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Commercial Loans from $5,000 to $500,000+
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no obligation, no impact on credit file
Apply for a business loan today and grow your business

Why Choose ALC Commercial For Business Loans?

Forget the big banks! ALC Commercial is non-bank lender understanding the financial needs of small to medium sized businesses. We’ve been helping Australian businesses for over 10 years, with flexible terms and competitive rates.

With our broad range of business loans, we can service the start-up entrepreneur in their first year of operations, provide small loans to suit small businesses with running costs or support medium sized businesses as they expand across Australia with equipment financing, working capital loans and more. The Australian market offers many opportunities for businesses to start up, grow and succeed, all an entrepreneur needs is a great idea that offers something unique and innovative that there is a strong market for, a solid business plan and management strategy, and funding to get off the ground.

Even if you have a bad credit history, no credit or you are self-employed, we can help you find the most suitable business loans which can be approved online and over the phone, quickly and simply. If you’re looking for secured or unsecured business loans, talk to one of our specialist business loan consultants.

10 years offering small business loans
Apply online and speak to a loan consultant within a matter of minutes

Fast, easy application

Our online commercial loans enquiry form will only take you a matter of minutes to complete. We'll get back to within 24 hours with a lending decision. No waiting, unlike the big banks. Application will not impact your credit file.

Happier borrowers

Understanding Help

Do you have bad credit but need business funding? Looking for a low doc loan? ALC Commercial has a range of flexible, competitive loan options to help you get the right funding to boost your enterprise.

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Transparency & Honesty

ALC Commercial's dedicated lending specialists are upfront all the way with your finance application. We tell you exactly what is happening. There are no hidden fees. Our experts will help you every step of the journey, so you feel supported.

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Tailored Loan Solutions

ALC Commercial finance options are all about your business and commercial goals. We take the time to get to know your financial situation and tailor the perfect finance with some of the best commercial loans Australia has to offer.

Business Loans for All Your Commercial Finance Needs

ALC Commercial has a large range of options for commercial funding for a variety of commercial enterprises. We can help improve cash flow, pay off debt, buy equipment, hire staff or start a new business. Our easy and fast business loans may be ideal for all your financing needs.

Try our loan repayment calculator to find out the most suitable loan term for your business. Our friendly specialist loan consultants work quickly to get you the business finance you need to keep the shop growing and thriving!

small business loans

Small Business Loans

Do you need commercial funding to grow your business? Are you experiencing cash flow problems? With our extensive range of business loans, we can offer you the best interest rates and terms in Australia.

self employed business person

Start-up Business Loans

Do you need start-up funding to get off the ground? We've helped hundreds of Aussie businesses with commercial loans. We have over 30 years of experience and our team are trained to work closely with clients to tailor business loan solutions to suit you.

short term business loans

Short Term Commercial Loans

Typically lasting 3-24 months, our tailor-made short term commercial loans are a perfect way to refinance your business when you need money quickly. Loans can be approved within as little as 24 hours, so you can get back to what you do best.

Bad credit business loans

Bad Credit Business Loans

Got bad credit and trying to start a new venture? We offer fast and flexible commercial loans for start-ups. Get approved with the loan funds into your account within as little as 48 hours! Quick, easy and stress-free.

No credit check business loans

No Credit Check Business Loans

If you’re looking for no credit check business loans, ALC Commercial might be the best option for you. We specialise in providing commercial finance for people with bad credit so your company can reach its full potential.

short term business loans

Low Doc Business Loans

Are you self-employed or freelancing without the load of documents that the major banks need? We understand the circumstances of self-employed and freelancers. Get your low doc loan approved fast.

Apply for a loan with ALC Commercial

Apply online

Enquire Online

Takes only a few minutes.

Quick decision business loan

Quick decision

Minimal documents needed.

Get a fast decision about your commercial business loan

Review and sign

Check and sign your commercial finance contract.

Receive funding quickly for your business loan

Fast Funds

Money in your account in as little as 48 hours.

Expand, grow or start your business with a loan from ALC Commercial

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Start, grow and expand your dream.

Frequently Asked Questions

ALC Commercial offers business loans of $5,000 to $500,000+ for eligible businesses. Our loans can cover small businesses, start-ups, short term loans, bad credit loans, no credit check loans, low doc loans, self-employed loans and many more. We’ve helps hundreds of Australian businesses with cash flow, investment in equipment, cover seasonal fluctuations, tax debts, working capital purchase inventory find more favourable loan terms and more. We are committed to help small enterprises grow.

Newstart Allowance is the benefit for the unemployed in Australia. It is designed to cater for short term unemployed difficulties and aims to get you back to work. Many people on Centrelink choose to start their own business. With so many industries having low start-up costs in industries in persona and professional services.

ALC can help these new businesses when the big banks don’t. We believe in helping driven self-starters with viable and innovative business ideas. When you apply with us, we look into the business potential and aim to provide the funding you need along with competitive rates and flexible repayment options.

ALC Commercial believes that every self-employed person – including freelancers and contractors – should be able to receive funding when it’s really needed. Unlike banks, your employment status doesn’t penalise you from receiving funding. Our self-employed loan specialists can even help if you have bad credit.

Non-bank lenders, including ALC Commercial, are not as tied up by banking regulations, so we are able to make more loans to small businesses. If a loan is unsecured, the interest rates may be slightly  higher than those of traditional bank loans, but the conditions and application process is easier and faster. Our innovative technology simplifies the lending process. Once it has been determined that you can repay the loan, and you are approved, the funds are transferred into your account. In this situation, it’s not hard to get finance if you meet the criteria of the non-bank lender.

ALC Commercial currently offers loan products for development, construction, refinancing, leasing, working capital, debtor finance, rural property, self-employed individuals, franchises and tax relief. If your business has a financial need, we have the funding to help. Contact a loan specialist for more information about our products and services.

This depends on what you mean by ‘no credit’. When you don’t have a credit record at all, it can be really hard to get a business loan. This is also the case if you have a bad credit history which can be a result of late payments, defaults and/or bankruptcy.

If you have no credit record, it’s recommended you start somewhere. This could be getting a credit card with a low limit and ensure you pay everything on time. This allows you to build a good credit record when you want to take out larger personal or business loans down the track.

If you have bad credit, it can fell impossible to get business finance. We are a non-bank lender specialising in providing business loans to people with bad credit, or with low documentation.

Interest rates vary depending on the type of loan and your organisation’s financial assessment. We disclose all fees and interest rates upfront; therefore, contact a loan specialist at ALC today to see what interest rates you qualify for.

ALC Commercial approves your loan over the phone. Funds are approved in 24 to 72 hours as long as you meet the prerequisites required for your loan. Once satisfied and you complete the ability-to-pay loan documents, we’ll deposit funds within as little as 24 hours into a nominated account.

This depends upon the lender you apply with. The big bank loans, for example, need a lot of paperwork and hoops to jump through. Most traditional lenders will want some form of collateral, usually residential or commercial property. Bank alternative business lenders, such as ALC Commercial, look at your ability to pay the loan, and offer low doc loans as well as bad credit loans. We also process application quickly so you’ll have a decision fast. Just complete our enquiry form, which has no impact on your credit history, and is absolutely obligation free. We also offer a free initial consultation, to see how we can help you move forward with commercial finance.