Flexible Commercial Loans for Every Situation
Supporting Your Business: Flexible Commercial Loans for Every Situation
When you need finance for your business, you want options that fit your situation—especially if you’ve hit a few bumps along the way. We’re here to help you move forward, no matter your credit history, with commercial loans designed for real-world challenges and growth.
We Say Yes When Others Say No
Defaults on Your Credit File? No worries. We work with a broad range of lenders who look beyond past credit hiccups and focus on your business potential.
Loan Amounts: Access commercial loans from $8,000 up to $150,000—so you can invest in the equipment or assets you need, when you need them.
Flexible Terms: Loan terms available for up to 7 years (84 months), with repayments tailored to suit your cash flow.
Asset Flexibility: We accept a broad range of assets as security—from trucks and machinery to farming equipment and more.
Why Choose I WANT FINANCE?
Fast approvals (24–48 hours)
Minimal paperwork
Personalised, friendly support every step of the way
Real people who care about your success
Ready to Move Your Business Forward?
Let’s talk about how we can help you secure the finance you need—no matter your credit situation or business goals.
Frequently Asked Questions
Multiple defaults reduce the pool of willing lenders, but I Want Finance still finds pathways for eligible Australian businesses through niche lenders specialising in adverse credit files. Current cash flow, security, and how long ago the defaults occurred all factor into what a lender will realistically approve.
Businesses carrying ATO tax debt can still explore commercial finance through I Want Finance, with Australian lenders assessing whether a payment plan is in place and how the debt affects overall serviceability. The broker structures the application to show lenders a realistic path to managing both the debt and new repayments.
Lenders assessing adverse credit through I Want Finance weigh the severity, recency, and cause of the default alongside current business performance across Australia. A default from years ago with strong recent trading is viewed very differently to a recent default with ongoing cash flow problems.
Businesses with defaults can still achieve reasonably fast settlement through I Want Finance across Australia when documentation is prepared upfront, and the file is pre-matched to a suitable lender. The broker avoids wasting time on lenders unlikely to approve, which shortens the overall settlement timeframe.