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Is your business eligible for a loan?
Age of the business. You'll need to have been operating for at least one year for most unsecured business loans offered by alternative lenders and banks, but some do offer unsecured startup finance. Invoice factoring and equipment loans have less stringent criteria on business age, but you'll need to have been operating for at least one year for business overdrafts or a line of credit.
Have a good credit score
Operating in business more than 6 months
Have an Australian Business Number
Have property security