What Finance Brokers Do
A finance broker sources and structures non-residential lending solutions across a range of asset classes and business needs:
How a Finance Broker Can Help
Engaging a finance broker may provide several advantages:
Regulatory Framework
Finance brokers providing credit assistance for consumer-regulated credit must hold an Australian Credit Licence (ACL) or be authorised under an existing licensee. They must comply with the National Consumer Credit Protection Act 2009, maintain adequate financial resources, implement compliance frameworks, and hold AFCA membership. Note that purely commercial lending (business-purpose credit above certain thresholds) may fall outside the consumer credit regime, though many finance brokers voluntarily comply with these standards across all their activities.
Key Regulatory & Oversight Bodies
Australian Securities and Investments Commission
ASIC regulates finance brokers providing credit assistance under the National Consumer Credit Protection Act 2009. Brokers must hold an Australian Credit Licence (ACL) or operate as a credit representative.
Australian Financial Complaints Authority
AFCA provides free external dispute resolution for complaints about finance brokers and credit providers.
Key Qualifications & Requirements
Why You May Need to Consider a Finance Broker
There are a number of life events and circumstances where engaging a finance broker may be worth considering. The following are common scenarios — this is not an exhaustive list and is provided for general information only.
Purchasing business equipment
Equipment finance can be structured in several ways (lease, chattel mortgage, hire purchase) each with different ownership, tax, and cash flow implications.
Fleet or vehicle acquisition
Fleet financing involves volume discounts, FBT considerations, and balloon payment structuring that benefits from specialist advice.
Commercial property acquisition
Commercial lending criteria differ significantly from residential — LVR limits, lease assignment requirements, and industry exposure limits vary by lender.
Business expansion or working capital
Securing appropriate funding for growth requires understanding the range of products available beyond traditional bank overdrafts.
Start-up or early-stage funding
New businesses face unique challenges in securing finance. A broker can identify lenders with appetite for emerging businesses.
Where to Find a Finance Broker
Locate a licensed finance broker through these channels:
Related Verticals
Financial and professional services are interconnected. Depending on the situation, it may be worth exploring these related service areas:
Important Notice & Disclaimer
The information above is general in nature and does not take into account individual business objectives, financial situations, or needs. It is not a recommendation of any particular finance product or lender. Before making commercial finance decisions, consider whether the information is appropriate for the circumstances and consider obtaining advice from a licensed finance broker.
The final decision about engaging any professional service provider rests with you. MyMoney® Marketplace facilitates connections between consumers and verified service providers — it does not provide personal advice or endorse any individual provider.
General advice only — does not take into account your personal objectives, financial situation or needs. Consider whether the information is appropriate before acting on it.
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