Bloom Reset – Specialist Finance
Been knocked back? That’s exactly where we start
Bad credit, bankruptcy, visa status, a business with low credit scores – we look past the file that got you declined and find a way to get you into the truck, ute or machine you need.
★★★★★ 5-star rated on Google
600+ clients funded
FBAA member
Former Macquarie Bank specialists
WHO IT’S FOR
If a lender has already said no, you’re in the right place
Bloom Reset is designed for businesses that don’t currently fit mainstream lending criteria. We look at the position you’re in today and provide an alternative pathway, with the aim of helping eligible customers transition back to mainstream finance over time.
We work with business owners every day who’ve been declined elsewhere. None of the situations below are a dead end – they’re just where the assessment starts.
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Bad credit history
Arrears, defaults, judgements, we know which lenders will still look at your file.
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Bankruptcy
Discharged or still undischarged, we have options available.
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Visa & temporary residents
Bridging, 457, 482 and more, many visa types are eligible for finance.
HOW WE HELP
Three ways we get you financed
Unlike a traditional finance broker, Bloom can explore specialist lenders as well as, for eligible businesses, provide a vehicle or machine directly through our own commercial rent-to-own program.
Path 01
Specialist lender panel
For credit issues that aren’t severe enough to rule out standard lending, we assess whether a specialist lender is still a fit.
We know which lenders are more flexible on things like defaults, low credit scores, previous declines and non-standard circumstances, and what terms may still be available.
In many cases, this can be the simplest path to getting the vehicle or machinery you need without moving straight into rent-to-own.
Path 02
For businesses that aren’t currently approvable through a traditional lender, Bloom may be able to provide the vehicle or machinery directly through our own commercial rent-to-own program.
Fixed weekly payments provide a pathway to ownership, with the opportunity to reassess mainstream finance as your credit profile and business position improve.
Path 03
Structure & refer
For ATO debt, complex entity structures, or situations that need sorting before finance makes sense, sometimes the right first move isn’t a loan.
Where needed, we help identify the issues holding the application back and guide you toward the right next step, whether that’s restructuring, improving documentation, reducing debt pressure or getting the business into a stronger position first.
The goal is to create a practical pathway forward, rather than pushing you into the wrong finance solution too early.
the process
What happens after you apply
1) Apply – Tell us what you need financed and what’s happened so far. Takes a few minutes.
2) We assess properly – A real look at your situation, not an automated decline based on a credit score alone.
3) We match your path – Specialist lender finance, Bloom Rent-to-Own, or a restructure first – whichever genuinely fits your situation.
4) You’re moving – Get the vehicle or machinery you need and get back to business. If you’re on Bloom Rent-to-Own, we can reassess your position over time and explore a move back to mainstream finance where appropriate.
GET STARTED TODAY
Ready to find your path?
No obligation, no pressure – just an honest read on where you stand and what’s actually possible.