Complex Business Finance

Specialist finance solutions for complex business situations. Adverse credit, non-bank lending, alternative funding for hard-to-place commercial loans.

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MILLARD FINANCIAL

With over 15 years of experience, we secure competitive finance solutions for businesses and individuals across Australia.

LENDERS IN OUR NETWORK

50+

YEARS EXPERIENCE

15+

LOAN APPROVAL TURNAROUND

24hr

COMPLEX FINANCE

Finance solutions when banks say no.

If banks have turned you down, your business situation is unconventional, or you've got adverse credit history, you need a broker who specialises in complex finance. At Millard Financial, we work with non-bank lenders and specialist commercial financiers who look at your current business potential, not just your credit file. Trusts, multiple entities, restructured businesses, second-chance commercial finance — we handle the deals other brokers won't.

ADVERSE CREDIT

NON-BANK

COMPLEX STRUCTURES

SECOND CHANCE

Adverse Credit Solutions

Business finance for clients with credit defaults, court judgments or past financial difficulties looking for a fresh start.

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Non-Bank Lending

Alternative business lenders who provide flexible commercial finance outside traditional banking channels.

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Complex Business Structures

Trusts, multi-entity groups, recently restructured businesses and unusual ownership structures.

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Second-Chance Finance

Specialist lenders willing to back businesses on their second venture or after past financial setbacks.

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testimonials

What they say about Us?

Here’s what they shared about their experience working with our team.

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I had finance approval in 24 hours and the deal settled in 48 hours, meaning I could collect my new car in just 2 days. I cannot recommend his professional and thorough services highly enough.

Leanne Gibbs

Grow Business Development, Gold Coast QLD

When the banks stopped our growth, Millard Financial got us the trucks and equipment we needed to take on the big jobs. Marcus makes obtaining machinery simple and fast. He is quite simply the growth tool your business needs.

Michael Edmonds

GDE Tree Services, Brisbane.

Marcus and his team made the entire finance process simple from start to finish, securing a very competitive rate while I focused on running my business. He takes his service to another level and I wouldn't use anyone else.

Peter Sanders

Airport Transfer Solutions

testimonials

What they say about Us?

Here’s what they shared about their experience working with our team.

GET IN TOUCH

I had finance approval in 24 hours and the deal settled in 48 hours, meaning I could collect my new car in just 2 days. I cannot recommend his professional and thorough services highly enough.

Leanne Gibbs

Grow Business Development, Gold Coast QLD

Michael Edmonds

GDE Tree Services, Brisbane.

Peter Sanders

Airport Transfer Solutions

frequently asked questions

Answers to common questions about complex business finance solutions.

What is complex business finance?

Complex business finance covers loans for non-standard situations that traditional banks won't approve, including ATO debt, defaults, low-doc applications, or unusual business structures. Specialist lenders structure these deals around your specific circumstances.

Can I get business finance after a default or tax debt?

Yes. Specialist non-bank lenders work with businesses that have ATO arrears, past defaults, or credit blemishes. The deal is structured around the business's current trading position rather than its credit history.

What is non-bank business finance?

Non-bank business finance is provided by specialist asset finance lenders and private credit funds rather than traditional banks. These lenders are typically more flexible on credit, doc requirements, and unusual situations, though rates may be slightly higher.

How long does complex business finance take to arrange?

Complex deals typically take 1 to 2 weeks from application to settlement, depending on the situation. Initial indicative approvals can come back within 48 to 72 hours once documentation is provided.