We look at the whole picture, not just a number. A real answer in hours.
Two minutes. No upfront credit check. Bad credit and ATO debt OK.
We work with Australian businesses trading 3+ months, with an ABN registered 5+ months and $10,000+ average monthly turnover.
One lender's no is not the last word. Our funding partner takes a fresh look at the whole business.
A credit score is one line in your file. We ask about the business behind it.
Tax debt on the books doesn't rule you out. It's part of the conversation, not the end of it.
Tax debt the main worry? See how Tax & ATO Debt Funding works.
A quick form, about a minute. No business plans, no projections.
An open-minded look at your business, with no upfront credit check.
A real answer in hours, and funds in your account in as little as 24 hours.
Often, yes. Our funding partner considers the full picture of your business, including bad credit, defaults and ATO debt, not just a credit score.
There's no upfront credit check to get an indicative answer, so asking won't leave a mark on your credit file. A check only happens later, with your consent, if you choose to proceed.
You'll often get a real answer within hours, and funds can be in your account in as little as 24 hours.
No. Zupo is a broker, an arranger and intermediary. We connect Australian businesses with our funding partner, and a real person handles your enquiry.
Want the detail first? Read our full guide to bad credit business funding, or dig into why funding applications get declined and what actually happens after the bank says no.