Business loans with no credit check at initial assessment

What this funding is designed to do

We first discuss the property, existing debt, business use and repayment plan without a credit check. A low score is not an automatic cutoff.

This is not a promise of no checks at any stage or of approval. Identity, title, legal and security checks still apply.

When this structure may fit

• Your business has a genuine, clearly explained use for the funds.
• There is sufficient available equity in acceptable Australian real estate.
• The need is time sensitive or falls outside a conventional bank policy.
• You have a credible exit strategy for repaying the short term facility.
• The costs and risks are understood before you proceed.

Why business owners come to Equity Tap

Banks are built for standard scenarios and longer processes. Equity Tap is built for direct specialist assessment. We listen once, look at the whole position and explain whether a workable structure exists. That matters when a settlement, creditor, opportunity or refinance cannot wait.

Equity Tap has lent its own money since 2022. Facilities range from $50,000 to $5 million, with terms from one to twelve months. Eligible transactions may settle in as little as 24 hours and may allow interest for up to six months to be prepaid as part of the facility.

What we need to understand

Start with the amount required, the business purpose, the deadline, the security property, any existing mortgage and the expected repayment event. Supporting information can include identification, rates notices, mortgage statements, contracts, trust documents and evidence supporting the exit.

No check at initial assessment is not no checks ever

Equity Tap does not run a credit check at initial assessment. We begin with your genuine business purpose, available property equity, existing debt and a credible repayment event. A check may be made before funding for identity and fraud purposes. We do not use a score as an automatic cutoff, but final identity, security and legal checks still apply.

We therefore do not promise “no credit check at any stage”, “guaranteed approval” or “no documentation”. Ask our lending specialist what final checks are planned in your case and when they would occur.

What do we assess first?

• Property: address, owner, type, estimated value and current secured debt.
• Business use: invoice, contract or other evidence of a genuine commercial purpose.
• Amount and timing: the net cash needed and the date it must arrive.
• Exit: a sale, refinance, incoming business payment or other evidenced repayment source.
• Risks: title, existing lenders, total costs and the consequence of a delayed exit.

If your credit score is poor

Tell us what happened. Past defaults or a low score can be considered in the whole transaction, but insufficient equity or no workable exit may still make a loan unsuitable. See business loans with bad credit and our exit strategy guide. Property security means the property is at risk if the facility is not repaid. Equity Tap lends for business purposes only, never personal spending.

For background on commercial credit information, see the Office of the Australian Information Commissioner.

Frequently asked questions