Business Equipment Finance with Bad Credit

Personal Loan

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

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.

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.  

Personal Loan Range

Loans from $8,000 to $150,000**

Personal Loan Term

Loan terms from 3 - 7 years

Personal Loan Time

Approvals in as little as 24 hours *

What can I use Business Equipment Finance for?

Finance One Commercial understands that financial situations can be complicated. 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. 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
  • Forklifts
  • Tools
  • Commercial equipment
  • Office equipment
  • Safety equipment
  • and more

Do I qualify for a
Finance One Commercial Business Loan?


Have you been receiving regular income under your ABN for at least 6 months?

Step 2


Do you want to borrow between $8,000 to $150,000? **


Are you at least 21 years of age or older?

Step 2

Credit History.

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

Why Finance One Commercial? Because we believe in second chances.

Finance One Commercial takes a compassionate and flexible approach to lending to everyday Australians.

We strive to find finance solutions for everyone – even those who have been rejected by the banks. We go above and beyond to help provide smart solutions to your finance problems.

Flexible Loan Repayments


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

100% Aussie

100% Aussie

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

Personal Loan Time


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

Apply for Business Vehicle & 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.

Let us answer your 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 48 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.