Find Out What You Quality For in 2026

If you’re trading under an ABN, you could access non-bank business funding options tailored to your cash flow, not bank checklists.

You may be eligible for business funding if your business meets most of the following:

  • Active ABN
    Your ABN must be registered and currently trading, not dormant or newly applied.

  • Trading history of 6+ months
    Most businesses in this range have access to more stable funding options, with broader lender choice, improved terms, and stronger approval outcomes. optimal results come from trading time 12+ months

  • Regular business income
    Demonstrated income through bank statements or accounting records. Higher and more consistent turnover generally unlocks better options.

  • Australian-based business
    Business operations and income must be based in Australia.

  • Fair to strong overall financial position
    Credit history doesn’t need to be perfect, but serious defaults, unpaid judgments, or unmanaged tax debt may limit options.

  • Clear business purpose for funds
    Funding is assessed more favourably when used for business-related purposes such as vehicles, equipment, cash flow, or growth.

    Eligibility and funding amounts vary based on business strength and lender criteria.

CASHFLOW / WORKING CAPITAL

  • Flexible funding used to manage day-to-day business expenses such as wages, rent, tax, and supplier payments, helping smooth cash flow gaps and keep operations running without disruption.
    3 – 24 month terms available

LINE OF CREDIT / REVOLVING FACILITY

  • A flexible business funding facility that allows you to draw, repay, and redraw funds up to an approved limit, with interest charged only on the amount used. Ideal for managing fluctuating cash flow or covering short-term business needs.
    12 – 60 month terms available

VEHICLE FINANCE

  • Funding used to purchase new or used vehicles for business purposes, allowing businesses to spread the cost over time while preserving working capital and aligning repayments with cash flow.
    12 – 84 months terms available

EQUIPMENT FINANCE

  • Funding used to purchase or upgrade business equipment, vehicles, or machinery, with repayments structured around the asset’s use and lifespan, helping preserve cash flow while supporting day-to-day operations.
    12 – 72 month terms available

EXPANSION / GROWTH FINANCE

  • Funding designed to support business growth, such as opening new locations, hiring staff, increasing capacity, entering new markets, or investing in systems and infrastructure to scale operations.
    12 – 60 month terms avaliable

STOCK / SUPPLIES

  • Funding used to purchase inventory, materials, or supplies needed to keep the business operating and meet customer demand. Commonly used to manage cash flow, prepare for busy periods, or take advantage of bulk purchasing opportunities.
    3 – 12 month terms available

TAX DEBT / ATO CONSOLIDATION

  • Funding solutions designed to help businesses manage or refinance outstanding tax obligations such as BAS, GST, PAYG, or income tax, either by consolidating debt or replacing ATO payment plans with structured finance.
    6 – 60 month terms available

OTHER

  • If you need specific finance for one that is not listed above, please specify what you are looking at financing in the contact form below.

What Am I Eligible For?

Why Non-Bank Funding

Why many businesses choose non-bank funding

  • Faster approvals than traditional banks

  • More flexible assessment criteria

  • Designed for real-world cash flow, not perfect financials

  • Multiple lenders, not one policy

About Neo Finance Group

Neo Finance Group helps Australian businesses access smarter finance solutions by matching them with the right lender, not forcing them into one box.

We work with a wide panel of non-bank and specialist lenders to structure funding around how your business actually operates.

No generic products. No one-size-fits-all approvals.

How It Works

A simple, no-obligation process

1. Submit a quick eligibility check
Complete a short form with basic business details. This is a soft review only and does not impact your credit score.

2. We assess your business position
We review your trading history, cash flow, and funding needs to understand what options may suit your business.

3. We identify suitable funding options
Based on your profile, we compare available lenders and structures to find options that align with your business, not just a single policy.

4. You review your options
We walk you through the available funding options, including terms, costs, and conditions, so you can make an informed decision.

5. You decide what moves forward
There’s no obligation to proceed. You choose the option that works best for your business, or none at all.

Check My Eligibility

FIND OUT WHAT YOUR BUSINESS COULD BE ELIGIBLE FOR TODAY

All finance is subject to lender approval. Terms, conditions, fees and eligibility criteria apply. Funding amounts and structures vary based on individual business circumstances.