Business Loans

The smart road to business finance.

Personal Loans

 Don’t be held back by a bad credit history
with a Finance One Commercial Business Loan.

Finance One Commercial understands that life isn’t always smooth sailing. If your business finds itself in the perfect storm unable to make ends meet, let us throw you a life ring! We leave your credit history in the past and take a personalised approach to lending when assessing your application. We’re passionate about working with everyday Aussies to provide finance for your business cash flow needs or vehicle and equipment needs.

If you’re looking for a business loan or a solution to your cash flow needs, we’ll work with you to provide the best solution for your unique circumstances even if you have a bad credit history or no credit history.

Personal Vehicle Loans

Vehicle & Equipment Loan

Company cars, trucks, tractors, forklifts or other vehicles and equipment

  • Loans from $8,000 to $75,000*
  • Loan terms from 3 – 7 years
  • Approvals in as little as 48 hours**

Learn more

*Loans between $50,000 – $75,000 are asset backed.

**48 hours approvals are subject to sufficient documentation being provided to assess the application.

Normal lending criteria, terms & conditions and fees & charges apply.

You’re not alone!

We have provided finance to many Australian businesses which have faced challenges accessing finance. We can provide a range of options regardless of whether you’ve experienced a bad credit history including defaults, judgments or bankruptcy in the past. Leave your past behind you with a business loan from Finance One Commercial.

Poor or no credit history?

Discharged from bankruptcy/Past insolvency?

Defaults on your/the business credit file?

Steps to obtaining a Finance One Commercial Loan.

Talk to our loan experts.

Call us on 1800 346 663 or complete our online form.

Step 2

Get approved.

We could have an approval to you in as little at 48 hours!*

Step 3

Pay it off faster.

Finance One Commercial only has an early pay out fee for the first two years of your loan. After that you can pay it off as fast as you like.

Do I qualify for a loan?

Apply for a Commercial Loan

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

Let us answer your questions.

I have a bad credit/poor credit history or defaults on my credit file. Can you help me?

We have finance options for applicants who have had previous poor credit including defaults, previous bankruptcies or Part IX Debt Agreements. We will consider applicants that have been discharged from bankruptcy for a minimum of 1 day.

How long does it take for a loan application to get approved?

If you have provided all of the information required to make a decision, we can have an answer back to you in as little as 24 hours and up to 48 hours.

What is a loan for business purposes?

A business loan is a loan wholly or predominantly for business purposes.

What documents do I need to provide when I apply?

The minimum documents we require for an application include:

  • 6 months of bank statements
  • Completed application form and privacy statement
What will my interest rate be?

Our interest rates vary depending on your overall credit profile including but not limited to your stability of income and residence, your credit history and your banking conduct.

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

You must have your ABN for 3 months and be earning consistent income.

Do I need to be GST registered?

For our standard business products, you do not need to be registered for GST however for our Business Express product you will need to be registered for GST.