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 Loans
Just registered your ABN? We connect you with lenders who finance brand-new businesses on day one, no minimum trading history required.
Sole Trader Finance
Finance options for sole traders and self-employed operators starting their first business venture.
Start-Up Equipment Finance
Trucks, tools, vehicles and specialist equipment for new businesses, with terms designed around real cashflow.
Start-Up Working Capital
Cashflow lending and working capital solutions for new businesses with limited trading history.
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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.
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Business entity details:PENNY ENTERPRISES PTY LTD ATF MILLARD FAMILY TRUSTACN 683 184 364 , ABN 78 976 346 797
Licensing statement:PENNY ENTERPRISES PTY LTD has been appointed as a Corporate Credit Representative of Connective Credit Services.
The Corporate Credit Representative Number (CRN) for PENNY ENTERPRISES PTY LTD is 566212 Australian Credit Licence 389328 Disclaimer statement: Disclaimer: Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
Member of FBAA Finance Brokers Associate Australia Member of AFCA Australian Financial Complaints Authority
Licensing statement:PENNY ENTERPRISES PTY LTD has been appointed as a Corporate Credit Representative of Connective Credit Services.
The Corporate Credit Representative Number (CRN) for PENNY ENTERPRISES PTY LTD is 566212 Australian Credit Licence 389328 Disclaimer statement: Disclaimer: Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
Member of FBAA Finance Brokers Associate Australia Member of AFCA Australian Financial Complaints Authority