Commercial Finance

Let’s get your business moving

Fast finance to fit your business

Running a small business is anything but easy but securing the finance you need to grow doesn’t have to be a hassle. Don’t struggle with outdated, inefficient, or inadequate equipment. When you need a ute to get your tools to site, a truck to ramp up deliveries, or a tractor to plough the fields, Oxcel will get your show on the road.

At Oxcel, we know every business is unique. That’s why we draw on a broad panel of lenders to provide a range of ‘full doc’ and ‘low doc’ lending solutions that can be tailored to suit your needs. Whether you’re a sole trader, a partnership, or a corporation, we’ll make sure you get the very best deal for your business.

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Business loans for bad credit

At Oxcel, we know that the life of a small business is a bumpy road. Things don’t always go according to plan. There are many reasons why your credit history may not be perfect and we’re not here to judge.

A bad credit record will make it harder to finance your business, but it’s not the end of the world. Everyone deserves a second chance! We help hundreds of small businesses with bad credit access the finance they need to thrive.

Contact us today to discuss your options.

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Any calculation made using this repayments calculator is intended for illustrative purposes only. The calculator does not take establishment fees, stamp duty, or other government charges into account. Any calculations made should not be relied upon for the purposes of deciding whether to apply for a loan.

Oxcel Finance
Fast, flexible finance without the fuss

Finance at your fingertips

Our team is serving no matter where you are in Australia, we are 100% online & paperless.

Superior flexibility

Get a loan that’s tailored to suit your needs. With a broad panel of lenders and a wide range of finance options, we make sure you get the loan that’s right for you.

Lifetime support and advice

Don’t get left in the cold! We provide 5-star personalised service for the whole life of your loan.


To qualify for a business loan, you must be:

  • A company, partnership, or sole trader
  • Based, registered, and operating in Australia
  • Using the funds for business purposes.

Some lenders also require your business to have been active for a certain period of time and have a minimum monthly turnover.

At an absolute minimum, you’ll need to provide bank statements for the past 6 months. Depending on the lender, loan amount, loan type, and the structure of your business, you may also have to supply:

  • Financial statements, BAS, and tax returns
  • Proof of individual income
  • Your trust deed, partnership agreement, or company registration.

If your business is newly established, you may also be asked to provide:

  • Business plan
  • Cash-flow projections
  • Any contracts with current or future customers.

Business lenders often review your personal credit history, especially if you’re a sole trader, a very small business, or you haven’t been in business very long. A bad personal credit record will make it a bit harder to get a business loan. But don’t worry, Oxcel has plenty of options for people with a poor credit history!

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