Industries › Business Owners Finance
Your Bank Sees a Small Business.
We See the Owner.
We See the Owner.
Vehicles, equipment, working capital, and home loans — structured for business owners who need a broker that actually understands self-employment.
$10K
to $2M+ deals
24hr
Indicative terms
Low Doc
& Full doc pathways
All-in-One
Equipment to home loans
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704
Where are you?
Wherever your business is at, we've been there with someone like you.
Tell us where your business is — we'll map the right structure from there.
First vehicle, first asset, first real move.
You've got the ABN, you've got the work — now you need the equipment to do it properly. A ute, a van, tools, a fitout. Banks want three years of trading history you don't have yet. Non-bank lenders assess your industry experience and cash flow trajectory — not just ABN age. Chattel mortgage structures keep repayments fixed while you build the revenue base.
Scaling past the one-person operation.
Revenue is steady, you're hiring, and you need a second vehicle or a warehouse fitout. But the bank still treats you like a startup because you're self-employed. Non-bank lenders look at your BAS and bank statements — not just tax returns. If your credit file has marks from the early years, there are pathways for that too.
Revenue is strong. Cash is tight.
Your invoices are out but the money hasn't landed. Wages and rent don't wait. A business line of credit covers the slow weeks. Working capital bridges the gap between work done and cash received. Invoice finance turns unpaid invoices into same-day cash.
Property & home loans.
You want to buy the warehouse, the office, or the shopfront you've been leasing — commercial property with proper documentation pathways. Or buy your first home with self-employed income the bank won't recognise. One Doc Home Loans use your most recent BAS instead of two years of tax returns. One broker across all of it.
What are you financing?
Different assets need different finance structures. We map the right one first.
The difference between chattel mortgage, lease, and rental can cost you thousands in tax. We sort that before the paperwork starts.
Utes & vans
Toyota HiLux, Ford Ranger, Isuzu D-Max, Toyota HiAce — new or used. The most common business vehicle deal. Most structures settle in under a week with low doc. Instant asset write-off may apply.
See finance optionsLight trucks & rigid bodies
Isuzu NLR, Hino 300, Fuso Canter — delivery trucks, box bodies, tray tops. Registered vehicles go through vehicle finance pathways — often cheaper rates than general asset finance.
See finance optionsCompany cars & fleet
SUVs, sedans, and multi-vehicle fleet deals. Novated-style or direct business ownership. For businesses adding their second, third, or tenth vehicle — fleet pricing and bundled facilities available.
See finance optionsMachinery & tools
CNC machines, lathes, forklifts, compressors, welding rigs — industrial and workshop equipment. Chattel mortgage is the most common structure for hard assets. Finance from $10K to $2M+.
See finance optionsIT infrastructure
Servers, workstations, networking, point-of-sale systems, cloud hardware. Technology assets can be financed on lease or rental structures — especially useful for fast-depreciation assets.
See finance optionsFitout & shopfront
Office fitouts, warehouse shelving, retail shopfront builds. Fitouts often combine hard assets (furniture, fixtures) with soft costs (design, install). We typically split the deal to get the best rate on each.
See finance optionsPOS & retail systems
Point-of-sale hardware, self-checkout, kiosks, digital signage, payment terminals. Lease and rental structures are common for technology that refreshes every 3–5 years.
See finance optionsOffice equipment
Desks, chairs, meeting room setups, printing and copy equipment. Often bundled with IT as a single facility. Instant asset write-off structures available for eligible items.
See finance optionsWarehouse & logistics gear
Pallet racking, conveyor systems, cold storage, loading dock equipment. High-value warehouse assets finance well on chattel mortgage — especially with established trading history.
See finance optionsBeyond equipment
Cashflow, property & specialist lending for business owners.
Equipment is half the picture. Growing businesses need cashflow solutions, property pathways, and lending that banks won't offer self-employed owners.
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Working capital loans
Bridge the gap between invoicing and payment. Cover wages, stock, and overheads while waiting for clients to pay — without touching your savings.
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Business line of credit
A revolving facility you draw on when you need it and pay back when cash comes in. Designed for the natural ebbs and flows of self-employed income.
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Invoice finance
Turn unpaid invoices into same-day cash. For businesses with corporate clients, government contracts, or 30–90 day payment terms that slow everything down.
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Caveat loans
Need $50K–$500K in 24–48 hours? Short-term lending secured against property for time-critical purchases, deposits, or urgent business needs.
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Commercial property
Buy the premises you've been leasing. Warehouses, offices, retail spaces, mixed-use buildings. Low doc pathways for self-employed business owners.
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Bad credit business loans
Past defaults, ATO debt, or a rough first year. If the business is performing now but the credit file has marks — there are non-bank pathways.
Your home loan too
Already sorted the business? There's one more thing the bank won't help with.
Most equipment brokers only handle asset deals. Most mortgage brokers don't understand self-employed income. We do both.
One Doc Home Loan
Use your most recent BAS instead of two years of tax returns. Same houses, same rates — different documentation pathway. For business owners with trusts, company structures, or variable distributions, alt doc verification pathways are also available.
50+
articles for business owners
Chattel Mortgage Explained
Low Doc Business Loans Guide
Equipment Finance: Lease vs Buy
Working Capital & Cashflow Guide
Latest reads
Estimate your repayments
See what your equipment or vehicle could cost.
Adjust the sliders to get an indicative monthly estimate. Every business deal is different — this gives you a starting point.
Asset value$80,000
Deposit$8,000 (10%)
Loan term
Structure
Indicative estimate
Est. monthly
$1,424
Total cost
$85,440
Financed
$72,000
Tax structure
GST claimable ✓
Indicative only — based on standard rate assumptions. Actual terms on enquiry. No credit check at this stage.
