FAQ
Frequently asked questions
Short answers about funding from what you hold, enquiries and how this site works.
What is Alternative Business Funding?
Alternative Business Funding is a lead-generation and introduction service for Australian businesses. We help you work out which non-bank funding routes fit what your business already holds, and introduce you to people who can talk it through.
Are you a lender?
No. We do not lend and we do not make credit decisions. Funders assess and decide on every application.
Does enquiring affect my credit score?
No. There is no credit check when you first enquire. A credit check only comes up if you decide to go ahead with an option.
What does it cost to enquire?
Nothing. The enquiry is free, and you are under no obligation to proceed.
What can I borrow?
Property-secured options typically run from $20,000 to $5,000,000. Unsecured and cash-flow options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements.
Do I need property?
No. Property supports larger amounts, but invoice finance lends against invoices, equipment finance against the asset, and cash-flow options against your trading record.
What can I use the funding for?
Business purposes only. Common uses include working capital, equipment, stock, taxes and growth. It is not available for personal or consumer purposes.
Can I enquire if a bank has declined me?
Yes. A decline usually means one lender's checklist was not met. The Bank said no? Decoder explains common reasons and the routes that skip them.
Are past credit problems a barrier?
Not automatically. Past credit issues are considered case by case, and asset-backed routes often weigh the asset more than the credit file.
What about ATO debt or late lodgements?
These are considered case by case. Lodging overdue returns and having a payment arrangement in place makes almost every conversation easier.
Do you publish interest rates?
No. Each facility is priced on the business's own circumstances, so any figure here would mislead. We show how to compare real offers by total cost instead.
Will you send my details to lots of lenders?
No. A person reads your enquiry and matches it to the right route. We do not spray your details around.
How accurate does the form need to be?
As accurate as you can make it, particularly assets, amounts and any finance you already have. Accurate answers get you the right match the first time.
What is the Funding finder?
A free tool that takes what your business holds, your timing and a rough amount band, and ranks the funding routes that lend against it. It runs in your browser and stores nothing.
Who operates this site?
Alternative Business Funding is operated by Techgen LLC Pty Ltd (ACN 696 942 391).
Is the information here financial advice?
No. It is general information about how funding routes work. Think about your own circumstances and get independent professional advice for decisions about your business.
Want to go further? Try the Funding finder, read the guides, or start an enquiry.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray and pray
A real person on your file