Do you charge a fee for your service?

Our role as a broker is generally paid through the lender on a successful settlement, so there's typically no separate fee to you for arranging the finance. We'll always be upfront about how any deal is structured and what, if anything, applies, before you commit to anything.

Will an enquiry affect my credit file?

No — talking to us and exploring options doesn't touch your credit file. We only lodge a formal application, which involves a credit enquiry, once you've seen the options and given us the go-ahead to proceed. Nothing happens to your file just to get a sense of what's possible.

How long does the whole process take?

It varies with the asset and your profile, but low-doc deals on straightforward assets can often be approved within a day or two, and settlement can be same-day once you've found the asset. Getting pre-approved first is what makes everything faster when you're ready to buy.

Do I need to have found the asset first?

No — and we'd usually suggest you don't. Get pre-approved first so you know your budget, your approval holds for around 90 days, and you can negotiate as a cash-equivalent buyer. Then go and find the right asset, whether that's from a dealer, privately or at auction.

How It Works

How equipment finance works

Four simple steps — and we handle the lender side so you can get on with running your business.

From your first enquiry to the lender paying the supplier, here's how a typical equipment finance deal runs. Get pre-approved early and the whole thing moves faster when you're ready to buy.

Who it's for

Australian business owners planning an equipment or vehicle purchase.

STEP 1

Tell us what you need

Give us the basics — your business, your ABN, and what you're looking to buy (or just a repayment you're comfortable with). We do a quick read of your situation to see which lenders fit and whether low-doc is on the table.

STEP 2

We match you to the right lender

We compare a panel of commercial lenders and match your situation to the one most likely to approve it on the best terms. You get clear options — the rate, the structure and the balloon — explained in plain English, not jargon.

STEP 3

Get pre-approved, then go shopping

Once you're approved, your pre-approval typically holds for around 90 days. Go and find the asset (we can help with vehicles and trade-ins), negotiate as a cash-equivalent buyer, and let us handle the paperwork.

STEP 4

We settle it

We finalise the documents and the lender pays the supplier directly. With a low-doc deal on a straightforward asset, settlement can often happen the same day once you've found it.

WHAT WE NEED

The basics that get you a fast answer

To read your situation we usually just need your ABN details, a rough idea of the asset and amount, and whether a director owns property. From there we can tell you quickly whether low-doc is on the table and which lenders fit. We don't lodge anything to a lender without your say-so, so there's no credit-file hit just to explore options.

AFTER THE TERM

What happens to the balloon at the end

If your deal has a balloon (residual), it falls due at the end of the term — usually around five years in. You can refinance it into a new facility, pay it out, or roll into finance for the next asset if you're upgrading. We flag the options well before it lands, so it's never a surprise.

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

Call +61 468 016 210

Indicative estimate

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.

Repayment I’m comfortable with$1,500/mo

Term5 years

Balloon / residual30%

A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.

Indicative rate7.50% p.a.

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.

You could finance approximately

$94,330

at $1,500/mo ($346/wk)

Balloon due at end$28,299

Total of repayments$118,299

Est. cost of finance$23,969

Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.

Common questions

A balloon is a lump sum deferred to the end of the term. Adding one lowers your monthly repayments and keeps more cash in your business; at the end of the term you refinance it, pay it out, or roll into a new asset. Around 30% is a common balloon, with new vehicles able to go higher.

Explore more finance

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.

Call +61 468 016 210