Business Loan Eligibility
Check how your ABN age and GST status may shape your business finance options.
- Free to use with no signup
- No impact on your credit score
- Clear estimates you can adjust
Reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 18 August 2026 · About Corey →
Interactive calculator
Search by business name or ABN, we'll check it against the Australian Business Register.
Important information
This checker is a rough guide only. It reads your ABN's public status, trading time and GST registration from the Australian Business Register to indicate eligibility, it is not a quote, an offer, a credit check, or an approval. Any borrowing range shown is indicative and subject to full assessment and lender policy.
FAQ
Business loan eligibility questions
Often, yes. Fewer lenders fund a brand new ABN, but low doc and newer business lenders on our panel do consider businesses trading under six months, usually for smaller limits. More options and higher limits open up once you've been trading around 6–12 months. As a broker we compare the panel and match you to a lender comfortable with your stage.
Many business lenders look for an active ABN trading for at least six months, and you'll reach the strongest rates and limits at around two years, especially if you're registered for GST. That said, there are lenders for newer businesses too, trading time shapes how many lenders and how much, not a simple yes or no.
GST registration helps and some lender pathways also accommodate eligible businesses below the registration threshold. Registration becomes mandatory once annual turnover reaches $75,000, and lenders commonly read it as evidence of established trading. It can widen the available lender options and support higher limits.
It depends on your trading time, turnover, ability to service the repayments, and any security offered, not the ABN alone. The indicative range this tool shows is a broker typical starting point for your profile, not a quote or an approval. A broker can confirm real numbers against our lender panel once we understand your business.
No. This checker only reads public information from the Australian Business Register, it does not run a credit check and leaves no mark on your credit file. Enquiring with us doesn't either; a formal credit check only happens later, and only once you're happy to proceed with a lender.
An active ABN. If your ABN shows as cancelled or suspended on the Australian Business Register, most lenders can't proceed until it's reinstated. It's still worth a conversation, we can talk through reactivating it or other options for your situation.
Straight from the Australian Business Register, your ABN's active status, the date it became active (trading time), and whether it's registered for GST. We combine those public facts with typical lender appetite to give an indicative read. It's a guide to help you plan, not a lending decision.
It varies by lender and loan type. Low doc options can need as little as your ABN, ID and recent bank statements, while full doc loans may ask for BAS or financials. Once we know what you're after, we'll tell you exactly what's needed upfront, no surprises.