FAQ

Questions we’re often asked

Business-use finance for ABN holders, in plain words.

Often it’s worth asking. A no from a bank is that bank’s answer. The specialist lenders we work with use different rules on ABN age, documents, credit history, private sales and asset age. Tell us what happened and we’ll tell you whether anyone on our panel is likely to consider it. If not, we’ll say so. See Declined by your bank?
Some lenders consider businesses with an ABN under two years old, and some will look at one that’s only months old. They usually look harder at your industry experience, any deposit, whether you own property, and your personal credit history. Tell us how long you’ve had your ABN and what you did before. See New ABN finance.
Sometimes. Some lenders consider past defaults or judgments case by case, especially older or paid ones, while others won’t consider any. It usually costs more. We don’t offer credit repair and can’t change what’s on your file. If your business is struggling with debt, the free Small Business Debt Helpline (1800 413 828, sbdh.org.au) can help before you take on more. See Past credit issues.
Possibly. Low doc lenders may work from BAS, business bank statements or a signed declaration instead of full financials. It usually costs more and has lower limits. See Low doc finance.
Some lenders will, usually with an inspection, the seller’s ID and ownership papers, and a payout letter if money is owed on it. Not every lender does private sales. See Private sale finance.
No. We arrange finance for business use only. Personal car loans: we don’t arrange these, but we can refer you to a trusted partner.
No. Business finance is for a genuine business, and the asset has to be used mainly in that business. Registering an ABN or calling a purchase “business use” just to get a loan isn’t something we’ll help with. If it’s mainly for personal use, it’s a personal loan: we don’t arrange these, but we can refer you to a trusted partner.
No. We’re a broker. We arrange finance from a panel of specialist lenders. Any credit contract is between you and the lender, and the lender makes every decision.
It costs nothing to enquire. If you go ahead, we may charge a broker fee and we may receive a commission from the lender. Before you sign anything, we tell you in writing the lender, the rate, the repayment, any fee we charge and the commission we receive, in dollars.
Use the enquiry form or apply online. Tell us what you’re buying, how long you’ve had your ABN, and anything that’s held you back with other lenders. We aim to respond within one business day. You can also email adam@capitalhillfinance.com.au.

Business-use finance for ABN holders. We don’t arrange personal or consumer loans.

Capital Hill Finance Pty Ltd (ABN 21 686 296 720), Corporate Credit Representative 569305, authorised under Fintelligence Pty Ltd, Australian Credit Licence 511803.

We’re not a lender. Any credit contract is between you and the lender, and the lender decides every application. Complaints

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