Partner of Choice in Business and Finance

We provide tailored financing solutions to help your business grow.

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Explore Our Range of Services

  • Vehicle Finance

    Need a new car, ute, or van for your business?
    We make it easy, as running a business is hard enough! At Finstead Capital, we tailor vehicle finance solutions to suit your cash flow, business structure, and growth plans — so you can get on the road without delays.

    Find Out More

  • Business Loans

    Lack of capital is one of the biggest hurdles for Australian businesses. At Finstead Capital, we offer unsecured business loans for any purpose.
    With a wide range of options available, our experts make the process simple and match you with the right loan to support your growth.

    Find Out More

  • Trade and Debtor Finance

    Struggling with supplier costs or delayed payments? Our Trade and Debtor Finance solutions give you the flexibility to pay for materials and freight upfront, and access funds tied up in unpaid invoices—improving your cash flow without straining working capital.

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  • Equipment Finance

    Having the right assets is key to performance and growth. At Finstead Capital, we offer tailored equipment finance solutions for plant, machinery, vehicles, and more—so you can preserve cash flow while securing the tools your business needs.

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  • Commercial Property

    Looking to buy, refinance, or access equity in commercial property? At Finstead Capital, we offer tailored finance solutions with access to one of Australia’s largest lender panels. We match you with the right loan based on your goals, cash flow, and business structure.

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What Our Clients Say

Frequently Asked Questions

  • We arrange a wide range of business finance solutions including vehicle and equipment finance, business loans, working capital, asset refinancing, and commercial property finance.

    Our services

    • Vehicle and equipment finance:
      Flexible terms to acquire or refinance commercial vehicles and industry-specific machinery.

    • Business loans:
      Tailored loan products for expansion, acquisition, or day-to-day operations.

    • Working capital:
      Short and medium-term options to smooth cash flow and manage seasonal demands.

    • Asset refinancing:
      Unlock capital tied up in existing assets to reinvest in growth or reduce costs.

    • Commercial property finance:
      Loans for purchasing, refinancing, or developing commercial real estate.

  • Any Australian business owner, sole trader, partnership, company, or trust can apply. Start-ups and established businesses are both welcome.

    We can even assist with personal loans for vehicles, holidays, medical procedures or your wedding!

  • Absolutely not!

    Completing this form is an enquiry only. We’ll assess your options first and only proceed with credit checks once you approve a formal application.

  • Approval times vary by finance type — from same day to a few business days. More complex arrangements can take longer, but we’ll keep you informed at every step so you always know where your application stands.

  • Getting the right finance starts with the right paperwork — and at Finstead Capital we make that simple.

    What you’ll typically need

    • Proof of identity: driver’s licence and medicare cards

    • Business details: ABN/ACN

    • Asset information: quotes, photos, VIN or serial numbers for vehicles and equipment.

    • Financials (when required): recent tax returns, profit & loss, or BAS.

    • Bank statements

    Why this matters?

    Providing these documents upfront speeds approval, reduces surprises and helps us find the most competitive terms for your situation. Different loan types (business loans, vehicle finance, equipment funding) require different items — we’ll tell you exactly what applies to your case.

  • Yes. We work with over 100 lenders, allowing us to compare options and structure finance that best suits your business — not just one bank’s criteria.

    By accessing multiple lenders, we find competitive rates, flexible terms and tailored repayment structures that match your cash flow and growth plans. Whether you’re financing equipment, vehicles or working capital, our independent approach increases your chances of approval and secures solutions aligned with your objectives, not a single institution’s lending policy.

  • In most cases, our service is paid by the lender. If any fees apply, they will be clearly disclosed upfront before you proceed.

    We work to keep the process transparent and straightforward: you’ll be informed of any costs in plain language before you make a decision, so there are no surprises. If you have questions about fees or want further clarification at any stage, our team is here to help.

  • One of our finance specialists will review your enquiry and contact you to discuss your requirements, available options, and recommended next steps—usually within one business day. We’ll assess your needs, explain suitable loan, vehicle or equipment finance solutions, and outline the application process so you can make an informed decision. If additional information is needed, we’ll let you know what’s required and help you prepare your documentation. Expect clear, practical guidance tailored to your business goals.

    One of our finance specialists will review your enquiry and contact you to discuss your requirements, available options, and recommended next steps—usually within one business day. We’ll assess your needs, explain suitable loan, vehicle or equipment finance solutions, and outline the application process so you can make an informed decision. If additional information is needed, we’ll let you know what’s required and help you prepare your documentation. Expect clear, practical guidance tailored to your business goals.