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Bad Credit Commercial Loans

  • Free Loan Assessment!
  • Competitive Interest Rates
  • Pre-Approvals In Under 60 Minutes*

Need A Business Loan?

Don’t Meet The Banks Criteria? No Worries…..

Looking for a business loan but you have bad credit and the banks keep saying no? you haven’t completed any tax returns due to time restraints or other reason and lenders keep asking for them when you apply for finance? don’t let bad credit or having no tax returns hold you back, auto link finance offers you the opportunity to get finance providing you meet the below criteria, if you do then don’t wait any longer, Apply Now with us!

Our commercial loan product is available for the purchase of Passenger and Light Commercials, Small to Medium Trucks, Specialised Heavy Commercial vehicles, Motorcycles, Buses, Backhoes, Excavators, Forklifts, Trailers, Boats, Tractors, and other mobile Plant and Machinery Equipment.

Need To Raise Capital

We Can Help…

Do you have an asset that you own outright and you need to raise some capital for your business for cash flow, pay a tax debt, need funds for marketing, pay off some unexpected large bills or you need some cash to help you over a quiet period in your business, then apply now and choose capital raising on the application drop down list.

Auto Link Finance are able to raise funds from a number of commercial goods.  Unlike major institutions, we do not discriminate between goods, industries or profiles and our terms are flexible, providing tailored solutions to meet your needs and goals.

Our team of dedicated loan specialists can provide you with information and access to financial solutions that will allow you to grow your business.

Quick. Easy. 30 Years’ Experience.

Let us find the right commercial loan for you with our free loan assessment.

Our commercial loan specialists will guide you through the process of selecting the most suitable secured commercial loan available to you based on your individual needs and circumstances.

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Free Loan Assessment!

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Same Day Approval*

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variety of Loan Options

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Interest Reducing Loans

We Do All The Work, So You Can Enjoy The Ride.

Ready To Apply?

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Commercial Loan Details.

  • Loan Amounts From: $10,000 – $125,000
  • No Doc Loans From $10,000 to $25,000
  • Loan Terms From: 12 – 84 Months*

Income Verification:

  • No Doc Loans – No income verification required
  • Full Doc Loans – Either 3 months Business Bank Statements to be supplied showing consistent income, or latest tax return

Age Of Goods / Security:

  • No age restriction of good to be financed.
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Requirements List.

Must Meet These Requirements;

  • Sole Trader or Company – From start up to established. (conditions apply from start-up businesses)
  • Uber Drivers must be minimum 3 months trading & 3 months ABN registered
  • Preferably No pay day lender activity
  • Permanent residents only – no Visa Holders
  • No Negative Equity

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Defaults - Judgements

  • No unpaid finance defaults or Judgements over $3,000 within 2 years (Unless it has been under a payment arrangement for at least 3 to 6 months)
  • No unpaid finance defaults or judgements over $7,000 in the last 5 years (Unless it has been under a payment arrangement for at least 3 to 6 months)
  • Discharged Bankrupts accepted – 6 months after discharged
  • Discharged Part 9 accepted – 6 months after discharged

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Commercial Vehicle Finance

If your business depends on using commercial vehicles every day, why would you compromise cash flow by purchasing them outright? Commercial vehicles like cab-chassis, curtain-siders, delivery vans, dual cabs, light trucks, refrigerated trucks, pan techs, tippers, vans and utilities are crucial to many trades and commercial enterprises.

Instead, by cleverly structuring your finance you can take advantage of asset finance, chattel mortgage, hire purchase or a leasing facility. Cash flow is preserved, the asset is generating income and the stress of growing your business is reduced.

Whether you want to refinance to improve cash flow or manage your costs, or you need to purchase new vehicles in a growing business, we’re here to help.

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Business Car Finance.

We provide finance for new and used vehicles from all the popular manufacturers. As long as the vehicles we finance are used for commercial purposes, it doesn’t matter what age make or model you choose.

You know the provision of business vehicle finance is about so much more than handling your business finance needs

It’s about being educated on how to approach every aspect of the lending facility – like taking advantage of interest, deductions and maximising the benefit to the business through clever debt structure, the net result is you are in a stronger position.

Auto Link Finance draws on over 30 years in commercial finance experience helping businesses of all shapes and sizes to get the very best value on their asset finance, chattel mortgage, leasing or novated leasing facilities – and we will work closely with you to find the most viable solution for your business

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Heavy Machinery Finance.

Whether you are setting up a new business or planning to expand or update an existing one, our commercial equipment finance specialists can customize a plan to meet your needs.

Heavy machinery comes at a hefty price. So, when it comes to investing in the assets and tools to run your business, it’s important to make the correct decision at inception.

One of the safest and most effective ways to secure the heavy machinery needed to run your business is via a tailored finance solution.

Auto Link Finance has vast experience in helping industrial businesses to fund equipment and heavy machinery. We will show you how to structure your lending facility in the most effective way, to reduce your on-going costs and boost the overall performance of your business.

We finance all types of trade machinery, including; backhoe loaders, buses, cranes, dozers, dump trucks, excavators, forklifts, graders, skid steers, tractors, trailers, trucks, wheel loaders and much more.

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Capital Raising.

Whether you are setting up a new business or planning to expand or update an existing one, our commercial equipment finance brokers and specialists can customize a plan to meet your needs

A little-known fact is that you can unlock the potential equity in your business assets to generate working capital. For example, you might require capital raising for any of the following:

  • To assist with the purchase of unique and specialised goods
  • A simplistic way to restructure a partnership or company position
  • To provide taxation benefits as well as generate cash flow for the business
  • To redistribute cash flow from previous business purchases
  • To provide cash flow/liquidity during unpredictable/seasonal/cyclical periods
  • To assist with unforeseen expenses such as mechanical repairs, unexpected creditors, legal fees and tax payments.

Raising capital through your business assets could help solve cash flow issues both short and long term whilst providing taxation benefits.

Auto Link Finance are able to raise funds from a number of commercial goods. Unlike major institutions, we do not discriminate between goods, industries or profiles and our terms are flexible, providing tailored solutions to meet your needs and goals.

We offer a range of commercial products to provide cash flow for your business. Our team of dedicated finance specialists can provide you with information and access to financial solutions that will allow you to grow your business.

Information Centre

Check our information centre to learn everything you need to know about finance and much more….

Chattel Mortgage

A Chattel Mortgage is suitable for those companies, partnerships and sole traders who use the cash method of accounting…

Hire Purchase

A Commercial Hire Purchase may be suitable for business (including companies, partnerships and sole traders…

Finance Lease

Finance Leasing is suitable for companies, partnerships, sole traders and individuals where the leased vehicle is used for income..

"We Make Getting Finance Easy"
And Thats How It Should Be!

ONLINE APPLICATION

Start your online application now, it's fast, secure and simple to complete.

PHONE APPLICATION

You can call and speak directly with one of our experienced loan specialist.

About Us

Auto Link Finance is a well-established financial intermediary (credit assistance provider) family business with over 30 years’ experience in the finance industry, providing everyday Australians with a full range of finance and insurance products.

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