The minimal requirement for all commercial lending is to have a current ABN and to have identification. In addition, as for all loans, financial records and docs pertaining to the position of the commercial entity will be required. Being registered for GST is not compulsory but may be favourably viewed by lenders. The more extensive lending records that any loan applicant can provide to accompany their application may be seen as positive by lenders. The reasons why the applicant is experiencing credit issues may influence the lenders, positively or negatively. Lenders will be especially wanting to see proof of the ability to repay the loan over the loan term and proof of any additional assets that can be provided as additional security against the loan. This may be property or assets. Having the documents relating to this assets available would be advisable.