Best Asset Finance Brokers Sydney (updated for 2026)
If you’re reading this article, you’re probably looking to finance an asset.
Which means you also need a good broker to support you.
The good news is that I’m going to give you a list of the best brokers I’ve personally come across.
Including brokers I’ve worked with, those who have won awards, and those who had a track record of submitting successful deals when I was working for a lender.
I’m also going to help you understand why you need a broker and what to look out for when choosing one.
Let’s get started!
What do Asset Finance Brokers do — and do you need one?
Let’s get this out of the way nice and early: asset finance brokers aren’t just "middlemen".
They’re often the difference between a fast approval and a frustrating rejection.
Or in some cases, years of frustrating rejection.
A good broker knows exactly which lenders to speak to, how to structure your application, and how to avoid unnecessary hits to your credit score. They can help you secure finance for pretty much anything with a serial number that you plan on using in your business.
Think cars, trucks, utes, agricultural equipment, machinery, medical equipment, earthmoving equipment, and loads more.
So here’s what an asset finance broker actually does:
- Matches you to the right lender based on your situation (ABN age, income, GST, credit history, personal circumstances, etc.)
- Prepares your application properly so you don’t miss something that triggers a decline
- Shops around without impacting your credit file, using "soft quotes" and matrix-based approvals
- Negotiates better terms thanks to their direct relationships with BDMs and credit teams
- Saves you time by doing all the lender chasing, paperwork, and follow-up
- Sometimes can help you source the asset you’re after too at a better price
You can try going directly to lenders, but unless you’ve got the time, knowledge, and confidence to navigate the corporate maze, it’s smarter to work with someone who does this every day.
Because a good broker doesn’t just get you finance.
They help you get the right finance, with the right structure, from the right lender.
Top 6 Asset Finance Brokers in Australia (2026)
1. Stacked Finance
Stacked Finance is a high-performance asset finance brokerage built for Australian businesses that want speed, clarity, and results. Founded by Luciano Viterale and Emmanuel Nassar, two University of Sydney alumni with deep roots in finance and operations, the business brings a hands-on, strategy-led approach to commercial lending.
Before launching Stacked, the team spent over a decade inside some of Australia’s most respected institutions, including the Reserve Bank of Australia, Sydney Water, Finder, Endeavour Energy, and Azora Finance. That experience provided a deep understanding of how deals get approved, how lenders think, and what business owners need to grow.
Our mission is to help Aussie businesses secure the funding they need to succeed. Everything from trucks, trailers, machinery, ag equipment, and even medical equipment. We avoid the delays, confusions, and wasted credit checks. We can also help with machine loans and working capital loans!
→ Book a meeting with Emmanuel
Strengths
- Strong focus on commercial equipment like trucks, trailers, excavators, and other machinery. You’ll also get a personalised service, fast turnaround, work directly with us and not an outsourced team, strong lender relationships, and a team experience in buying & selling businesses.
Ideal for: Businesses needing fast, tailored solutions, including low-doc or complex credit scenarios. We also work with businesses looking to rapidly expand and need the appropriate guidance.
2. Yakka Finance
Yakka Finance is a commercial equipment finance brokerage run by Scott Rumble in Sydney. Scott and his team are known for getting deals done quickly and supporting clients across a wide range of industries. Particularly in construction, earthmoving, and agriculture.
The team has built a reputation for being responsive, transparent, and having a customer-first approach. They work closely with business owners to simplify the finance process. Whether you have an urgent or complex scenario, they’ll be able to help.
Strengths
- Strong presence in trades and construction, fast turnaround, responsive service, excellent lender panel, flexible low-doc options.
Ideal for: Business owners in tradie-heavy industries needing quick access to asset finance, especially those who want hands-on support and practical finance solutions.
3. Loan Options
Loan Options, founded by Julian Fayad, is a digital-first brokerage that uses tech to match clients with suitable lenders. Also based in Sydney, they’ve built a platform that simplifies the asset finance process by using a proprietary algorithm to shortlist tailored loan options in real time.
Their unique approach is backed by a team of brokers who can assist with deal structuring, lender communication, and paperwork. The platform has gained traction with businesses that want speed and convenience without compromising on quality. Loan Options covers vehicles, machinery, business loans, and more.
Strengths
- Fast online pre-approval for less expensive equipment and straightforward deals. Can get most of the application finalised online.
Ideal for: Businesses that want to compare loan options for standard assets quickly, apply online, and get support throughout the finance journey without lengthy back-and-forth.
4. Asset Alley
Asset Alley is a boutique asset finance brokerage (run by Louie Dib) focused on helping small to medium-sized Australian businesses access equipment and vehicle finance with confidence. With a hands-on approach and a strong focus on client education, they make the finance process feel simple and straightforward, even for first-time borrowers.
Their brokers take the time to understand each business’s unique needs before recommending tailored solutions from a wide panel of lenders. Asset Alley is particularly strong in industries like civil construction, logistics, and transport.
Strengths
- Client-first service, strong focus on trucks and trailers. Helpful for first-time business borrowers.
Ideal for: Business owners who want a patient, educational approach to asset finance and value a broker who takes the time to get the details right.
