Check Your Eligibility

Loan amounts, terms & repayments

Loan sizes:

Up to $250,000 unsecured. Larger loans may be available with full financials.

Terms:

Typically 3 to 24 months, depending on lender and risk profile.

Repayments:

Daily or weekly repayments are common, aligned with cashflow.

Security:

Many bad credit loans are unsecured. Some lenders may ask for security at higher amounts.

Loan Structure
Loan Structure

How the process works

Scenario discussion:

Share your funding needs, trading history, and monthly revenue.

Documentation:

Provide 6 months of bank statements and photo ID. Defaults or judgments will be disclosed, but lenders will focus on your revenue.

Assessment:

Lenders evaluate your ability to repay based on cashflow, not just credit score.

Conditional approval (~2 hours):

An indicative offer is provided, subject to final checks.

Signing & funding:

Once documents are signed, funds are usually released within 24 hours.

Documentation checklist

For unsecured loans up to $250k:

•6 months of business bank statements
•Photo ID
•ABN details

For larger loans:

•BAS or financial statements
•Additional documents depending on lender requirements

The process is designed to be straightforward, even if your credit history has complications.

Loan Structure
Loan Structure

When bad credit loans make sense

A retailer

recovering from a tough year but needing stock for peak season.

A tradesperson

with a past default who needs equipment to fulfil new contracts.

A small business owner

managing ATO debt but still generating consistent revenue.

A startup

that had a rocky first year but is now trading steadily.

In all these cases, the repayment event is predictable, making bridging finance a safe and practical option.

Why work with Ezy Pzy Finance?

1

Not a lender or broker:

We’re an introducer—our job is to connect you with the most suitable lenders who specialise in bad credit.

2

Multiple finance options – with no upfront credit checks.

Many of our lenders can provide indicative finance options upfront, without running any credit checks.

3

Speed & clarity:

We streamline the submission process and keep communication clear so you know what’s next.

4

Specialised focus:

We work specifically with fast, low-doc business funding providers for Australian ABN holders.

5

Hands-on support:

We guide and streamline the process for you, saving you hours of work and saving you money through our extensive expertise and strong lender connections.

6

Consistency:

A dedicated point of contact ensures your case moves quickly from scenario to funds received in your account.

How It Works Illustration1
How It Works Illustration2

Ready To Secure Fast Funding For Your Business?

Whether you require funds for cashflow support, payroll, stock, or growth opportunities, Ezy Pzy Finance makes it simple. We’ll connect you to the right lenders who specialise in fast, low-doc finance. Approvals in as little as 2 hours, funding in as little as 24 hours.

Take the next step – with no credit checks to see your finance options and no-obligations, all it takes is just 60 seconds to check your eligibility. Click the button below to get started now.

Check Your Eligibility Now

FAQ's (Bad Credit Business Loans)

Can I really get a loan with bad credit?

Yes. Many specialist lenders consider your revenue and trading history, not just your credit score.

What’s the maximum amount available?

Unsecured loans up to $250k are common. With financials, higher amounts may be possible.

How fast is the process?

Conditional approvals in about 2 hours, with funds available within 24 hours of signing.

Will applying affect my credit score?

Introductions don’t affect your credit. Lenders may run a credit check if you proceed with an application.

What documents are required?

6 months of bank statements and photo ID are usually enough for conditional approval.

Are bad credit loans more expensive?

Yes, they can carry higher costs due to increased risk. However, they provide access to finance when other avenues are closed.

Can repaying improve my credit?

Yes. Making consistent repayments can help rebuild your business credit profile over time.

What can funds be used for?

Any legitimate business purpose: stock, payroll, suppliers, marketing, tax bills, or working capital.