Difficult Loan Solutions for Bad Credit, Defaults & Declines
Helping Gold Coast & South East Queensland Businesses Move Forward
When traditional lenders say no, Millard Financial says, let’s find another way. We specialise in difficult loan solutions tailored to businesses across the Gold Coast and South East Queensland, particularly those looking to secure equipment finance under challenging circumstances.
Whether it’s a rocky credit history, limited documentation, or a non-traditional lending scenario, we have the experience and connections to deliver alternative loan options that keep your business on track.
Tailored Finance When You Need It Most
Many business owners find themselves stuck between needing crucial equipment and not being able to get funding through the usual channels. Maybe the banks have knocked you back. Maybe your financials aren’t perfect. Or maybe your credit file has seen better days.
That’s where we come in.
Our mission is to provide second chance loans, private lending options, and non-traditional loan solutions that suit your real-life circumstances — not just what a computer algorithm says.
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Who We Help
At Millard Financial, we assist clients facing all kinds of hurdles:
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Bad credit or no credit history
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Late payments or defaults on file
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Limited documentation or irregular income
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High-risk loan scenarios
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Emergency loan help needs
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Businesses recovering from past financial setbacks
If you’re dealing with challenging mortgage approvals, trying to refinance a problem loan, or in need of bridge loans for bad credit, we’re here to help.
Equipment Finance That Works for You
Equipment is often the backbone of your business. Whether it’s trucks, tools, machinery, or tech – if it’s critical to your operations, we’ll help you finance it.
We understand how crucial timing is. That's why we specialise in fast, flexible, and fair loan help for poor credit or non-conventional applicants.
Our solutions include:
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Low-doc and no-doc loans
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Hard money loan solutions
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Loan restructuring help
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Debt consolidation for bad credit
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Private equipment finance lenders
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Credit repair loans
If your equipment finance application has been knocked back, don’t give up — reach out to us for hard to approve loans that are still possible.
Real Solutions for Real People
At Millard Financial, we take a human approach to finance. That means no generic answers, no judgment, and no cookie-cutter lending. Instead, we dive into your situation, look at the bigger picture, and craft a strategy that gives you options.
Many clients come to us after being turned away elsewhere. Our access to private lenders, alternative financiers, and niche products means we can often say “yes” when others can’t.
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We also partner with businesses to improve their financial future — from managing current debts to structuring smarter finance for future growth.
Why Choose Us?
✅ Local Expertise – We understand the unique challenges and opportunities of doing business on the Gold Coast and throughout South East QLD.
✅ Experienced Team – Years of experience navigating difficult loans and subprime loan assistance.
✅ Broad Network – Access to mainstream and alternative lenders, both institutional and private.
✅ Fast Turnarounds – When it’s urgent, we act fast to get you approved and funded quickly.
✅ Straight Talk – We keep things clear, upfront, and honest — no hidden catches.
Our Broader Services
This service forms part of our Complex Business Finance suite, where we help business owners tackle financial hurdles with clarity and confidence. If you’re navigating larger-scale commercial finance needs, we’ve got you covered there too.
How It Works
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Get in Touch – Book a free consultation or give us a ring.
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Tell Us Your Story – We want to understand your business, not just your credit file.
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We Explore Options – We’ll match you with tailored loan solutions, including difficult mortgage solutions or no credit check loans if needed.
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Application Support – We help you present your case and handle all the paperwork.
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Loan Approval & Funding – Once approved, funds are made available quickly, so you can get moving.
Let’s Talk – Obligation Free
If you’re feeling stuck, stressed, or unsure where to turn — you’re not alone. We’ve helped countless clients across the Gold Coast and South East Queensland access second chance loans that turned their businesses around.
Reach out to Millard Financial today and get the clarity, support, and options you deserve. There’s no cost to chat — and it might be the first step to securing the equipment and funding your business needs.
📞 Call us now or 📩 Enquire online to get started.
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We say yes to possibilities, not just perfect credit.
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