Start-Up Business Loans

Specialist finance in ABN Commercial Equipment, Vehicles, Fit out Cashflow and Private lending.

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

START-UP FINANCE

Finance for businesses banks won't touch.

Start-ups face a finance paradox — you need equipment and working capital to grow, but most banks won't lend to businesses without trading history. At Millard Financial, we specialise in start-up business loans, working with non-bank lenders who back new ABN holders from day one. Whether you're a sole trader, partnership or newly formed Pty Ltd, we structure finance based on your industry experience and the asset you're buying.

DAY 1 ABN

SOLE TRADERS

EQUIPMENT

WORKING CAPITAL

Day 1 ABN Loans

Just registered your ABN? We connect you with lenders who finance brand-new businesses on day one, no minimum trading history required.

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Sole Trader Finance

Finance options for sole traders and self-employed operators starting their first business venture.

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Start-Up Equipment Finance

Trucks, tools, vehicles and specialist equipment for new businesses, with terms designed around real cashflow.

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Start-Up Working Capital

Cashflow lending and working capital solutions for new businesses with limited trading history.

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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

Common questions about start-up business loans and new ABN finance.

Can a new business get a loan with no trading history?

Yes. Specialist lenders offer day-one ABN finance and start-up business loans even without trading history. Approval relies more on the owner's industry experience, deposit, and the asset being financed than on financials.

What's the maximum loan amount for a start-up?

Start-up business loans on the Gold Coast typically range from $10,000 to $250,000 depending on the lender, asset (if secured), and the borrower's profile. Larger amounts are possible with strong collateral or a personal guarantee.

How much deposit is needed for a start-up business loan?

For secured start-up loans, deposits typically range from 10 to 30%. The exact requirement depends on the lender, asset, and the owner's profile. Some lenders offer no-deposit options for strong applicants.

Can I get a start-up loan with bad personal credit?

Yes, but it's harder. Specialist non-bank lenders look at the full picture and can approve loans where personal credit is weak, especially with industry experience, a deposit, or assets to use as security.