Independent Finance Broker. Melbourne-Based. 50+ Lenders. Every Loan Type.
Australian Finance & Loans is an independently operated finance brokerage based in Melbourne, helping individuals and businesses across Australia access the right loan through the right lender at the right rate. As an authorised Credit Representative of Fintelligence, Australia's Asset Finance Aggregator of the Year 2024 and 2025 we operate within one of the most credible and well-resourced broker networks in the country. We compare over 50 lenders in a single application. No dealership markup. No bank bias. Just independent advice.
50+
Lenders on Our Panel
Banks, specialist equipment lenders, non-bank business lenders and green loan providers.
40+
Loan Types
Vehicle, business, equipment, personal, trade finance, invoice finance and green loans.
Who We Are
Australian Finance & Loans (ACN 696 193 692) is an independent finance brokerage based at Level 4, 152 Elizabeth Street, Melbourne VIC 3000. We are not a bank, not a lender, and not affiliated with any dealership or equipment supplier. We are an authorised Credit Representative of Fintelligence (National Finance Alliance Pty Ltd) Australia's Asset Finance Aggregator of the Year for 2024 and 2025, now fully owned by ASX-listed Australian Finance Group (AFG). This means we operate within one of the most regulated, technology-enabled and lender-connected broker networks in Australia, with access to over 50 lenders through Fintelligence's Ambition Cloud platform.
Our team brings over 20 years of combined experience in Australian finance across vehicle lending, commercial equipment finance, business lending, trade finance and personal credit. We have arranged finance across every major asset category from $5,000 personal loans to $3,000,000 medical imaging installations, from single car loans to 100-vehicle fleet facilities, from import finance letters of credit for manufacturing importers to invoice finance facilities for fast-growing recruitment agencies. We understand the difference between a chattel mortgage and a finance lease, between recourse and non-recourse invoice finance, between a usance LC and a sight LC and more importantly, we know which structure serves each client's situation best.
We serve clients across Victoria, New South Wales, Queensland, South Australia, Western Australia, Tasmania, the Northern Territory and the ACT. The majority of our work is conducted by phone and email, most clients never need to visit our Melbourne office. If you are in regional Victoria, rural Queensland or suburban Perth, the service is identical to what a Melbourne CBD client receives.
Why an Independent Broker Beats Going Directly to a Bank or Dealer
When you walk into a bank, you get that bank's products at that bank's rates. When you finance through a car dealership or equipment supplier, you get their finance arm's products — and the dealer earns a commission on your loan that is built into the rate offered to you. Neither your bank nor your dealer has any incentive to find you a better rate elsewhere. We do.
As an independent broker with a panel of over 50 lenders, our commercial incentive is aligned with yours: we only get paid when we find you a loan that settles. That means we are motivated to find the right lender, the right structure and the most competitive rate. We regularly arrange finance at 1% to 3% p.a. below what a dealership or a single bank would have offered for the same asset. On a $150,000 equipment loan over 5 years, a 2% rate difference saves approximately $8,100 in total interest. On a $500,000 truck loan, the same difference saves over $27,000.
Independence also means we can advise on structure, not just rate. A chattel mortgage and a finance lease both finance the same asset but have different tax implications, different balance sheet treatments under AASB 16, and different residual value obligations. A business overdraft and an invoice finance facility both solve a cash flow problem, but one is secured against property and the other against receivables. We give honest, structure-specific advice because we have no product to push — only your outcome to optimise.
24–48hrs
Typical Approval Time
Most applications approved within one to two business days. Some same-day.
Backed by Australia's Leading Asset Finance Network
As an authorised Credit Representative of Fintelligence, Australian Finance & Loans operates within a broker network that has been named Asset Finance Aggregator of the Year at the Commercial Finance Awards in both 2024 and 2025. Fintelligence is now wholly owned by Australian Finance Group (AFG), one of Australia's largest publicly listed financial services companies (ASX: AFG), which settles over $3.3 billion in asset finance annually across its broker network.
What this means for our clients is significant. We access lenders, compliance systems, technology and training through a national infrastructure that most small independent brokers cannot replicate. Our lender panel, over 50 banks, specialist lenders and non-bank financiers is negotiated and maintained at aggregator level, giving our clients access to products and rates that would not be available through a broker operating without aggregator support. Our applications are processed through Fintelligence's Ambition Cloud platform, which provides real-time lender integration, automated compliance checks and a faster, more transparent application process.
