Need flexible working capital on tap.
Draw down funds when you need them, without reapplying each time.
For Australian business owners
Need a business line of credit? See what private lenders offer you.
Flexible business facilities and revolving credit for Australian businesses. Answer a few quick questions and a specialist will call you within 24 hours.
60-Second Eligibility CheckStep 1
No credit check to take the quiz · Free · Business purpose only
- Flexible revolving credit and working capital
- Private lenders, not just traditional banks
- Free check, takes about 60 seconds
Australian businessABN holderBusiness bankingFlexible finance
Sound familiar?
You're not out of options. The bank is only one lender.
The bank said no or moved too slow.
Traditional lenders take weeks to ask for more paperwork.
Cash flow timing gaps.
Wages, supplier orders and growth opportunities can't wait for invoice terms.
Credit file or tax arrears causing issues.
Past marks, arrears or ATO payment arrangements shouldn't stop your business.
Consolidating scattered repayments.
Replace multiple high-cost, short-term facilities with one clear limit.
How it works
No black box. Here's exactly what happens.
01
Answer a few questions.
About 60 seconds. A few quick details about your business and what you need.
02
We match you.
Your answers are checked against private lenders and specialist partners whose criteria may fit your situation.
03
A specialist calls you.
Within 24 hours, to talk through your options. Some private lenders can make a decision in as little as 24 to 48 hours once your documents are in.
What it's for
Line of credit
Cash flow buffer
Working capital
Consolidating business debt
Tax & ATO arrears
Why private lenders
Built for the businesses banks turn away.
Typical bank
Private lenders
Speed
SpeedOften weeks
SpeedCan be as fast as 24 to 48 hours
Lines of credit
Lines of creditRigid covenants
Lines of creditFlexible drawdowns
Credit history
Credit historyStrict score-driven
Credit historyArrears & past marks considered
Security
SecurityVaries
SecurityProperty-backed
Paperwork
PaperworkHeavy & slow
PaperworkStreamlined
General comparison only. Every lender sets its own criteria.
Who this is for
- You run an Australian business
- You hold an ABN
- You use business bank accounts
- You're looking for flexible business finance
Arrears, bad credit and ATO debt are considered.
What clients say
Real results from real businesses.
Questions
Good to know.
Is BFC a lender?
No. We're a referral service. We connect Australian business owners with private lenders and specialist finance partners, who assess your application.
Will the quiz affect my credit score?
No. The quiz is not a credit application and doesn't run a credit check. A lender may run one later, only with your permission.
Who is this for?
Australian business owners and ABN holders looking for flexible business finance. The quick check tells you whether the program may fit your situation.
Can I get finance with ATO debt or bad credit?
Possibly. Many private lenders consider ATO debt, arrears and past credit issues. It depends on your full situation.
Do I need to own property?
That depends on the lender. Some private lenders take property as security; the quiz helps match you to lenders whose criteria may fit your situation.
How fast is it?
A specialist aims to call you within 24 hours of finishing the quiz. Some private lenders can decide in as little as 24 to 48 hours once your documents are ready. Timeframes are not guaranteed.
Is this for personal loans?
No. Business purpose finance only.
What does it cost?
The quiz is free. Any lender or broker fees are explained to you before you go ahead.
See what you may qualify for.
60 seconds. No credit check to take the quiz.