Finance for your business, structured around how it actually runs.
Vehicles, trucks and equipment, EV and green assets, ATO debt refinancing, commercial property, cashflow and insurance premium funding for Australian businesses, plus car and home loans. We compare our panel of lenders and set the loan up to suit your cashflow.
Your deal is matched across our panel for the best fit and quickest turnaround. Under $500k, eligible deals can have an answer in 24 hours.*
Tell us the basics and we’ll tell you what’s realistic. Nothing goes on your credit file until you choose to apply.
Larger or more complex deals are handled personally by one of our finance professionals, start to finish.
Finance for businesses and individuals
Tell us who it’s for, then open the products you’re interested in. Pick as many as you like.
Tick one (or both) to see the finance options.
From quote to settlement
Tell us what you need
Answer a few questions about the asset or loan and upload the invoice if you have one. No credit check, so your credit score isn’t affected.
AI-matched, expert-structured
Your deal is AI-matched across our panel of 30+ lenders for the best fit and quickest turnaround. We set the term, balloon and GST timing to suit your cashflow.
Apply, approve, settle
Only when you’re happy do we apply. For eligible loans under $500k that can be an answer within 24 hours. We handle the paperwork until it settles.
Smart matching, with a real person behind it
Every deal is matched by AI against the credit policies of our lender panel, so it goes to the lender most likely to approve it quickly and on the best terms. Straightforward deals move fast. Larger or more complex deals are handled personally by one of our finance professionals.
*24-hour turnaround applies to eligible applicants for loans under $500,000, for example established, GST-registered businesses buying a common asset. Approval and timing depend on the lender’s credit assessment and on us receiving the documents they need. Applying with a lender involves a credit enquiry; we’ll always tell you before that happens.
The choices that change your repayments
Same truck, same rate, very different monthly repayments. Here’s a worked example on a $120,000 truck (incl. GST) over 60 months at an 8% example rate.
The options explained
RepaymentsBalloon (residual)
A lump sum left owing at the end of the loan. It lowers your monthly repayments, but you pay it out, refinance it or trade the asset at the end. Lenders usually cap it by asset type and term, often 20–50% for vehicles.
RepaymentsLoan term
Most business assets are financed over 1 to 7 years. A longer term means smaller repayments but more interest overall. Older assets usually need a shorter term.
Tax & cashflowGST paid back in month 3
If your business is registered for GST, you can usually claim the GST on the purchase in your next BAS. Many lenders let you finance the GST and pay it back as a lump sum in month 3, which lowers your regular repayments.
RepaymentsAdvance or arrears
In arrears, the first repayment is a month after settlement. In advance, it's due at settlement. Paying in advance slightly lowers the repayment.
Loan typeChattel mortgage
You own the asset from day one and the lender takes security over it. It's the most common choice for GST-registered businesses buying vehicles and equipment.
Loan typeFinance lease and hire purchase
With a lease, the lender owns the asset and you pay to use it, with a residual at the end. With hire purchase, ownership passes to you after the final payment. Each is treated differently for tax.
Growing fleetsEquipment finance limit
A pre-approved limit with a lender that you draw on as you buy. Each purchase is approved faster with less paperwork, which suits businesses adding assets through the year.
ApprovalFull doc or low doc
Full doc applications use financial statements and tax returns and usually get the sharpest rates. Low doc options suit established businesses whose financials aren't finalised yet.
General information only. It doesn't take your objectives, financial situation or needs into account. Speak to your accountant about the tax treatment of each option.
Estimate your repayments
Move the sliders to see how the term, balloon and GST timing change the monthly repayment. The rate is an example. Change it to any rate you've been quoted.
Common questions
Will getting a quote affect my credit score?
No. The free assessment doesn’t involve a credit check. We only make a credit enquiry when you decide to apply with a lender, and we’ll tell you before that happens.
How fast can I get approved?
For eligible loans under $500,000 we can often have an answer from the lender within 24 hours of receiving your details. Larger loans, property and complex deals take longer, and we’ll give you a realistic timeframe upfront.
What do I need for a loan under $500k?
For many established businesses it’s just driver’s licence details, your ABN and the invoice or quote for the asset. Lenders may ask for more depending on the amount, the asset, how long you’ve been trading and your credit history.
Can I get finance if my business is new?
Yes, some lenders on our panel lend to businesses with an ABN under 2 years old, usually with a deposit, a property owner as guarantor or a lower loan amount.
Can you refinance an ATO debt?
Yes. We can refinance tax debts with secured or unsecured business loans. Lenders usually want your lodgements up to date. See ATO debt refinancing.
What’s a balloon, and do I need one?
A balloon is a lump sum left owing at the end of the loan. It lowers your monthly repayments but you pay it out, refinance it or trade the asset at the end. It’s optional. Try it in the calculator.
Do you charge a fee?
The assessment is free. We’re usually paid a commission by the lender, and if there’s any fee for your loan we’ll tell you in writing before you go ahead.
Can I finance a private sale?
Yes, for cars, utes, trucks and many types of equipment. We’ll need the seller’s details and the lender may want an inspection or valuation.
Find out what you can borrow
Free assessment, no credit check. We’ll come back to you within one business day.