5. bMoney Finance
bMoney Finance is a well-known brokerage in Sydney offering solutions across asset finance, property lending, and business loans. The business was founded by Boro Tuncoglu who has a vocal social media presence and takes a no-nonsense approach. Some clients appreciate his straight-talking service and transparency.
They work with a wide range of borrowers. Everything from first-time business owners to seasoned operators. Whether you’re financing a truck, a warehouse, or a first home the team at bMoney Finance can get it done.
Strengths
- Personalised service, strong lender network, deep experience across commercial and personal lending. Also, a solid track record with self-employed clients.
Ideal for: Businesses or individuals who want a broker to handle every aspect of their life. If you want transparency and a no-bs approach, bMoney is for you.
6. ScotPac
ScotPac is one of Australia’s leading non-bank lenders. They aren’t a pure brokerage house like the listings above, however, they are a great option if you want to go directly to the lender. With over 30 years in the game, you can trust them to help you achieve your goals and meet the needs of your scenario.
They’re well known for invoice finance, trade finance, and asset-backed lending. They help businesses unlock capital tied up in unpaid invoices or balance sheet assets quickly. While they’re not a traditional broker, many brokers refer deals to ScotPac when their clients need alternative solutions.
Strengths
- Personalised service, strong lender network, deep experience across commercial and personal lending, and a 30yr track record.
Ideal for: Business owners or individuals who want one broker to handle all their finance needs. Best suited for those who value clear advice, fast turnaround, and honest communication.
How to choose the right Asset Finance Broker
Put simply, not all brokers are equal.
Some will fight to get your deal approved quickly on the right terms.
Others will be forward-thinking and understand the implications of certain measures.
However, some will send your application to a lender and hope for the best.
So here’s what to look for when choosing an asset finance broker:
Accreditation matters: Make sure your broker is accredited with the FBAA or MFAA and either holds their own credit licence or works under a reputable licensed aggregator. This is the bare minimum. If they can’t show this, walk away. If they’re formally educated from a reputable University this is also a positive sign.
Industry expertise: A good broker understands asset finance across vehicles, machinery, trailers, and equipment. They should be able to explain the difference between a chattel mortgage and a commercial hire purchase in plain English. Ideally, they’ve worked with businesses like yours. The best brokers have great business acumen. They know the implications of the equipment you’re financing and what it can do to your tax, profit, operations, etc.
Lender relationships: Great brokers do more than submit applications. They speak directly with lender BDMs or credit teams to make the deal happen. This is often what really gets approvals over the line. Especially when the scenario is not so vanilla and the broker needs to request an "exception". Bonus points if you see or hear them call a lender on the spot.
Fee transparency: It’s important you know when and how brokers get paid. Most are paid commission by the lender, but they should still explain it clearly. If a broker avoids questions about fees, consider that a red flag.
Proven track record: Check their reviews, testimonials, and real-world examples. Have they worked with similar businesses? Can they show results? You want someone who’s done this before and knows how to get a deal through.
P.S. Have a suggestion for this list? Feel free to reach out! We’d love to hear from you.
Frequently Asked Questions
How long does asset finance approval take?
This depends on many factors. However, if everything’s in order, approval can take as little as 24 or 48 hours. Low-doc or matrix-based lenders are the fastest. More complex or full-doc deals can take up to a week, provided all documents are provided.
Can I get approved without full financials?
Yes. Most lenders offer low-doc options where you don’t need to submit things like full tax returns, bank statements, etc. A good broker will know which lenders to approach based on your situation. And whether you should or shouldn’t supply additional financial information.
Will applying through a broker affect my credit score?
Nope. If you’re applying with the right broker, your credit file won’t be touched until you’re ready to submit. Brokers use soft quotes or matrix assessments to find options without triggering credit checks. Your file is only hit once a formal application is submitted. And at this point, the broker is pretty certain you will be approved.
What documents do I need?
Again, this depends on the type of loan, structure, asset, and speed you want to run. At minimum, you’ll usually need ID, a valid ABN, and an asset quote or invoice. For full-doc deals, you may also need tax returns, bank statements, contracts proving your income generation, or BAS statements.
Do brokers charge a fee?
Yes, brokers charge a fee. They do not work for free, unfortunately. Brokers are paid a commission by the lender, not the client. But they should always explain how they get paid and be upfront if any fees apply.
Is it harder to get approved if I have bad credit?
Not necessarily. There are specialist lenders who look at recent business performance instead of just your credit score. A good broker can present your case properly and help structure the deal to improve your chances. If you do have bad credit, this is more reason to approach a broker ASAP so they can guide you in the right direction.
Can I finance second-hand equipment or private sales?
Yes. This is very common. Most lenders are fine with second-hand assets or private sellers, as long as the asset has a serial number and meets condition and age limits. However, the asset needs to have a healthy resale value (even at the end of the loan term). Your broker can confirm what’s acceptable.
Ready to finance your next asset?
Tell us what you are after and we will come back with the lenders that fit.
Luciano Viterale is a Director and the Head of Growth at Stacked Finance. He previously co-founded and sold Ticker Nerd, an investing newsletter. Before that, he worked for Rippling, Finder, and the Reserve Bank of Australia. These days, he helps Aussie business owners grow through better finance options.