Fast , Simple No Credit Check Business Loans

no obligation, no impact on credit file

ALC Commercial helps start-up business and established businesses


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No Credit Check Business Loans Australia

Finding fast and still competitive business finance can be extremely difficult when you don’t have the borrowing history to show that you are a reliable borrower. Unfortunately, thousands of Australians are stuck in a bad credit position, left with piling rejection letters searching for a business loan. No credit check business loans provide your business with the finance to keep moving forward. Applying for a no credit check loan with ALCC won’t show up as an enquiry on your credit report and is no obligation.

No credit business loans are a type of Australian finance that allows you to secure finance without considering your credit score. Each time you enquire with a bank, they will check your credit history and with each enquiry, your credit score is negatively affected. ALCC no credit check business loans are a fantastic option for those who have bad credit or no credit history. This type of finance is particularly good for new and start-up businesses who don’t have a strong credit rating, but have a great idea and a dream.

Applying for new business loans can be a daunting process since finance can be the difference between success and failure. For this reason, no credit check business loans are a great option for Australian startup businesses, regardless of your credit rating.

Are you fed up with banks rejecting your business loan application? It’s hard enough with all the paperwork they ask of you to see if you qualify, and then eventually get rejected due to a variety of reasons in their lending restrictions. Enquire with us and get your Australian business off the ground with our no credit check loans option.


Use No Credit Check Business Loans For...

Improve cash flow

Improve cash flow

Many businesses require a steady inflow of cash flow to help keep the business operational. Utilise a short term no credit check loan to ensure your business remains functional.

Invest in your business

Invest in your business

Purchase inventory such as equipment or machinery. Allocate cash flow towards marketing or web development.

Pay off debt

Pay off debt

A no credit check business loan can help with managing your business debts. Use your funds to pay off tax or Business Activity Statement lump sums. ALC commercial can assist you in consolidating your debts.

Pay your bills

Invest in your business

Purchase inventory such as equipment or machinery. Allocate cash flow towards marketing or web development.

Secure Your No Credit Check Business Loan In 3 Easy Steps

Enquire online

Apply Online

It's fast and easy, no obligation and has no impact on your credit file. It only takes a minute to get the ball rolling.


Receive a lending decision within 24 hours. We look at more than just your credit score. Our customers are unique, and are treated as such.

Loan paid into your account

Receive Funding

Once you have accepted you commercial credit contract, we transfer funds into your account ASAP.

An ALCC No Credit Check Business Loans Success Story

no obligation, no impact on credit file

A low credit score is not the end of the road. See how Huong successfully applied and got his no credit check business loan to start an Australian nursery.

Huong migrated from Vietnam with his family in 2011, excited to experience the Australian dream. He had a green thumb and was interested in starting his own nursery in Australia. Coming from overseas, Huong used all of his money to move his family and was left with little cash. He knew if he could find business financing, he could be successful as he knew the trade and had a passion for growing plants. Unfortunately, Huong had no credit history and was struggling to find a lender.

After traveling from bank to bank and getting rejected, Huong started to get frustrated and was worried he was running out of options. He looked online and found us, ALC Commercial, who offered no credit check business loans. Huong realised he had an amazing opportunity to be evaluated as a borrower for something other than his credit score and applied immediately. Huong was approved within the hour and had access to his no credit check loan in less than two days. Overjoyed he began planning the grand opening of his nursery!

An ALCC No Credit Check Business Loans Success Story

Are you in a similar situation as Huong? Are you considering starting your own business but have found difficulties in getting a loan due to bad credit or lack of credit history?

Advantages of a No Credit Check Business Loan

A no credit check business loan may be the right option for you.

No credit check icon

No Credit Check Or Obligation

No credit score impairment. We look at your current financial situation not your past.

fewer lending requirements

Fewer Lending Requirements

Minimal documentation required. We offer low doc loans for small to medium size enterprises.

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High Approval Rate For Applicants

Our average approval rate is 98%. If you want to be one of our success stories, apply today.

Faster approval rate

Faster Approvals

Access the funding quickly. Unlike the big banks, we make decisions fast, so you can get back to business.

Happier borrowers

Happier Borrowers

We offer complimentary assessment with our in-house funding and private non-bank lenders.