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Financing Options of Sole Traders, Partnerships, Trusts and Companies

***Below you will find a comprehensive listing of where you fit in, if you have***


  • A new business
  • An established business with no financial documentation
  • You haven’t made a profit
  • You haven’t done your tax returns
  • You have a poor credit history

One Hour Approval on Rent to Buy option up to $65,000

Motor Vehicles, Utilities and Vans:

  • 20% cash or trade in deposit, No asset backing required. Must have clear credit file. Your ABN can be one day old. Up to $90,000.
  • Asset Backed Applicants (have a mortgaged or owned property with $100,000 equity +) No Deposit Finance available, must have a clear credit file. Up to $100,000.
  • Sub-Contract from an Established Company and you have a good credit history: No deposit, Maximum loan amount varies dependent on other application details.
  • Swapping from Employee to Contractor (with same company): With 2 years as employee and clear credit file, application assessed as continuous employment. No Deposit
  • A business that wants simplicity in getting the money they need organised.

If you don’t qualify here or have a poor credit history read below

Enquire Now

Trucks & Trailers:

  • An experienced truck driver. (Previous own business or employee) with a sub-contract from an established company.
  • Asset Backed Applicants: No Deposit Finance available. Less than $100,000 preferred, but any amount considered.
  • Non-Asset Backed Applicant: 10% to 20% deposit by cash or trade in. Maximum Amount on considering other application details.
  • Non Asset Backed Applicants: Other asset security. If you have an unencumbered asset (e.g. trailer, motor vehicle) it can be used in-lieu of cash deposit. Less than $100,000 preferred, but any amount considered.

All applications are subject to individual financier approval conditions and satisfactory supporting documentation being acceptable.

If you don’t qualify here or you have a poor credit history read below

Enquire Now

Equipment, Machinery & Applicants Who Don’t Qualify Above (Rent to Buy)

If you have reached this point you already know getting business finance can be extremely difficult

The Good News.

One hour approval on Equipment, Machinery, Trucks, Trailers, Motor Vehicles, Utes and Vans, up to $65,000. Goods must be for commercial use.

  • One day ABN OK
  • No Asset Backing required.
  • Defaults up to $5,000 paid or under arrangement, OK.
  • If you have bad credit above $5000 or you just haven’t paid, we will still consider your application. The primary difference being it will be 48 to 72 hours for your answer.
  • For goods over $65,000 approval time is up to 3 working days.

Who Does This Product Work Best For?

(N.B. Asset Backed means the business owners own or have mortgaged a property that can be their home or an investment property).

  • A new business that cannot get conventional finance (e.g. bank or finance company).
  • A business where it’s owners have no asset backing or a suitable deposit to convince a bank or finance company to lend them money.
  • A non-asset backed business that does not show or profit.
  • A business that wants the flexibility to decide on whether to retain the goods after 12 months.
  • A business that wants simplicity in getting the money they need organised.

Yes, I’m Interested in

Briefly How It WorksPay a rental payment weekly for the first 12 months. At the end of 12 months you will have paid off approximately 40% of the principal amount borrowed.After 12 months you get 3 options.

  • You can convert your agreement to a conventional finance agreement. (e.g. the approx. 60% you owe can be now financed with a bank or conventional finance company).
  • You can re rent the equipment, (you receive a 75% credit on what you have already paid, and can continue to rent at a lower rental amount for a period up to 3 years).
  • You can hand the goods back at no cost and walk away.

Understanding The Product

At first glance the product may appear expensive. But you need to look at the benefits and the overall cost of ownership. A mainstream lender will not lend you the money. Assuming that you want the goods long term, using the most common term of 5 years for ownership (i.e. finance paid off completely) your overall cost of ownership is less than 10% more than a conventional finance agreement. If you enter into a conventional commercial finance agreement there are exit penalty fees, Rent to Buy gives you the option to payout at any time without penalty.

Enquire Now

What Our Clients Say About Us

new business loan

I have done three machinery loans with George and his team over the last 12 months and I can’t recommend him highly enough, he knows how to put a deal together and get it over the line.

Owner of Maclaine Enterprises

About Harley Finance

Harley Finance is the amalgamation of three small Finance Broker Businesses. The Principals have 30+ years, 25+ years and 10+ years’ experience. Our Knowledge and expertise has been gathered over a long period of time. We have seen the good times and the bad. We pride ourselves as being genuine experts in our field. All our consultants are fully qualified as per A.S.I.C requirements, but more importantly genuinely want to help our clients and prospective clients get finance approvals that meet their wants and needs. As further proof of our expertise, more than 25% of the business we write, comes from other Finance Brokers who realise that our Professional Presentation’s and Knowledge and our desire to make approvals happen, is what clients are looking for. Having access to a large quantity of Financiers and a daily working relationship with many of them, we know who the best fit for your application is. If you are looking for your best chance of approval, call us today!

Harley Finance is the Trading Name of Wynevili Holdings Pty Ltd and the Gruppelaar Family Trust.
ABN No 92 116 085 938. Australian Credit Licence No. 442259. External Disputes Resolution. FOS Member No. 33053

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