are tough, but together, we’re tougher. Finance One Commercial understands the challenges business owners face on a day to day basis. We’re here to help offer you a second chance.

Apply For a Business Loan

Finance One Business Equipment Loan

We realise that money can be tight in business and so we offer Business Loans with zero judgement even if you have a bad credit history. Your credit history can stay in the past – we focus on your future by taking a personalised approach to lending. If you’re looking for a Business Loan for Equipment, we may be able to help.

Loans from $8,000 to $150,000?
Loan terms from 3 - 7 years
Approvals in as little as 24 hours

What can I use a Business Equipment Loan for?

Finance One Commercial understands that financial situations can be complicated. We have helped thousands of everyday Australians in similar situations. We can offer Business Loans for:

Forklifts
Tools
Commercial equipment
Office equipment
Safety equipment
and more

Can I apply for a Business Equipment Loan?

We take a flexible approach when assessing your application and can provide solutions even if you have been discharged from bankruptcy in the past, have poor or bad credit history, or have defaults on your credit file.

Income

Are you receiving regular income?
Borrow

Do you want to borrow between $8,000 to $100,000?
Age

Are you at least 18 years of age?
Credit History

Defaults on your credit file or discharged from bankruptcy?

Because we believe in second chances

Flexibility

Finance One customers can make extra repayments or increase their repayment amount at any time.^

100% Aussie

With offices in Townsville and Brisbane, our team is ready to assist you in finding financial success.

Support

Our dedicated support team will get to know you and provide personalised service.

Frequently asked Questions

What is a Business Loan?

A Business Loan is a loan for a vehicle or funds that will be used wholly or predominantly for business purposes.

Can I apply for a Business Loan from Finance One Commercial if I have a bad credit history?

Yes! Finance One Commercial can consider applicants whose credit history includes defaults, previous bankruptcies, insolvencies or Part IX Debt Agreements.

How long do I need to have my ABN before I can apply for a Business Loan?

Finance One Commercial can consider applicants who have had an ABN for 6 months or more and who are earning consistent income.

Do I need to be registered for GST?

While you do not need to be registered for GST to apply for a Business Loan with Finance One Commercial, some loan products are only available to GST-registered applicants.

How long could it take for my Business Loan application to be processed?

If you have provided all the information required, we may be able to get back to you within 24 hours*.

What documents do I need to provide when I apply?

At a minimum, Finance One Commercial requires:

A completed application form;
A signed Privacy Consent form;
Identification documents; and
The most recent six months of bank account statements of the business, submitted via the secure bankstatements.com link we provide to you.

What could my interest rate be?

Our interest rates can vary depending on your business’ overall credit profile. This includes, but is not limited to, your business’ credit history, turnover, banking conduct, and the stability of its income and your residency status.

Apply for a loan online now

Apply Online Now Speak to a loan expert

*24-hour approvals are subject to satisfactory documentation being provided to assess the application.
**Loans between $75,000 – $150,000 must be property backed.
#Early repayment fees may apply – please refer to your loan terms or contact us to confirm if an early payout fee applies to your loan.
Normal lending criteria, terms & conditions and fees & charges apply.