For established Australian business owners
Bank said no? That's not the end of the road.
Behind on tax returns, carrying an ATO debt or juggling business loans? Blue Chip connects you with specialist finance professionals who look at the whole picture, not just a checklist.
- Free to you
- No obligation
- Licensed Australian brokers
- 2024 and 2025 tax returns not lodged
- ATO payment plan in place
- Income "too variable"
- 12 years trading, steady turnover
- Strong equity in property
- Access to specialist and private lenders
Illustrative example only.
Sound familiar?
You've built a real business. The bank just can't see it.
Banks lend by checklist. Business owners rarely fit it, especially after a tough year. These are the situations we hear about most.
An ATO debt that won't go away
A payment plan that drags on, with interest building every month.
Tax returns or BAS behind
The business is trading fine, but the paperwork is a year or two behind, so the bank won't look at you.
A cash flow hit
A client paying slowly, or a builder or customer who went under owing you money.
Business loans stacking up
Equipment, vehicle and short-term loans, each with its own repayment eating into cash flow.
A growth opportunity you can't fund
A contract, a site or new equipment, and no way to fund it on the bank's terms.
Something else?
Every business is different. Tell us what's going on and we'll find the right specialist for your situation.
Tell us your situation →What's possible
The equity in your property can work for your business.
If you own property with good equity, a specialist may be able to use it to secure finance that solves a business problem.
All finance is subject to the lender's assessment and approval. Blue Chip doesn't lend or give credit advice; your broker will explain your options, costs and risks.
- Clear the ATOPay out a tax debt and stop the interest and pressure.
- Fund working capitalSmooth out cash flow while you wait on slow payers.
- Consolidate business debtsRoll several business loans into one simpler repayment.
- Fund growthTake on the contract, the equipment or the next site.
How it works
One short form. One conversation with the right specialist.
- 2 MINUTES
Tell us about your situation
A few quick questions about your business, your property and what you need the funds for. No documents needed yet.
- WITHIN 1 BUSINESS DAY
We match you with a specialist
We check your enquiry and introduce you to a licensed broker who works with situations like yours.
- YOUR CALL
Talk through your options
The broker calls to understand the full picture and explains what may be possible. There's no obligation to go ahead.
Is this for you?
We work best with established business owners.
Being upfront saves everyone time, including you.
A good fit if you
- Have run your business for 2 years or more
- Own property with equity
- Need funds for a business purpose
- Have been turned away, or expect to be, because your paperwork doesn't fit
Probably not the right fit if you
- Are just starting out, with no trading history yet
- Don't own property
- Only want a cheaper personal home loan (we can point you to a residential broker)
- Are struggling to cover everyday living costs. Free, confidential help is available from the National Debt Helpline on 1800 007 007.
Why Blue Chip
Specialists, not a call centre.
We get self-employed
Lumpy income, lodgements behind, an ATO plan. We've seen it before, and it isn't a dead end.
More than the big banks
Our partner brokers work with specialist and private lenders the banks don't advertise.
No judgement
Things happen in business. You'll get a straight conversation, not a lecture.
Your details, handled with care
We share your enquiry with a small number of licensed brokers only, never sold on in bulk.
Questions
Straight answers.
Are you a lender or a broker?
Neither. Blue Chip connects business owners with licensed finance brokers. The broker talks to you about your options and works with the lenders. We don't lend money, assess applications or give credit advice.
Does it cost me anything?
No. Our service is free to you. The brokers we introduce you to pay us for the introduction. If you go ahead with a broker, they'll explain any fees or commissions before you commit to anything.
Will enquiring affect my credit score?
No. Sending us an enquiry doesn't involve a credit check. A broker will always explain and get your permission before any application or credit check is made.
My tax returns are behind. Can I still enquire?
Yes. That's one of the most common reasons people come to us. Some specialist lenders use other ways to assess your business, such as BAS statements, bank statements or an accountant's letter. Your broker will explain what's available.
Can I use this to refinance my home loan?
Our partner brokers focus on finance for business purposes, secured against property. If you only want a better rate on your personal home loan, tell us and we'll point you to a residential mortgage broker instead.
Who will contact me, and how quickly?
We aim to check your enquiry and introduce you to a licensed broker within one business day. Your details go to a small number of licensed brokers only, as set out in our Privacy Policy.
Check your options
Find out what's possible for your business.
Two minutes, no documents, no obligation. A licensed specialist broker will be in touch.
- Free to you, no obligation
- No credit check to enquire
- A real conversation with a specialist
Tell us about your situation
Our online form is coming soon. In the meantime, email us your name, phone number, business type, roughly how much you need and what it's for, and we'll be in touch.
Email hello@bluechipleads.com.au