We are your partner in financial services

Broc Finance is committed to small business owners with the financial support they need to succeed. Our team of lending experts understand the challenges faced by SMEs today and is dedicated to providing innovative financial solutions that meet their unique needs. Whether you need a Secured Business Loan, Refinancing or any other type of financing, Broc Finance can help. We are experts in getting flexible repayment terms, competitive interest rates, and fast approval times to ensure that your needs are met in a timely manner. The success in facilitating the funding and refinancing of the property is a testament to the importance of having access to expert financial services. In today’s competitive market environment, it’s crucial for homeowners to have access to funding that can help them refinance their property, seize new opportunities, and grow their businesses.

Meet the business

The customer had expansion plans and was looking for a small business loan to help them achieve the same. Given the limited turnover of the business, they were unable to find the required loan amount through few other brokers.

The customer approached us to see if we can assist them to get the required loan amount.

Gardening Services

The challenge

Our team reassessed the application and presented the case with some extra facts to the lender for them to assess the application at its full merits. The lender considered the extra facts in support of the application and was happy to revise its initial approval of $70k to $200k.

The solution


Oct 2021



Turnaround Time

24 hours


Small business loan



The client was extremely happy with the results as we were able to find them the required loan amount to help them with the business expansion.

At Broc Finance, we work towards getting extraordinary results for our customers!

If you have a scenario to discuss, contact us or get an indicative quote


Get pre-approved without any credit checks!

Choose loan options

Learn more about unsecured business loans

What do you need to be eligible?

Be an Australian Business operating in Australia with an active ABN

Turning over more than $5,000 per month

Operating for more than 6 months

Read more or speak to an expert!

Learn More

What are the benefits of Unsecured Business Loan?


No need of security to get an unsecured business loan.

Unsecured business loans are the quickest way to access funds.

Low Doc Approval: You can get an unsecured business loan based on last 6 months bank statements and Identification proof in most of the cases.

No risk of losing any asset owned.

Timely repayment of your unsecured business loan helps build a strong credit history, which will help get competitive interest rates in the future.

Unsecured business loans are a major cash flow booster for the overall growth of the business.

Real results with real people.

Niteesha Nagowah

Niteesha Nagowah

We had an incredible experience working with Saroj from Broc Finance. He is incredibly knowledgeable, responsive, and guided us through the purchase of our company vehicle with expertise. The attention to detail and commitment to finding the best possible options truly set him apart. Highly recommend his services for anyone navigating the complexities of obtaining a finance. Thank you again for outstanding assistance.
vishal srivastava

vishal srivastava

We have used Broc Finance over last 2 years for various business line of credits and vehicle loan. Broc finance have been very professional in this journey. They have understood our needs as business and catered the solutions as per requirement . They look around in market and get one the best financial solution for the business be at vehicle of line of credits . I would strongly recommend the business for there services
Nasir sabiry

Nasir sabiry

Thank you very much in helping me with financing a car SAS. You have been very professional and responsive every time I needed information. Fully recommend to any looking to finance a car.
Ajay Kanumuri

Ajay Kanumuri

I would strongly recommend. Saroj Shah helped to get my loan with in span of three days. He was very supportive and clearly explained the loan process.
Atulkumar Patel

Atulkumar Patel

I don't want to miss this opportunity to say About Saroj Work that he just made it impossible job into possible , I have got loan of 1.5 million event though I have very low credit score . Great work , and highly recommend for any kind of loan issues.
Tajinder Kumar

Tajinder Kumar

For those seeking a trustworthy and dependable financial broker, I would like to recommend Broc Finance. While their fees may be slightly higher compared to other brokers, I found that their personalized approach made it worth it. Broc Finance took the time to understand my specific needs and goals and tailored their services accordingly. Additionally, their prompt availability to answer any questions or concerns was greatly appreciated. Overall, if you're in search of comprehensive and professional financial advice, Broc Finance is an excellent option to consider.
Scott Filby

Scott Filby

Excellent experience with the service of Saroj! He did all the hard work and helped me find what I required. Saroj offered excellent suggestions and went the extra mile with his advice, which won my respect and helped in achieving the outcome required.
Mai Yang

Mai Yang

Absolutely wonderful service! Saroj was amazing with keeping us up to date with our loan application which was approved quickly without any hassle. I would definitely recommend Broc Finance!

Have questions? Talk to a specialist!


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FAQs about Bad Credit Business Loans

Applying for a secured business loan is similar to applying for other business loans. You need to enter some basis details regarding your business and submit documents as required. However, you need to carefully pick the lender who can meet your business financing requirements, are ready to use your asset as a security and can offer competitive pricing. We at Broc Finance can help you with that, you can simply apply through our website or send us a message to contact you or simply give us a call on 1300 253 041 to talk to one of our lending specialists.

The most accepted security by the lenders is a real estate property in the name of the company or the business owner/stakeholder. A few lenders also accept some other assets such as vehicles, commercial equipment, savings in the form of fixed or term deposits or gold as a security.

You are not permitted to sell the assets you pledged as a security without getting approval from the lender. In most of the cases, a lender would only allow it to sell if the security is replaced by some other form of security, or in rare instances, they consider the loan can be converted into an unsecured business loan which can be due to reduction in overall risk associated with the business.

To be eligible for a secured business loan, you need an active ABN and not necessarily be trading. The lenders access the loan eligibility basis valuation of the property and sanction a loan amount up to 80% LVR. In case you have any scenario to discuss, please reach out to us on 1300 253 041 or send us a message. One of our lending specialists would get in touch in no time to assist you

With a secured business loan, your option broadens to qualify for a business loan even if you are a startup or new business. Some of the benefits of getting a secured business loan over an unsecured business loan could be competitive in terms of rate of interest, can get higher loan amount and longer term. You may also qualify for a secured business loan with a bad credit score depending up on lenders’ credit policy and other assessment factors

There are various alternative business loan options which do not require you to be an asset owner. Some of the popular options are unsecured business loan, business line of credit, debtors finance and invoice finance facilities. Please reach out to us on 1300 253 041 or send us a message. One of our lending specialists would get in touch in no time to assist you.

Traditional Banks do offer secured business loans. However, they maintain a strict screening process for loan applications, especially those applied by small businesses, which makes it a difficult and time-consuming process for a small business owner.

Opposed to Banks, there are various non-bank private lenders and fintech companies who specialize in providing business loans to small businesses. Broc Finance is dedicated to assist small businesses with an easy and streamlined process to obtain a Secured business loan through its panel of non-bank cash flow lending partners with possibilities of financing within 24 hours. Please get in touch to know more.

Lenders are generally more lenient with secured business loans for borrowers with bad credit history as there are assets that they can use as protection. We have tie up with lenders who are happy to look at businesses who had bad credit history in the past but have robust cash flow at present. Please get in touch with us for a free consultation.

At Broc Finance, we endeavour to get the most adequate facility suitable to the business requirements of our clients. In most of the cases logged in through us, we try to get an indicative offer from the lender for our client’s consideration before proceeding with formal application and consent to credit check. This approach helps our clients to avoid unwanted rejections and credit checks which can significantly impact their credit score.

We would be happy to answer, if you have any other questions. Please contact us.