Complex Business Finance

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

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.

Millard Financial was outstanding to deal with. From start to finish, they were professional, responsive, and genuinely committed to getting the best result. Their knowledge and industry relationships really show, and the level of service went well beyond expectations. I’d highly recommend Millard Financial to anyone looking for a finance team that truly goes the extra mile.

Tara Campbell

Found Millard Financial online. Had a very unique and challenging circumstance wit my business. Marcus and his team worked around the clock going above and beyond to assist me. Had already sought help from other brokers but had no luck. Millard Financial found me unbelievable rates and terms that only years of knowledge and relationships with lenders would be able to provide. Extremely honest and efficient work. Couldn't recommend Millard Financial anymore.

Dakota Jordaan
Diesel Fitter, Self Employed

Highly recommend — we've used Millard Financial multiple times and each experience has been seamless. Marcus is efficient, reliable, and always gives 110%, helping us out of some very tight situations. Wouldn't go anywhere else! Thanks Marcus.

Krystle McCarthy
CEO, One House Builders

Highly recommend Marcus from Millard Financial, from start to finish he was exceptional. I thought I was a difficult candidate to get finance on a new work van, how wrong i was. Marcus had me approved and settled in 4 days with a great deal. Thanks very much for looking after me Marcus.

Tim Schofield
Owner, Derwent Distributers

Can't rate any higher, great guy to chat to, very informative and on time. Made it breeze help with machinery loan. Cheers mate/ just got a another loan through Marcus again after 5 years same great service seriously can't go wrong.

Nick Bird
Owner, Cockatoo Fencing

Prompt, professional and well connected to deliver the most competitive rates

Wayne Gooch
CEO, Treesafe Australia

Fast efficient and informative. A pleasure to use Millard Finance again. Thanks again

Dyson Wood
Scorpio Screens and Blinds

We honestly couldn't recommend you more highly. Your customer service is absolutely amazing. You make what can sometimes feel stressful so easy and smooth, and we always feel supported every step of the way.
You truly go the extra mile — always answering our questions, explaining everything clearly, and making sure we feel confident and comfortable with every decision. Nothing is ever too much trouble, and that level of care means so much.
We are so incredibly grateful for your professionalism, kindness, and genuine dedication. It's rare to find someone who cares as much as you do. Thank you for everything you continue to do for us — we truly appreciate you more than words can say.
God bless you, your family and your business : )

Blessings, Craig & Kendall Seddon

Kendall Seddon
EO, LUVME

Millard Financial was able to quickly secure equipment finance for an excavator for our family business when all other banks and brokers had told us they couldn't help. This is now the third time I've used Marcus and it's just so easy. Thanks! Jess and Josh.

Josh

Marcus is such a professional. Everything went smoothly, and he answered every question I wasn't sure of. I'd recommend Marcus 100% if you're looking for finance with a smooth transaction and full transparency. Thanks, Marcus.

David Kissell
testimonials

What they say about Us?

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

Millard Financial was outstanding to deal with. From start to finish, they were professional, responsive, and genuinely committed to getting the best result. Their knowledge and industry relationships really show, and the level of service went well beyond expectations. I’d highly recommend Millard Financial to anyone looking for a finance team that truly goes the extra mile.

Tara Campbell

Can't rate any higher, great guy to chat to, very informative and on time. Made it breeze help with machinery loan. Cheers mate/ just got a another loan through Marcus again after 5 years same great service seriously can't go wrong.

ick Bird
Owner, Cockatoo Fencing

Highly recommend Marcus from Millard Financial, from start to finish he was exceptional. I thought I was a difficult candidate to get finance on a new work van, how wrong i was. Marcus had me approved and settled in 4 days with a great deal. Thanks very much for looking after me Marcus.

Tim Schofield
Owner, Derwent Distributers

Highly recommend — we've used Millard Financial multiple times and each experience has been seamless. Marcus is efficient, reliable, and always gives 110%, helping us out of some very tight situations. Wouldn't go anywhere else! Thanks, Marcus.

Krystle McCarthy
CEO, One House Builders

Prompt, professional and well connected to deliver the most competitive rates

Wayne Gooch
CEO, Treesafe Australia

Fast efficient and informative. A pleasure to use Millard Finance again. Thanks again

Dyson Wood
Scorpio Screens and Blinds

Found Millard Financial online. Had a very unique and challenging circumstance with my business. Marcus and his team worked around the clock going above and beyond to assist me. Had already sought help from other brokers but had no luck. Millard Financial found me unbelievable rates and terms that only years of knowledge and relationships with lenders would be able to provide. Extremely honest and efficient work. Couldn't recommend Millard Financial anymore.

Dakota Jordaan
Diesel Fitter, Self Employed

We honestly couldn't recommend you more highly. Your customer service is absolutely amazing. You make what can sometimes feel stressful so easy and smooth, and we always feel supported every step of the way.
You truly go the extra mile — always answering our questions, explaining everything clearly, and making sure we feel confident and comfortable with every decision. Nothing is ever too much trouble, and that level of care means so much.
We are so incredibly grateful for your professionalism, kindness, and genuine dedication. It's rare to find someone who cares as much as you do. Thank you for everything you continue to do for us — we truly appreciate you more than words can say.
God bless you, your family and your business : )

Blessings, Craig & Kendall Seddon

Kendall Seddon
CEO, LUVME
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.
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