Business Loans for Bad Credit in Melbourne

Bad Credit Business Loans

Don’t be held back by a bad credit history.
Apply for a business loan with Finance One Commercial.

We all need a little bit of help every now and then, which is why at Finance One Commercial, we offer a range of business loans for bad credit in Melbourne which are designed to assist business owners, even if they have a bad credit history. Our team may be able to offer your business the finance it needs to take the next step, whether that be purchasing new machinery, equipment, or vehicles.


Our business finance loans in Melbourne can offer you a second chance to help ensure that your business receives the boost it needs to propel forward and achieve the best possible results in any industry. Our philosophy in the world of finance is that everyone deserves a second chance and at Finance One Commercial, we are here to help deliver that chance with as minimal paperwork as possible and fast approval times so you can get on with your business, minus some of the financial stresses.

Personal Loan Range

Loans from $8,000 to $125,000**

Personal Loan Term

Loan terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 48 hours*

We offer a wide range of business finance for bad credit.

At Finance One Commercial, we offer a range of business finance loans for bad credit in Melbourne to help your business get through those tough spots that we all may experience from time to time. Our business loans in Melbourne are fast and may be suitable for all kinds of business needs, from vehicle to machinery and equipment finance. We can help you to realise your dreams in business without some of the pesky credit checks getting in the way. 

Our fast application and even faster approval processes make Finance One Commercial loans some of the simplest commercial finance in Melbourne. At Finance One Commercial, we believe in your business and we want to be the ones who are helping to empower you to achieve your goals.

  • Company cars
  • Utes
  • Trucks
  • Tractors
  • Earth moving equipment
  • Forklifts
  • Commercial use lawn mowers
  • Trailers
  • Food trucks
  • Company car loans
  • Ute loans
  • Truck loans
  • Tractor loans
  • Earth moving equipment loans
  • Forklift loans
  • Commercial use lawn mower loans
  • Trailer loans
  • Food truck loans

Can I qualify for a
Finance One Commercial Business Loan?


Have you been receiving regular income under your ABN for 6 months or more?

Step 2


Do you want to borrow between $8,000 to $125,000?**


Are you at least 21 years of age?

Step 2

Credit History.

Sole traders – defaults on your credit file or discharged from bankruptcy?

Apply for Business Vehicle or Equipment Finance.

To apply for a business loan, you will need your ABN/ACN, driver’s licence details, basic details about your business (operating years, structure, and turnover) and business account statements.

Fast business finance in Melbourne.

Consult our frequently asked questions  below for more information on our business loans and finance in Melbourne or contact our friendly team at Finance One Commercial today to discuss how we may be able to help support your business in achieving growth and success with our range of business loans for bad credit in Melbourne.

Let us answer your questions.

What documents do I need to apply for commercial business loans with bad credit in Melbourne?

The minimum documents we require for you to apply for one of our business loans for bad credit in Melbourne inlcude:

  • Personal identification documents
  • 6 months of bank statements for your business
  • Completed application form and privacy statement

We try to keep the paper on the light side for you so that the process of applying for a business loan with Finance One Commercial is as simple and easy as possible.

What is different about a Finance One Commercial business loan for bad credit?

A business loan for bad credit is finance which is provided to businesses who may suffer from a bad credit history due to a range of conditions that may have been encountered in the past such as bankruptcy or bad debts, or for businesses who are unable to gain approval for business loans with other lenders due to a simple lack of credit history to show. This is where Finance One Commercial business finance in Melbourne comes in. We may be able to offer these businesses the finance that they require, without the stringent requirements that may be needed with a business loan through another lender.

What kind of businesses can apply for Finance One Commercial business loans in Melbourne?

There are no restrictions as to how large or small a business must be, nor the industry they operate in when you apply for Finance One Commercial finance and loans in Melbourne. Any and all businesses are welcome to apply for our business loans with bad credit in Melbourne, so long as they have had an active ABN for at least 6 months.

How do I apply for business finance and loans in Melbourne?

Applying for your business loan with Finance One Commercial is as simple as completing our online application form with all the required documents. Once all of your required documents are received, our team will try to process your loan within a 24 to 48-hour window.*