Business
Business finance may be used for equipment, vehicles, cash flow support, expansion, working capital, and other business-related purposes.
Timeframes vary depending on the lender and application complexity, however some applications may receive conditional approval within 24–48 hours.
This depends on the type of finance and lender requirements, however we aim to keep the process as smooth and efficient as possible.
We sure do! We have a range of unsecured and secured loans, meaning we have various options to suit your business needs.
In short, it’s determined based on your cash flow – much like a home loan. Your borrowing capacity will be calculated based on income vs expenditures.
Personal
Not always. Some clients may qualify for finance without a deposit depending on their situation and lender requirements.
Yes — many lenders finance both new and used vehicles, subject to eligibility criteria and vehicle age requirements.
Potentially, yes. Some lenders are more flexible than others depending on your circumstances. We’ll help explore suitable options based on your financial position
It may, depending on your current debts, interest rates, and loan term. We’ll help assess whether consolidation is suitable for your situation.
Applying for finance may impact your credit file, however managing debt more effectively over time can help improve your financial position.
Debt consolidation combines multiple repayments into one structured loan, which may help simplify your finances and reduce financial stress.
Not always. In many cases we can discuss your options and assess your position before proceeding with a formal application.
This depends on the type of finance and lender requirements, however we aim to keep the process as smooth and efficient as possible.
A broker can help compare options across multiple lenders and structure finance based on your individual situation and goals.
No — initial discussions are obligation-free. Our goal is to help you understand your options and determine what may work best for your situation.
There’s no single minimum score across all lenders. Your overall financial position is also taken into consideration.
Possibly. Different lenders have different policies, and sometimes finance can be structured differently depending on your circumstances.
Potentially, yes. Many lenders offer solutions for self-employed applicants depending on income verification and business structure.
An approval can be achieved within 1-3 days. However, allow time to collate any required documentation, as this can extend the process.
A pre-approval isn’t necessary, but it’s certainly advised. It’ll provide guidance in terms of your potential borrowing capacity, which is a factor in terms of how much you can afford to spend.
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