Bad Credit Finance.
Finance options available even if your credit profile isn’t perfect.
Access funding solutions for borrowers with credit challenges. We work with many lenders to find practical options tailored to your situation.
“We needed finance for new machinery urgently. The team understood our situation and came back with options that actually suited our cash flow. It made a real difference to our project timelines.”
Sarah L.
Looking Beyond Your Credit History
Contact UsFinancial setbacks can happen for many reasons, from unexpected life events and business challenges to temporary cash flow pressures. A less-than-perfect credit history doesn’t always reflect your current financial position, which is why we take the time to understand the full picture before exploring funding options.
Designed For Borrowers Facing Credit Challenges
This solution may be suitable for individuals and business owners who have experienced defaults, missed repayments, court judgments, discharged bankruptcies, or other credit-related issues, but still require access to funding for personal, business, or investment purposes.
- Borrowers with previous loan declines
- Individuals with defaults or missed repayments
- Self-employed applicants with credit challenges
- Business owners requiring working capital
- Borrowers with discharged bankruptcies
- Individuals with court judgments or credit impairments
- Applicants seeking to refinance existing debt
- Property investors with non-standard circumstances
Simple Process
How Equipment Finance Works With Bolt Funding
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STEP 01
Tell us what you need
Share details about the equipment, vehicle or funding required and your basic business information.
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STEP 02
We Compare Lenders
We assess your situation and match you with suitable lenders from our extensive network.
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STEP 03
Get Funded Fast
Once approved, funds are arranged quickly so you can move ahead with your purchase.
How This Solution Works
Connecting You With The Right Lending Pathway
Bad credit finance works by matching borrowers with lenders who assess applications using a broader range of criteria. Rather than focusing solely on credit scores, these lenders may consider income, assets, equity, repayment capacity, and overall circumstances when evaluating an application.
Real Stories From Businesses We've Helped Grow
Hear from business owners across Australia who’ve used Bolt Funding to secure fast, flexible equipment and business finance solutions.
Bolt Funding FAQs
View AllYou can finance trucks, trailers, heavy machinery, earthmoving equipment, agricultural assets, and other business-critical vehicles and tools.
Approval times vary depending on the lender and complexity of the application, however many clients receive a response within 24 hours. Fast-track options may also be available for eligible applications.
Yes, we work with startups and newer businesses and can help find lenders that consider limited trading history.
No. We work with a range of lenders, including those who consider applicants with less-than-perfect credit histories.
A broker can compare multiple lenders for you, helping improve approval chances and potentially secure more suitable finance options.
More lending solutions
Complete the form and one of our finance specialists will be in touch with tailored funding options for your business.
Whether you’re purchasing trucks, machinery, trailers or other business assets, we’ll review your requirements and help identify suitable finance solutions from our extensive lender network.
