Already have a quote? Get a free second opinion.
Send us the finance deal you've been offered by a dealer or bank, and a broker will read the fine print and tell you — straight — whether it's a good deal or whether we can do better.
Dealer and bank finance offers often bundle in ongoing fees, an oddly-sized balloon, or a base rate with brokerage loaded on top — things that quietly add up over a five-year term. Send us the quote and we'll break it down in plain English, with no obligation.
Who it's for
Business buyers holding a finance offer who want to know if it's competitive.
The things that actually cost you
We look past the headline rate to the rate you'll actually pay, check whether the balloon is sized sensibly for your situation, flag ongoing and establishment fees, and read the early-payout terms. Then we tell you honestly whether to take the deal or let us find a better structure.
Watch for brokerage loaded onto the base rate
A common trick in dealer and finance quotes is a base rate with brokerage quietly loaded on top, so the number you compare isn't the number you actually pay. We'll work back to the real cost and tell you what the deal is genuinely costing you over the full term, not just per month.
Is the balloon sized right for you?
Some quotes carry no balloon, draining your cash flow needlessly; others use an aggressive balloon that leaves a large payment you're not ready for at term's end. The right balloon depends on your business, not the dealer's commission. We'll tell you whether the structure suits you or whether it's been set up to suit them.
Two deals at the same rate can cost very differently
The headline rate is only part of the picture — the balloon, the term, the fees and the lender fit all change what you actually pay. We compare a panel of commercial lenders, so if there's a better-structured deal at a competitive rate, we'll show you the difference in plain numbers and let you decide.
A free second opinion before you sign
Reviewing your quote costs you nothing and there's no obligation to proceed. Sometimes we'll tell you the deal you've been offered is already a good one — that's a fine outcome too. The point is that you sign with confidence rather than wondering whether you left money on the table.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Yes. We handle your details in line with Australian privacy requirements. You're welcome to black out personal contact details before you send the quote — just leave the structure (amount, term, rate, balloon and fees) visible so we can review it properly.
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Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.