Skip to main content Call Us

Bad Credit Business Loans & Bad Credit Business Funding
The Bad Credit Business Finance Specialists

Universal Finance offer Bad Credit Business Loans from as little as 0.999% per month. Whether you are seeking to purchase a business or simply require additional working capital for ongoing business running costs, Universal Finance is the best choice for all of your business funding requirements.

Universal Finance have the largest panel of Bad Credit Business Loan Lenders in Australia to cater for all of your Bad Credit Business Funding requirements, offering the lowest interest rates, Guaranteed!

Universal Finance have long established relationships with thousands of Private Lenders specialising in Bad Credit Business Finance, throughout Australia, so you can be certain that we will find the best product for your requirements. Universal Finance have been assisting Australian's with their Bad Credit Business Funding requirements since 1999.

  • Strong Private Lending lines since 1999
  • Fastest Settlements
  • Unlimited Defaults/Judgements and Arrears are acceptable
  • Interest rates from 0.999% per month
  • The Bad Credit Business Loan Specialists in Australia
  • No LMI
  • No Exit Fees
  • No tax returns or financials required to verify income
  • No valuation fees
  • No credit checks

Direct access to the Largest Network of BAD CREDIT Lenders in Australia

Universal Finance Specialise in No Credit Check Business Loans

Universal Finance look outside the box and no loan is too difficult. In fact, the vast majority of our clients get guaranteed approval for bad credit business loans. Our reputation as an industry leader says it all. If you have been turned away by the banks or other lenders call Universal Finance today.

We are firm believers that business growth and development should not be held back by the non-approval of business loans because of bad credit history and will do all in our power to get bad credit business loans for startups and established businesses alike.

Helping Businesses and Start-Ups Thrive

If your business is in need of an urgent cash injection and you’ve had no success finding an organisation that offers bad credit small business loans, Universal Finance can help. Our track record in gaining approvals for bad credit unsecured startup business loans is second to none and has further cemented our position as leaders in our niche sector.

We want your business to succeed and also understand that the rigid rules regarding bad credit start-up business loans put in place by banks and other lenders are simply not compatible with all businesses, so offer an alternative solution that helps businesses survive and thrive.

You may fall into one or more of the categories below:

  • Seeking to set up or purchase and have Bad Credit
  • Have Bad Credit or Arrears on your mortgage
  • Been turned away by the banks or other lenders for any type of Business Funding due to Bad Credit
  • Unable to show financials as required by the mainstream banks and other lenders in the current market
  • Seeking urgent capital for any business purpose (our business loans settle within 24-48 hours in most cases)
  • No Credit Checks for Bad Credit Business Loans

Our reputation as an industry leader in bad credit business loans says it all.

Contact Universal Finance Today!

If you fall into any of the above, and many more situations that we know can arise due to everyday life, call one of our friendly consultants today on (03) 9088 8369 or email your scenario to

• Adelaide Head Office: Suite 1/40 North East Road, Walkerville SA 5081

• Melbourne Office: Level 40, 140 William Street, Melbourne CBD 3000

• Sydney Office: Level 57 (MLC Centre) 19-29 Martin Place, Sydney CBD 2000 (by appointment only)

We also provide unsecured business finance & loans to help businesses achieve their goals.