Australia's business finance broker

Business finance built on genuine lender knowledge.

Most business owners waste weeks approaching the wrong lenders. loan-o works differently. We understand your business and your asset first, then connect you to lenders most likely to approve your application from our panel of bank and non-bank providers. Real advice from real people, not a generic online portal.

Check your finance options →Speak with a finance specialist

No obligation. No credit check to enquire. Subject to lender criteria.

★★★★★
Rated 5.0 · 200+ clients

Brisbane · Gold Coast · Sunshine Coast

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No credit check. No obligation.

60 SEC

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Industry credentials you can trust

FBAA Member

AFCA Approved

COG Member

loan-o is an FBAA member, operates within the COG Aggregation network and provides access to AFCA's independent external dispute resolution service.

Trusted by Australian business owners

From sole traders and tradies to transport operators, farmers and established SMEs, loan-o has helped Australian businesses explore finance options for equipment, vehicles, machinery, working capital and growth. One trusted broker. Broad lender panel. Zero generic portals.

Finance explored
$180m+

Significant volumes across real Australian businesses with real finance needs.

Lender panel
40+

Bank and non-bank lenders accessed for equipment, business and trade finance.

Experience
15yrs

Of credit and commercial banking experience behind every conversation.

Client service
5.0★

Highly rated by clients for clear communication and genuine support.

What we finance

What does your business need?

Every business is different. We structure finance around what you're buying, how your business earns income, and which lenders are most likely to approve your situation - not just whoever approves fastest.

All finance options →
Smiling workshop worker - business vehicle finance for tradies and contractors

Ute & Vehicle Finance

Work utes, vans and 4WDs for sole traders, tradies and small business owners. We match your asset and business type to lenders comfortable with your situation.

Explore vehicle finance →
Scania prime mover - truck and trailer finance for owner-drivers and transport operators

Truck & Trailer Finance

From prime movers and tippers to fleet upgrades. We structure repayments around how transport operators actually cash flow.

Explore truck finance →
CAT bulldozer and excavator on an Australian construction site in Victoria - plant and machinery finance

Plant & Machinery Finance

Excavators, loaders, graders, skid steers and workshop equipment. We find structures suited to equipment used in real operations.

Explore machinery finance →
Tractor plowing a field at golden sunset in Narrandera NSW - agricultural equipment finance for Australian farmers

Farm Equipment Finance

Tractors, harvesters, headers, sprayers. We understand seasonal cash flow and structure around your production cycle.

Explore farm finance →
Small business owner in a café - business loans for Australian SMEs and small business owners

Business Loans & Working Capital

Growth capital, stock funding, ATO obligations, cash flow support. We compare options and structure around what your business needs.

Explore business loans →
Worker in warehouse - specialist finance guidance for complex business situations

Trade & Invoice Finance

Import/export finance, purchase orders, invoice factoring. For businesses managing payment timing gaps or stock cycles.

Speak with a specialist →
How it works

The right finance starts
with the right questions.

Getting approved isn't just about finding a lender willing to say yes. It's about matching your business, your asset and your exact situation to lenders most likely to deliver the right outcome.

Construction worker with walkie-talkie at golden hour - understanding the business and what needs to be financed
01 - We listen to your business

We listen to your business

We learn exactly what you do, how you earn, what you need to finance, and why the timing matters right now.

Team reviewing blueprints on a construction site at sunset - assessing the business situation and finance requirements
02 - We assess the full picture

We assess the full picture

We consider the asset, your business structure, available documents, cash flow and every detail that shapes what options are genuinely available.

Warehouse manager reviewing options on a tablet - exploring suitable lender options for your business
03 - We match you to suitable lenders

We match you to suitable lenders

Once we understand your situation fully, we identify lenders likely to approve your finance and explain every option clearly before anything is submitted.

Our point of difference
We're not trying to be
the fastest broker.
We're the broker who
understands your business.
Why it matters

Why working with a business finance broker can save you thousands.

