Business loans,
tailored for you.
We compare 40+ lenders to find the right loan for your business whether you need equipment finance, a business vehicle, working capital or something more specific. One broker, start to finish.
Or call Cameron directly: 0433 858 255
Business finance covers the loans businesses use to buy equipment, vehicles, manage cash flow and fund growth. A finance broker compares multiple lenders to find the right product and rate for your situation, whether that's a chattel mortgage for a vehicle, equipment finance for machinery, or a working capital loan to cover a cash flow gap.
At Better Lending Co, We compare 40+ lenders, no credit impact, and no cost to explore your options. If you decide to proceed, all fees are transparent and explained upfront.
Most business owners go to their bank first. That gets them one option, whatever the bank has available. We review 40+ lenders to find the best one that suits your business, your credit profile and your specific purpose. We then handle the paperwork from application to settlement.
Business loans for every need.
Whether you're buying equipment, managing cash flow, or funding growth, there is a loan structure designed for it. We can identify the right one for your situation.
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Also known as a chattel mortgage or ABN loan. Buy a ute, van, truck or company car for business use. Own the vehicle from day one. Claim GST upfront, deduct interest, and access the permanent instant asset write-off on eligible vehicles.
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Buy the machinery, tools, technology or fit-out your business needs without depleting cash reserves. Spread the cost over 1–7 years while the equipment pays for itself. Available for new and used assets.
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Cash for wages, stock, tax obligations or seasonal gaps. Unsecured, no asset required. Many lenders settle within 24 hours. Particularly useful heading into the new payday super obligations from 1 July 2026.
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Get paid today on outstanding invoices instead of waiting 30–90 days. Improves cash flow without taking on new debt. Available as invoice discounting (you chase the debt) or factoring (the lender does).
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The lender buys the asset and leases it to you. Lower repayments than a purchase loan in many cases. Option to buy at the end of the term, upgrade to a newer model, or hand it back. Note: the instant asset write-off does not apply under a lease.
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Larger unsecured business loans for growth, acquisition, fit-out or refinancing existing debt. Assessed on business financials, trading history and the purpose of funds. Suitable for businesses with 12+ months trading history.
WHO WE WORK WITH
We work with businesses of all shapes.
If you have an ABN and a business need, there is almost certainly a lender on our panel who can help, regardless of how new your business is or what your credit looks like.
| Who you are | How we help |
|---|---|
| Tradies and sole traders | Vehicle and equipment finance structured for maximum tax advantage. ABN-based assessment, no complex financials needed for most equipment purchases. |
| Small businesses under $10M turnover | Full range of business loan structures. Access to the permanent $20,000 instant asset write-off and the simplified depreciation pool. Working capital for growth and cash flow. |
| New businesses | Specialist lenders who assess cash flow and assets rather than tax history. Low-doc options available from day one of trading for secured equipment loans. |
| Businesses with ATO debt | ATO interest is no longer tax deductible from 2025–26. A working capital loan to clear an ATO balance is often significantly cheaper in real terms. Worth running the numbers. |
| Employers managing payday super | Working capital facilities to smooth the transition to per-payroll superannuation obligations from 1 July 2026. |
| EV and green equipment buyers | Standard chattel mortgage or finance lease available. FBT rule changes from April 2027 affect novated leases on EVs above $75,000. Cameron explains what this means for your fleet decisions. |
THE PROCESS
Four steps, one Broker
01
Tell us what you need
Share the asset or purpose — make, model, price, or the working capital amount you need. No forms at this stage. A short conversation is all we need to get started.
02
We find the right lender
We review your profile against 40+ lenders and identify who is most likely to approve your loan on competitive terms. No application lodged at this stage — no credit impact.
03
Application and approval
One application to one well-matched lender. Equipment finance typically approves in 1–3 business days. Working capital loans can settle within 24 hours of approval.
04
Settled and done
Funds go directly to the supplier or into your account. We stay accessible for every future finance need — refinancing, upgrades, new equipment, the next vehicle.
DOCUMENTATION
What do you need to apply?
For most equipment and vehicle loans the list is short. Working capital and larger loans ask for a little more.
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A chattel mortgage — also sold as a business car loan or ABN loan — is a loan for a vehicle or asset used primarily for business. The key differences from a personal car loan are tax. You own the asset from day one, claim the GST component upfront on your next BAS, deduct the interest from your taxable income, and can access the permanent $20,000 instant asset write-off for eligible assets. A standard consumer car loan has none of these benefits. If you have an active ABN and the vehicle is genuinely for work, a chattel mortgage is almost always the better structure.
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Yes — with the right lender. Many specialist lenders assess new businesses on the nature of the business, the asset being purchased and the borrower's personal credit rather than ABN age. A secured equipment loan — where the asset itself is the collateral — is often available from day one of trading. Larger unsecured working capital loans typically need 6–12 months of trading history. Cameron knows which lenders are most accessible for newer businesses.
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Yes — provided the asset is purchased under a chattel mortgage, not a lease. Under a chattel mortgage you own the asset from day one, which is why you can claim the write-off. The lender's security interest in the asset does not affect your right to depreciate it. From 1 July 2026 this benefit is permanent for eligible businesses with turnover under $10M. There is no longer a sunset date or annual EOFY deadline to meet.
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Yes — the interest component of any loan used for a genuine business purpose is tax deductible. This applies to chattel mortgages, equipment finance and working capital loans. The exception to be aware of: ATO interest charges are no longer deductible from 2025–26, which means letting ATO debt run is now more expensive in real terms than it has been. Your accountant can confirm the deductibility position for your specific loan. Cameron can structure the finance correctly.
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For standard equipment and vehicle finance, 1–3 business days is typical and same-day is possible for straightforward applications. Working capital loans through fintech lenders can settle within 24 hours. Larger or more complex applications — above $500,000, commercial property, structured facilities — take longer, usually 7–14 business days. Cameron will give you a realistic timeline at the start, not a vague "subject to assessment."
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A formal application creates a credit enquiry, which is visible on your credit file. This is why Cameron reviews your position first and only submits to one well-matched lender. Applying to four lenders and being rejected by three is significantly more damaging to your credit profile than one well-placed application. Pre-screening your options with Cameron has no credit impact at all.
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Yes. Business loan refinancing is straightforward and common. If your current loan is more than 12–18 months old, rates may have shifted meaningfully since you took it out. If your business has grown and your credit profile has strengthened, you may now qualify for better terms. Cameron reviews your existing position, calculates whether refinancing saves money after all costs, and only recommends switching if the numbers genuinely stack up.