Get the gear working without tying up your cash.

No. The first look is a soft check. You could run it a hundred times and your file would not move. A formal enquiry only goes in once I have shown you options and you have picked one. That is the step people damage themselves on, applying at four places and collecting four hard hits. Matching you to the right lender first is how we avoid that.

Nothing to talk to me, nothing for the check, nothing for the review. There is no upfront fee, ever. Any fee that applies is disclosed in writing before you commit to anything. If I cannot improve on what you already have, I will tell you and leave it alone.

That is exactly when a broker earns their keep. New ABN, past defaults, irregular income, tax not lodged, or a bank that already said no. All of it is normal and none of it is automatically a no. Tell me upfront and I will match you to a lender that works with it instead of one that will decline you and cost you an enquiry.

Depends on you, the asset and the lender. Low doc with no financials up to $500K, full doc up to $5M per facility. Straightforward asset deals are often approved in 24 to 48 hours with settlement shortly after. Tell me what you are after and I will tell you what is realistic rather than what sounds good.

I look at it within 24 hours, usually the same business day. If I have enough to work with, you get real numbers. If I have a question, I call you first. Then you either book a time that suits you or I just call. You can pull up at any point, nothing is locked in by sending the form.

No, it is the smart way to do it. The soft check means comparing through me costs you nothing and leaves no mark on your file. And if what you already have is the sharpest thing on the table, I will tell you that, and you can take it with confidence.

Keep them. A second opinion costs nothing and takes a day. If your current deal is sharp I will say so and you have lost nothing. If it is not, you will know exactly what staying is costing you.

Sometimes it is the right deal, and I will tell you if it is. I wrote those deals from the other side of the desk, so watch the structure, not just the repayment. Some dealerships offer a guaranteed future value, which is effectively an ultra high balloon. Push the balloon up and the repayment drops, and a high rate can hide inside it. Talking to me does not touch your credit file. Best case I save you thousands. Worst case I walk you through their offer line by line and tell you straight whether it is a good one.

There are lenders that write day one ABNs. Expect a bigger deposit or different pricing than a 5 year old business gets, but a new ABN on its own does not rule you out. It just narrows which lender we start with.

Yes. Dealer, private seller, auction, interstate, all fine. Private sales need a couple of extra checks like an inspection and a PPSR search, and I handle those. Do not let anyone talk you out of a good machine just because it is a private sale.

Not to start. Low doc options run up to $500K without financials. If you have them, they open more doors and sharper pricing. Either way, tell me what you have and I will work with it.

No. Phone, email and e-signature. The longest part is the first information capture, usually 5 to 15 minutes. After that I handle it. Apply from the truck, the workshop or the couch.