Choosing the wrong lender or the wrong structure - even at the same interest rate - can cost a business thousands in unnecessary fees, poor tax outcomes, or repayments that don't match how the business earns.

A business finance broker helps you navigate options across banks and specialist lenders - not just whoever has the fastest online form. More importantly, a great broker understands your business before recommending anything.

At Loan-o, every conversation starts with your real situation - the asset you need, how your business operates, what documents are available, your cash flow timing and your goals. From there, we find the structure and lender that genuinely fits - not just the one that's easiest to arrange.

This approach delivers better outcomes for business owners financing vehicles, trucks, trailers, machinery, equipment, working capital and growth - across every industry and structure.

John Deere harvesters working in a wheat field - business finance broker for Australian farmers and regional businesses
Why it matters

Anyone can find a lender.
Knowing the right one
is what changes the outcome.

Loan-o accesses a broad panel of 40+ lenders - but the real value isn't in the list. It's in knowing how to match your business, your asset and your borrower profile to the lenders who are genuinely most likely to approve your finance on the best available terms.

Generic finance process

Starts with the product

  • Starts with the lender's product.
  • Prioritises speed over fit.
  • Talks rates before understanding needs.
  • Treats every borrower the same way.
The Loan-o process

Starts with your business

  • Starts with understanding your business.
  • Asks better questions to find the right fit.
  • Explains every option clearly and honestly.
  • Matches finance structure to your real situation.
Real businesses

Real business owners. Real finance. Real results.

Every business owner has a different reason for needing finance. Different assets, different structures, different timing. Loan-o goes beyond the form to understand each situation - and finds the path forward when others can't.

Start yours →
Prime mover truck - transport operator finance in QueenslandTransport● Settled
Transport · Queensland
Truck finance transport operator

Truck finance for a growing transport operator

Situation

A transport operator needed a new prime mover to fulfil upcoming contracted work - but needed the right structure to protect cash flow.

What they needed

Truck finance structured around the asset type, business income and the timing of contracted revenue.

How Loan-o helped

Loan-o identified the most suitable lender and structure, managed the file end-to-end and kept the borrower informed throughout.

● Right lender found · Finance settled · Business growing
Volvo dump truck on an Australian construction site - plant and machinery finance for civil businessesCivil · Equipment● Settled
Civil · Queensland
Machinery finance civil business

Plant and machinery finance for a civil contractor

Situation

A civil business needed to upgrade excavation equipment for active contracts - with timing pressure and a specific asset in mind.

What they needed

A practical chattel mortgage structure for machinery used directly in commercial operations, with competitive pricing.

How Loan-o helped

Loan-o assessed the finance requirement, compared lenders suited to civil equipment, and guided the borrower through to settlement.

● Equipment financed · Contracts delivered · Business operational
Carpenter working in a workshop - business vehicle finance for tradies and contractorsVehicle finance● Settled
Trades · Queensland
Vehicle finance tradie

Ute finance for a tradie ready to scale up

Situation

A sole-trader tradie needed a reliable work ute to support growing jobs - and needed a structure that reflected how a sole trader actually gets paid.

What they needed

Vehicle finance guidance tailored to their ABN age, income type and business setup - not a generic box-tick.

How Loan-o helped

Loan-o found the right lender for a sole-trader borrower, explained the structure clearly and handled everything to settlement.

● Ute financed · Business growing · Client happy
Guy Beglin, Director and Chief Executive of loan-o
Guy BeglinDIRECTOR & CHIEF EXECUTIVE
Meet your specialist

A real finance specialist
who does the work properly.

You can fill in a form anywhere. What you can't get from a portal is someone who actually reads your situation, asks the right questions, and structures your finance accordingly.

Loan-o brings 15+ years of credit and commercial banking experience to every conversation - not to make it complicated, but to make sure you get the right outcome the first time. That means better lender matching, fewer surprises, and finance that actually serves your business long-term.

