ZS
Zach Salmi FINANCE
0409 208 618 Get a quote
Business and commercial finance

Get the gear that grows the business.

Trucks, machinery, fleet and fit-outs. I compare lenders, structure the loan to suit your cash flow and do the chasing, whether you've been trading ten years or ten weeks.

Get a quote Call Zach · 0409 208 618
Business owner in hi-vis standing in front of three white trucks at her depot

Business loans I arrange

Loans from $20k. New and established ABNs.

Commercial vehicle finance

Cars, utes and vans used mainly for the business. New, used, dealer or private sale.

Good for: sole traders, companies, trusts

Truck and trailer finance

Light rigid trucks through to prime movers, plus tippers, flat tops and trailers.

Good for: transport, earthmoving, delivery

Equipment and machinery

Excavators, forklifts, tractors, generators and yellow goods.

Good for: construction, farming, manufacturing

Chattel mortgage

You own the asset from day one and the loan is secured against it. Your accountant will tell you how it suits your tax position.

Good for: GST registered businesses

Finance lease and hire purchase

Alternative structures where the lender owns the asset during the term.

Good for: businesses managing cash flow

Low doc business loans

For self-employed borrowers whose tax returns aren't up to date. Lenders use other proof of income.

Good for: new or busy business owners

Fleet finance

Adding several vehicles at once, set up so the next one is easier.

Good for: growing teams

Fit-out and hospitality equipment

Coffee machines, kitchens, shop fit-outs and point of sale.

Good for: cafes, retail, salons
Cafe owner pulling a shot on a new espresso machine

Why business owners call me

  • 1I talk business, not jargonYou tell me what you need and how the business runs. I work out the right loan structure.
  • 2New ABNs welcomePlenty of brokers want two years of trading. I work with lenders who consider newer ABNs, especially if you've got industry experience.
  • 3Quotes in hoursOnce I've got your documents, I'll usually have options back the same day.

Business finance questions

Do I need two years of trading?

Not always. Some lenders will look at newer ABNs, especially if you've worked in the same industry before. Call me and I'll tell you where you stand.

Chattel mortgage or lease, which is better?

It depends on how you want to own the asset and your tax position. I'll lay out the options and you should run them past your accountant.

Can I finance a used truck or private sale?

Usually, yes. Lenders have rules on the age and type of asset, so tell me what you're looking at early.

Got a quote from the dealer?

Send it through. I'll see if I can beat the finance side of it.

Get a quote 0409 208 618