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Silk Road Finance

Business, Credit-Impaired & Complex Self-Employed Finance

Specialists in the loans that don't fit a simple box

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Why Silk Road Finance

No airy-fairy. No holds barred.

Exactly what we do: complex self-employed structures, business owners between financial years, and credit histories that need more than a computer's tick-box. No hand-offs. No "come back when it's simpler." Straight into what's actually possible for you.

Panel Bank & Specialist Lenders
1 Day Response Commitment
Duty Best Interests, By Law
0 Confidential
Who We Work With

Many roads,
one destination

Business owner with a default on file? Self-employed and been knocked back before? You're not a category — you're a situation, and we handle both sides at once.

01 — Business Finance

Business
Finance

Access capital to grow, acquire assets, or smooth cash flow — with lenders who understand how Australian business actually works.

  • Equipment & asset finance
  • Business loans & lines of credit
  • Commercial property finance
  • Invoice & debtor finance
  • Trade & import finance
  • SMSF & investment lending
02 — Personal Finance

Credit
Impaired

A difficult credit history doesn't close every door. We work with specialist lenders who look beyond the number to the full picture.

  • Defaults & court judgements
  • Discharged bankruptcy
  • Part IX & X debt agreements
  • Low credit score finance
  • Non-conforming home loans
  • Personal & vehicle finance
The Process

A clear path forward

From first contact to funded — transparent, efficient, and always in your corner.

01

Submit Your Enquiry

Complete our confidential form below. Tell us who you are and what you need — it takes under three minutes.

02

We Assess & Advise

A specialist contacts you within one business day. We review your situation, answer every question, and identify the right path forward.

03

Matched & Funded

We present your options with full transparency on rates, fees, and terms. You choose — we handle everything through to settlement.

Before You Enquire

Straight answers

The questions we're asked most — answered honestly, before you spend a minute of your time on a form.

No. Submitting our form does not touch your credit file. We only run a credit enquiry once you've given explicit written consent and we're actively progressing an application — and we'll tell you before we do.

Every formal application you make leaves a mark on your file. Scattering applications across multiple lenders is one of the fastest ways to damage your score, which is exactly why we assess first and apply once, to the right lender.
For most residential and consumer loans, nothing — the lender pays us a commission on settlement.

Some commercial, specialist, and complex credit-impaired deals do carry a broker fee. If yours does, we tell you the exact amount in writing before you commit to anything. You'll never receive a surprise invoice from us. Full details are in our .
Often, yes — but it depends on the specifics, and anyone who promises otherwise before seeing your file is guessing.

What genuinely moves the needle: how long ago it happened, whether it's paid or unpaid, what caused it, what's changed since, and what deposit or security you can bring. A paid default from three years ago with a solid deposit is a very different conversation to an unpaid one from last month.

Specialist lenders price for this risk, so expect a higher rate than a major bank. The realistic play is usually to secure finance now and refinance to a mainstream lender in 12–24 months once your file has recovered.
We'll come back to you within one business day of your enquiry.

From there it depends entirely on the deal. Straightforward asset and equipment finance can settle in a matter of days. Commercial property and specialist credit-impaired lending takes longer — often several weeks — because there are more moving parts and more questions to answer.

The single biggest delay is almost always missing documents. Having your paperwork ready is the fastest thing you can do to help yourself.
It varies by lender and loan type, but as a general guide:

Everyone: photo ID, and 3–6 months of bank statements.
If you're employed: recent payslips, and often a group certificate.
If you're self-employed or a business: the last two years of tax returns and financials, plus recent BAS. If those aren't lodged, say so early — there are low-doc paths, but we need to know upfront.
If there's credit history: anything showing the issue is resolved, and a short written explanation of what happened.

Don't worry about assembling all of this before you enquire. We'll tell you exactly what your specific lender needs.
Your bank can only offer you your bank's products, and can only say yes or no against its own credit policy. If you don't fit, that's the end of the conversation — and you're left with a decline on your file.

A broker sees the whole panel. We know which lenders will look at a discharged bankrupt, which ones accept two months of ABN history, and which ones will decline you on sight. That means matching you to the right lender before an application goes anywhere near your credit file.

We're also bound by a Best Interests Duty — a legal obligation to put your interests ahead of our own and the lender's. Bank staff aren't.
Confidential Enquiry

Start your journey

Your information
is safe with us

Every enquiry is handled with full confidentiality. We never share your details without your explicit consent.

We ask detailed questions upfront so we can give you a straight answer fast — not waste your time chasing a deal that was never going to work.

No credit check
without your written consent
Reply within 1 business day
from a specialist, not a call centre
Best Interests Duty
a legal obligation we're bound by

Silk Road Wealth Pty Ltd Authorised Credit Representative 525659
under Finsure Finance and Insurance Pty Ltd, ACL 384704

Email fabs@silkroadfinance.au Hours Mon–Fri, 9am–5pm AEST

Start your enquiry

One page. Straight answers here mean we can tell you quickly whether we can help — and how. We'll be in touch within one business day.

1 · About you
2 · Your position
Ready to proceed
Within 3 months
Yes
Some
No
3 · Credit history — be honest, it helps us help you
Yes
No
4 · What you need
Consent & Declarations
✦

Enquiry received

Thank you. A Silk Road Finance specialist will review your details and be in contact within one business day.