31/08/2026
One year into his ABN, credit score under 500 off a busy file. He was approved anyway.
No defaults. Just an active file. What he had was a 12 month credit reference from a previous loan and a 10 per cent deposit.
Nothing about his business changed. Only the rulebook it was measured against.
Some lenders weigh weight payment history ahead of the score. Finding those lenders is the whole job. More than 40 policies get read against your profile before anything is submitted, then the two best fit options come back in plain English.
Approvals commonly land inside 24 to 48 hours.
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