When you use Australian Finance & Loans, you get the personal service and independence of a boutique Melbourne broker with the lender access, compliance framework and technology of one of Australia's largest and most awarded asset finance networks. That combination is genuinely rare in the Australian broker market.
Authorised Credit Representative of Fintelligence (National Finance Alliance Pty Ltd)
Fintelligence: Asset Finance Aggregator of the Year — 2024 and 2025
Fintelligence is wholly owned by AFG (ASX: AFG) — Australia's largest listed finance group
Over $3.3 billion in annual asset finance settlements across the AFG/Fintelligence network
50+ lenders accessed through Fintelligence's Ambition Cloud platform
Complaints: AFCA access through our ACL holder — free, independent dispute resolution
ACN: 696 193 692
Located: Level 4, 152 Elizabeth Street, Melbourne VIC 3000
National service — all Australian states and territories
What We Finance
Vehicle & Asset Finance
New and used car loans, truck and trailer finance, fleet facilities, EV loans with FBT-exempt structures for eligible electric vehicles, motorcycle loans, caravan and RV loans, boat and marine finance, forklift loans, aircraft and helicopter finance, and specialist vehicles including food trucks and classic cars. Consumer and business structures including chattel mortgage, finance lease and novated lease.
Business & Equipment Finance
Equipment and machinery loans for manufacturing, construction, medical, agricultural, technology and professional service businesses. Chattel mortgage, finance lease, low-doc and no-doc business loans, master equipment facilities, sale and leaseback, and startup equipment finance. No property security required for most applications. Specialist lenders for CNC machinery, heavy earthmoving, medical imaging, laser cutting, welding automation, robotics, air compressors and agricultural equipment.
Personal Loans
Unsecured and secured personal loans for emergency expenses, home improvement and renovation, holidays and travel, weddings and events, furniture and appliances, medical and cosmetic procedures, luxury assets and debt consolidation. Amounts from $3,000 to $100,000. Terms from 1 to 7 years. We compare 50+ lenders simultaneously and submit one application to the most appropriate provider — protecting your credit score from multiple hard enquiries.
Specialist Solutions
Invoice finance and factoring for businesses with slow-paying debtors. Import finance, letters of credit, documentary collections and supply chain finance for importers and exporters. Debt consolidation for personal and business borrowers. Green loans for residential and commercial solar, battery storage and EV charging infrastructure with access to CEFC-backed concessional rates. These are not products most brokers offer — they require specialist lender relationships and deep product knowledge.
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We Identify the Right Lender and Structure
We assess your situation against our panel of over 50 lenders and identify the most appropriate lender and loan structure for your specific circumstances. We consider your credit profile, asset type, income evidence available, timeline, and tax position. We then present you with a clear recommendation, the product, the lender, the rate, the term, and why we are recommending it over alternatives.
1
Tell Us What You Need
Call 1300 194 926, email info@australianfinanceloans.com or book a call through our website. Tell us the asset or purpose, the amount, and a little about your situation — business or personal, ABN holder or individual, employed or self-employed. That is all we need to start. No paperwork yet.
How the Process Works
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We Manage the Application Through to Settlement
We prepare and submit the application, manage lender queries, coordinate with you and where relevant with the asset supplier or vendor, and keep you informed at every stage. For most standard applications, approval takes 24 to 48 hours. We handle the process so you do not have to. When the loan settles, we follow up to confirm everything is in order.
Who We Work With
Our Clients
Business owners purchasing equipment, vehicles or needing working capital. Sole traders and contractors who need low-doc finance that their bank cannot provide. Individuals buying cars, consolidating debt, or funding personal goals. Self-employed borrowers whose taxable income understates their actual cash flow. New residents building their first Australian credit profile. Borrowers with impaired credit who have been declined by mainstream lenders. We work with the full spectrum — not just the easiest applications.
Referral Partners
We work closely with accountants, financial advisers, equipment suppliers, vehicle dealers, real estate agents, business brokers, solicitors and mortgage brokers who refer clients to us for specialist finance support. Our referral partners trust us to deliver fast responses, honest advice, competitive outcomes and a smooth client experience that reflects well on their own professional reputation. If you refer clients to us and a loan settles, we pay a referral commission. See our Partner page for full details.
Ready to Compare 50+ Lenders?
Whether you are buying a vehicle, purchasing equipment for your business, consolidating debt, or exploring working capital options — call us, book a call, or apply online. One conversation is usually all it takes to identify the right lender and the right structure. No obligation. No impact on your credit score until you proceed.