Start-Up Business Loans in QLD – Finance With No Trading History
Finance for businesses banks won't touch.
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
Specialist finance in ABN Commercial Equipment, Vehicles, Fit out Cashflow and Private lending.
Starting a business shouldn't stall because a bank wants two years of financials. Millard Financial is a Gold Coast business loan broker with access to 50+ lenders, including non-bank lenders who back new ABN holders from day one. They assess your industry experience, the asset you're buying, and your deposit, not your trading history. Whether you're a sole trader buying your first ute or a new Pty Ltd fitting out premises, we compare start-up business finance options and structure a loan around your cashflow.
Day 1 ABN Loans
Just registered your ABN? We connect brand-new businesses with lenders that have no minimum trading history, so you can buy the equipment or vehicle you need to start earning.
Sole Trader Finance
Going out on your own as a tradie, mobile operator, cafe owner or consultant? We arrange business start up loans for sole traders and self-employed owners, from tools and trailers to fit-outs and vehicles, and can pair them with cash flow lending [link] when you need working capital as well.
Start-Up Equipment Finance
Finance trucks, tools, vehicles and specialist equipment with repayments built around your cashflow. New to equipment finance? Compare a chattel mortgage with a lease, and check the instant asset write-off before you buy. For transport and trades, see Truck & Commercial Vehicle Finance or our wider Equipment Finance options.
Start-Up Working Capital
Limited trading history doesn't have to mean limited options. We source working capital and cashflow lending [link] for new businesses covering stock, wages, marketing and the first months of trading. If your situation is more complex, our Complex Business Finance and Private Lending teams can look at alternatives.
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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