Knocked back? You've still got options.

Zupo connects Australian businesses with a funding partner who considers bad credit, defaults and ATO debt. A real answer in hours, funds in as little as 24 hours.

Apply now
No upfront credit check · Funding from $5,000 to $5 million
Australian small-business owner at the door of his homewares shop

We work with Australian businesses trading 3+ months, with an ABN registered 5+ months and $20,000+ monthly turnover.

We look past the tick-boxes.

Bad credit considered

A low score doesn't end the conversation. Our funding partner looks at your whole business, not just a number.

Defaults and knock-backs OK

Declined by the bank? Many of the businesses we help were too.

ATO and tax debt considered

Tax debt holding you back? It doesn't have to.

How it works.

01

Tell us about your business

A quick form, about a minute. No business plans, no projections.

02

We review

An open-minded look at your business, with no upfront credit check.

03

Funds fast

A real answer in hours, and funds in your account in as little as 24 hours.

See what your business can access.

A couple of minutes, no upfront credit check, no obligation.

FundingStep 1 of 4
$75,000
$5K$5M
Pick what the funding is for.
Let us know your timing.

Questions, answered.

Can I get funding with bad credit?

Often, yes. Our funding partner considers the full picture of your business, including bad credit, defaults and ATO debt, not just a credit score.

Will you run a credit check?

There's no upfront credit check to get an indicative answer.

How fast is it?

You'll often get a real answer within hours, and funds can be in your account in as little as 24 hours.

Is Zupo a lender?

No. Zupo is an arranger and intermediary. We connect Australian businesses with our funding partner.

Bank said no? Let's talk.

Tell us about your business and get a real answer in hours.

Apply now