Get an indicative quote →No credit check · No obligation · We respond same day
Are we a fit?
Who this works for — and who it might not.
We're not for everyone. Here's how we think about fit so nobody wastes time.
Established business (2+ years)
$10K – $500K
Trading for at least two years, consistent revenue, BAS lodged. Upgrading vehicles, adding equipment, or smoothing cashflow. This is the sweet spot — fast approvals, best rates, most structure options.
New business (under 12 months)
$5K – $200K
Just started, need your first vehicle or equipment. Specialist lenders assess industry experience, cash deposits, and asset type — not just ABN age. Deposits may apply, but the pathway is clear for the right borrower.
Growing SME (scaling up)
$50K – $1M+
Adding fleet vehicles, fitting out a second location, or structuring finance across multiple entities. Complex deals with trusts, companies, and multiple directors — exactly what we're set up for.
E-commerce / service business
$10K – $300K
Online retailers, consultants, agencies, digital businesses. Vehicle finance, IT infrastructure, office fitouts, and working capital. Lower deal sizes but fast approvals for businesses with clean bank statements.
We work with business owners and self-employed operators only — not PAYG employees. If you're thinking about starting a business and need to finance equipment from day one, get in touch and we'll tell you straight whether there's a pathway.
Real deal scenarios
How business deals actually move through our process.
These are based on real deal structures we've arranged. Names changed, details representative.
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James — Delivery van + working capital
Toyota HiAce + $40K LOC · $125K · Dual facility
James runs a small courier and logistics business in western Sydney. Growing demand meant he needed a second delivery van ($85K) and a working capital facility ($40K) to cover fuel and driver wages while waiting for corporate invoicing to clear. Three years trading, sole trader, consistent monthly revenue. We structured the van on a 5-year chattel mortgage and the working capital as a separate revolving line of credit — two facilities, one broker, settled in the same week.
Day 0 — Dealer quote + 6 months bank statements + BAS
Day 2 — Both facilities conditionally approved
Day 4 — Docs signed, van deposit paid
Day 7 — Van collected, LOC activated
Dual facilityLow docChattel mortgage
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Priya & Ravi — Full office/warehouse fitout
Warehouse + office setup · $180K · Trust structure
Priya and Ravi run an e-commerce fulfilment business moving from a home garage into a proper warehouse. Total fitout $180K — racking, packing stations, IT infrastructure, office furniture, and cold storage. Company and trust structure with two directors. We split the deal: hard assets (racking, cold storage, IT) on a 5-year chattel mortgage, soft fitout costs (electrical, partitioning, install) on a 12-month working capital facility. Better rates on the hard assets, flexibility on the soft costs.
Day 0 — Itemised fitout quotes + lease agreement + 6 months bank statements
Day 3 — Both facilities conditionally approved
Day 6 — Docs signed, fitout deposits paid
Day 18 — Warehouse operational, finance settled
Trust structureHard/soft cost splitDual facility
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Sarah — Home loan with self-employed income
One Doc Home Loan · $550K · BAS-based
Sarah runs a graphic design consultancy — five years trading, strong revenue, but her income flows through a company and a discretionary trust. The bank wanted two years of personal tax returns showing consistent PAYG-style income she doesn't have. We structured a One Doc Home Loan using her most recent BAS as the primary income evidence. Same property, competitive rate — different documentation pathway that actually works for self-employed business owners.
Day 0 — Most recent BAS + 3 months bank statements + ABN confirmation
Day 3 — Conditional approval from specialist lender
Day 10 — Valuation complete, formal approval
Day 28 — Settlement
One DocBAS-based incomeTrust structure
Common questions
Questions business owners ask before they apply.
Straight answers. No jargon.
Yes, in many cases. For vehicles and equipment, specialist lenders assess industry experience, deposit size, and asset type — not just ABN age. A tradie with 10 years experience starting a new company finances very differently to someone brand new to the industry.
For low doc: a clear quote or invoice, 3–6 months of business bank statements, and your ABN. That's it. Full doc adds BAS and financial statements but typically gets better rates. We'll tell you which pathway makes sense for your deal.
Indicative terms within 24 hours for most asset deals. Formal approval typically 2–5 business days for vehicles and equipment. Working capital and lines of credit can sometimes be activated faster. Complex fitout deals with multiple cost components take longer.
Asset finance (chattel mortgage, lease, rental) is secured against a specific asset like a vehicle or piece of equipment. Cashflow finance (working capital, line of credit, invoice finance) is assessed on your business revenue and cash flow — it funds operations rather than specific purchases. Many businesses need both.
No. A credit check only happens after you agree to proceed and we submit to a lender. Enquiring costs you nothing and doesn't touch your credit file.
Yes. Our One Doc Home Loan uses your most recent BAS instead of two years of tax returns. For business owners with trust structures, company distributions, or variable income — this is the pathway that actually works. Same houses, competitive rates, different documentation.
Ready to finance your next business move?
No credit check to enquire. We respond same day. One broker from ute to home loan.
Switchboard Finance Pty Ltd · ABN 29 691 892 289 · Credit Representative 576702 · Authorised under Finsure Group Pty Ltd · Australian Credit Licence 384704
General information only — not financial advice. All applications subject to lender criteria and assessment.
General information only — not financial advice. All applications subject to lender criteria and assessment.
© 2026 Switchboard Finance Pty Ltd. ABN 29 691 892 289. Credit Representative 576702 is authorised under Australian Credit Licence 384704 (Finsure Group Pty Ltd). All finance applications are subject to lender criteria, terms, and conditions. Information on this page is general in nature and does not constitute financial advice. Switchboard Finance does not guarantee approval or specific rates.
Get an indicative quote
No credit check. We respond same day. Tell us what you need and we'll map the best structure.