“Finance can be technical. The conversation should be clear. The outcome should be right.”

Done properly. By someone who genuinely gets your business.

Client voice

Trusted by Australian business owners.

5.0★
Client service
40+
Lender options
15yrs
Experience
SEQ
Local specialist
Google Reviews
5.0
★★★★★
Based on client feedback

“Practical guidance. Real people. Clear next steps.”

★★★★★

“Clear, practical and easy to deal with. They took the time to understand what we actually needed before talking options. Nothing felt rushed.”

MC
Michael C.Electrician, Brisbane QLD
★★★★★

“As a transport operator I have dealt with plenty of lenders. Loan-o is different. They understood the asset, the timing and our cash flow before recommending anything. Good advice without the pressure.”

DR
Darren R.Owner-driver, Logan QLD
★★★★★

“Loan-o understood exactly what we needed and guided us through every step in plain language. The options were explained properly, not just pushed at us.”

SN
Sarah N.Small business owner, Sunshine Coast QLD
How we match lenders

Finding the right lender
starts with the right picture.

Before approaching any lender, Loan-o builds a complete picture of your situation - because the details that seem small often determine which lenders are suitable, what structure will work, and what terms you can realistically expect.

Your business
Your asset
Your situation
The right lender
Your business

What you do

Industry, structure, how long you've traded, and how the finance directly supports your work and income.

Your asset

What you're financing

The ute, truck, trailer, machine, equipment or business purpose - and how it fits your operations and income generation.

Your situation

The full picture

Income evidence, documents, existing commitments, credit profile, timing - everything that shapes the real conversation with a lender.

Lender options

Matched, not guessed

Finance options that fit your real situation - explained clearly, compared honestly, submitted only when you're ready to move forward.

Questions answered

Business finance questions, answered honestly.

The most common questions business owners ask before speaking with a finance broker - answered plainly, without the jargon.

Got a different question? Ask a specialist →

Equipment finance allows a business to purchase an asset and repay the cost over an agreed term, typically two to seven years. The most common structures are chattel mortgage, finance lease and hire purchase. Each has different tax, accounting and ownership implications. loan-o compares options across our lender panel and explains the structure that best suits how your business operates.

Yes. Sole traders access equipment finance and business loans regularly. Lender criteria vary, but key factors typically include your ABN age, how you evidence income, your cash flow pattern and the asset being financed. loan-o works with sole traders, companies, partnerships and trusts and can identify which lenders are most likely to suit your structure.

A chattel mortgage is the most common structure for business asset finance in Australia. The lender takes a mortgage over the asset while your business owns it from day one. This typically means you can claim GST on purchase, depreciation and interest as potential tax deductions. It is one of several structures loan-o compares. The right structure depends on your tax position, cash flow and how you use the asset.

Some lenders work specifically with newer businesses, though options depend on the asset type, your business structure, how you evidence income, and your overall profile. loan-o identifies which lenders may consider your situation and explains what the assessment process involves - so you go in prepared. An enquiry never commits you to a formal application.

loan-o works across a panel of bank and non-bank lenders. We don't claim to compare every lender in Australia. We compare options for your specific situation and identify lenders most likely to approve your application based on your business type, asset and circumstances.

No. An initial enquiry with loan-o is not a formal credit application with any lender. We discuss your situation, explain your options and walk through any credit implications before anything is submitted. You stay in full control of what happens. Nothing moves forward without your knowledge and agreement.

Start the conversation

Ready to find out what your business qualifies for?

Tell us a little about your business and what you're looking to finance. A Loan-o specialist will review your situation and guide you through the options - no obligation, no credit check to enquire.

  • A real specialist reviews every enquiry
  • Clear options explained before anything is submitted
  • No credit check to enquire. No obligation to proceed.
Check your finance options
Business & Equipment Finance Broker Australia | loan-o