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Business Loans With No Upfront Credit Check

Up to $500K. An answer in hours.

A business loan with no upfront credit check is one where the business can apply and receive an indicative answer without a credit enquiry being made first.

1 of 4

How long have you been trading?

  • Australian broker, ABN 64 697 282 554
  • No upfront credit check
  • Bad credit and ATO debt considered
  • A real person calls you
No upfront credit check

What is it?

A business loan with no upfront credit check is one where the business can apply and receive an indicative answer without a credit enquiry being made first. Zupo, an Australian business finance broker, arranges funding of $5,000 to $500,000 over terms of 3 to 12 months with no upfront credit check. A credit check only happens later, with the owner's consent, if the business chooses to proceed.

You want to find out where you stand without a credit enquiry landing on your file first.

An answer in hours, funds in as little as 24 hours. Bad credit, defaults and ATO debt considered. No upfront credit check.

At a glance

  • Amount$5K – $500K
  • Term3 – 12 months
  • Get funds inAs little as 24 hours
Check in 3 taps
Often used for

What businesses use it for.

  • Cash flow
  • Wages
  • Bills
  • Inventory
  • Tax debt
  • Any business expense or investment
How it works

Three steps to your options.

Ask first, with no upfront credit check. Our funding partner looks at how your business is trading.

  1. 1

    Apply in 3 minutes

    Your ABN, ID and the last 6 months of business bank statements. No business plans, no projections.

  2. 2

    Get a straight answer

    We look at how your business is trading, not just a score. An offer in as little as 3 hours.

  3. 3

    Funds: as little as 24 hours

    Happy with the offer? Money is arranged fast, with repayments built around your cash flow.

Eligibility

Am I eligible?

Don't tick every box? It's still worth a conversation.

A real Zupo specialist handles your enquiry, no call centres.

See my options

What you need

  • Active ABN or ACN
  • An established business, trading for at least 3 months
  • Minimum monthly revenue of $10,000
FAQ

Questions, answered.

Is there really no credit check?

There's no upfront credit check to get an indicative answer, so asking won't leave a mark on your credit file. A check only happens later, with your consent, if you choose to proceed.

Can I get funding with bad credit, defaults or ATO debt?

Often, yes. Our funding partner considers the full picture of your business, including bad credit, defaults and ATO debt, not just a credit score.

How is my application assessed without a credit check first?

Mostly on how your business is trading, using your ABN, ID and the last 6 months of business bank statements. No business plans, no projections.

How fast is it?

You'll often get a real answer within hours, and funds can be in your account in as little as 24 hours.

Zupo is a finance broker. We arrange funding through our funding partner. We are not a lender.

From the blog

Related reading.

Guide

Will applying for a business loan hurt your credit score?

Read the guide →Guide

How to apply for funding in 3 minutes (and what to have ready)

Read the guide →
Other solutions

Other ways to fund the business.

ATO debt considered

Tax & ATO Debt Funding

Short-term funding to deal with an ATO bill.

Learn more →Minimal paperwork

Low Doc Business Funding

ABN, ID and bank statements. No business plans, no projections.

Learn more →Most popular

Small Business Loan

You want to grow your business but might not have the best credit score.

Learn more →

See all funding solutions

Ready to see your options?

Three quick taps, no upfront credit check. An answer in hours.

Start the 3 taps