Say it like this
What to say when you call about…
The awkward bits, put into plain words. ATO debt, old credit problems, a bank that said no, a deadline on Friday: here's how to say it on the phone so the specialist can help.
When you owe the ATO
How to explain an ATO debt on the phone to a business lender: the details that matter, a script you can adapt, and why saying it early opens more doors.
See the script →Describing property security
Own a home or commercial property? How to describe it to a business lender on the phone: type, owners, value, what is owing and your comfort level.
See the script →How much and why
How to work out how much to ask a business lender for, and how to explain the purpose on the phone in one clear sentence. With a simple sizing checklist.
See the script →Past credit problems
How to explain a default, late payment or other credit problem when you call a business lender: what to say, what to leave out, and why being upfront helps.
See the script →Turnover and statements
How to describe your business turnover to a lender on the phone: which figure to give, how to explain seasonal swings, and what statements will later show.
See the script →A tight deadline
Calling a lender with a settlement, supplier or tax deadline? How to explain the date, what could slow things down, and how to give it the best chance.
See the script →A newer business
Calling about finance for a newer Australian business? How to explain a short trading history, what to lead with, and when property security helps.
See the script →Declined elsewhere
Declined by a bank or another lender? What to say on your next call: who declined, the reason given, what has changed, and why being upfront helps you.
See the script →Existing business debts
Already have business loans, cards or supplier debts? How to list them on a lender call, which details matter, and how to explain debts under pressure.
See the script →Why say the awkward bit early?
Lenders differ widely on tax debt, credit history, trading time and security. Mentioning your situation in the first minute lets the specialist skip lenders that would decline and go straight to ones that look at it case by case. Nothing you say on the first call triggers a credit check. When you're ready, see if you qualify or ring 03 4059 1829.
Ready to talk it through?
Ring the line now if it suits, or leave your details for a call-back at a time that works. No credit check when you first enquire, and your details stay with one team.
Ringing us won't touch your credit file
One conversation, not a bidding war
A real specialist on the line