ASSET FINANCE
Car Loans
New, used, or refinanced — get behind the wheel faster with flexible car finance tailored to your budget.
Whether you're buying from a dealership or a private seller, we compare lenders to find you competitive rates for both personal and commercial vehicle purchases. Options include:
· Fixed or variable rates
· Chattel mortgage or novated lease for business use
· No balloon or low‑balloon structures
Most approvals within 24–48 hours.
Consumer car loans are regulated under the NCCP Act. Business‑purpose car loans have different requirements — we'll help you choose the right path.
PERSONAL Loans
Flexible funding for life's big moments — debt consolidation, travel, medical expenses, or anything in between.
A personal loan is typically unsecured, meaning no asset is tied to the loan. We work with non‑bank lenders and smaller credit providers who can approve quickly, even with less‑than‑perfect credit history.
Loan amounts: $2,000 – $75,000
Terms: 1 – 7 years
Repayment options: weekly, fortnightly, or monthly
Because personal loans are consumer credit, we fully comply with responsible lending obligations — including verifying your income and expenses to ensure the loan is suitable for you.
BUSINESS Loans
Working capital, equipment finance, or expansion funding — keep your business moving with tailored lending solutions.
Unlike consumer loans, business loans are assessed on your company's financial health, not just your personal credit score. We offer access to:
· Secured business loans (backed by property or other assets)
· Unsecured business loans (faster, but higher rates)
· Line of credit (draw only what you need)
· Invoice finance (unlock cash tied up in unpaid bills)
Minimum turnover requirement: typically $150k – $200k per year
Fast approval: termsheets often within 48 hours for established businesses
⚠️ Important: Business loans are not regulated by the National Credit Code. However, as your broker, we still conduct reasonable inquiries to ensure the loan structure matches your business's genuine needs and repayment capacity.
SMSF Loans
Use your self-managed super fund to borrow for residential or commercial property investment. SMSF loans allow your fund to acquire an asset with the benefit of limited recourse borrowing arrangements (LRBA), as permitted under superannuation law.
How they work:
· A bare trust structure holds the property until the loan is repaid
· The SMSF makes a deposit (typically 30–40%) and the lender provides the balance
· Rental income and super contributions service the loan
· The lender's recourse is limited to the property itself
LVR Range: Typically 60–70% for residential, 65–75% for commercial
Typical requirements:
· Corporate trustee structure preferred
· Proven rental income or serviceability from contributions
· A compliant SMSF trust deed allowing borrowing
· No personal guarantees from members (generally)
Why consider SMSF lending?
Build property wealth inside a tax‑advantaged super environment. Capital gains may be taxed as low as 10–15% if held long‑term, and rental income is taxed at the fund's concessional rate.
Important note:
SMSF borrowing is complex and strictly regulated by the SIS Act. We only recommend this structure after a full review of your fund’s trust deed, investment strategy, and the advice of a qualified SMSF accountant or financial adviser.