Business finance

Would a lender back your business?

A 30-second read on how lenders would view your scenario — before you burn a credit enquiry finding out.

Your business

Annual revenue$500,000

Last 12 months' turnover (approx.).

Years trading3 yrs

Amount needed$100,000

What's the funding for?

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Indicative verdict

Strong position

Strong eligibility signals

With 3+ years trading and a request of $100,000 against roughly $500,000 in annual revenue, mainstream business lenders would typically compete for this deal. Expect sharper pricing, higher approval odds and possibly unsecured options for the amount requested.

What lenders would ask for

• 6–12 months of business bank statements
• Most recent BAS and, for larger amounts, financials or tax returns
• ABN/GST registration details and directors' ID

⚠️This is an indicative guide only — no credit check has been run, nothing has been lodged, and real lender appetite depends on full financials. A licensed broker must review your scenario.