FOR SOLE TRADERS AND ABN HOLDERS

Be your own boss.
Not your own bank.

Car and equipment finance for the self-employed

Low Doc options. No tax returns or financials.

“Best broker I’ve ever met, sorted the entire process out and pulled off the impossible. Couldn’t recommend more highly and will always use his services wherever possible. 1000/10”

Kevin Fernandopulle

Google Reviews 5.0 Rating

Apply in about 5 minutes

SELF-EMPLOYED?

Sound familiar?

Tax returns

“The bank wants 2 years of tax returns.”

Young business owner opening the roller door of his new workshop

New ABN

“Just started my business. The bank says wait 2 years.”

Tradie on a building site checking his phone beside his ute

Paperwork behind

“The accountant’s not done. The job starts Monday.”

Self-employed man in his car thinking about his next step

Declined elsewhere

“Knocked back. Where to next?”

That’s our everyday.

We know the lenders who back the self-employed, and only apply where you fit.

Buying new? We can source it at fleet prices through our dealer network.

Check my options →

Self-employed? No doc car loans · ABN car loans · Sole trader car loans · Tradie ute finance · Equipment finance

What are you after?

Dark grey dual-cab ute with a canopy

Cars, utes and vans

New · Used · Work vehicles

Fleet prices on new cars

Yellow mini excavator on an earthmoving site

Equipment and machinery

Earthmoving · Business equipment

White prime mover with a flatbed trailer

Trucks and trailers

Owner-operators and fleets

Caravan and four-wheel drive at a coastal campsite

Boats, caravans and motorhomes

Boats · Caravans · Motorhomes

Small business owner in her workshop

Business loans and overdrafts

Working capital and lines of credit

See all vehicle finance →

5.0

on Google · 127 reviews

49+

lenders on our panel

Since 2007

arranging asset finance

1,500+

clients helped

1. Tell us what you need

2. We shortlist lenders that fit

3. You pick

4. We handle the paperwork to settlement

Pleased car owner receiving car finance in Sydney from Financfy

“Mina is an amazing broker. I was originally declined by Toyota’s financing and Mina had the loan approved within a few hours. I couldn’t recommend him more.”

Emma Campbell

49+

Lending Partners

100%

Online Application

Mina was incredibly helpful with getting me approved for my car loan, Communication was always there and was super quick to get everything ready from when i bought the car right through to me picking it up. Couldn’t recommend him enough!

Rodrigo Enriquez

Thank you Financy! Your prompt, reliable and efficient service was above and beyond. You made the whole experience so easy from application to approval. Highly recommended!

Rafik Elmasri

Thank you for all your help and perseverance along with the personal touch you have brought to the process. Your professionalism, patience, efficiency, friendliness and fast, regular communication are all very much appreciated.
I know we are not your only customers but you have made us feel that we are and that is a rare thing to find.

Milad Ibrahim

Mina helped me with my first car purchase and got a better price than what I shopped for. He was able to get me the best finance package that suited my requirements. Process was smooth, quick, and easy. Approval was obtained in a timely manner.

Sara Kolta

Best broker I’ve ever met, sorted the entire process out and pulled off the impossible. Couldn’t recommend more highly and will always use his services wherever possible. 1000/10

Kevin Fernandopulle

Mina was Amazing.. he helped us buy our family car at a really good rate.. highly recommended.

Manuel Abdo

“I had an exceptional experience working with my broker for my car loan. They went above and beyond to ensure that I not only got a great loan deal but also understood the entire process. Their professionalism, knowledge, and attention to detail were truly impressive. Thanks to their expertise, I was able to secure the financing I needed with ease. I highly recommend Mina to anyone in need of financial assistance or guidance. They are a true expert in their field and made the entire process a breeze. Thank you!”

George Michail

Best service ever, thank you so much Mina for your professional service and support. You make everything so easy and achievable. Best outcome with very efficient time. Thanks again and keep up the good work!

Philip Sheanoda

Excellent service and great experience

Ehab Ibrahim

I’m so happy He’s very honest and hes very professional

Ahmad Soboh

Great service that delivers desired outcomes in the most efficient and professional manner.
Thank you so much for your service!

Mina Girgis

Highly recommended! Professional service and excellent communication. Perfect outcome for us

Rimon Ayoub

Very helpful, and totally understand the fine details to achieve my target financial goals

Mag Mostafa

Mina is an amazing broker. I was originally declined by Toyota’s financing and Mina had the loan approved within a few hours. I couldn’t recommend him more.

Emma Campbell

Google Reviews 5.0 Rating

Apply in about 5 minutes

Can I get finance if I'm self-employed without tax returns?

Often, yes. With a low doc loan you don’t need to provide tax returns or financials. Lenders still check your ABN, ID and credit history, and some may ask for a deposit. We’ll tell you which lenders fit your situation before anything is submitted.

Will talking to you affect my credit score?

No. We start with a soft check of your credit file, which doesn’t affect your credit score. Your file is only affected when an application goes to a lender. We never send applications out blindly. We work through your situation with you first, then apply to the lender whose criteria best match it, so you’re not collecting enquiries from lenders who were never a fit.

How new can my ABN be?

ABN from 3 months with some lenders, depending on your circumstances. Let’s have a chat: call us on 1300 785 514 to discuss your options.

Do I need a deposit?

It depends on the lender, the asset and your ABN history. Call us and we’ll tell you what applies to you.

Is Financfy a lender?

No. Financfy is a broker. Asset Finance 4 U Pty Ltd (ABN 75 670 156 411) trading as Financfy is an authorised credit representative (ACR # 551446) of Fintelligence Pty Ltd (Australian Credit Licence #511803).

Not seeing your question here?

Second Hand Car Loans

Low Doc Car Loans

Pre Approval Car Loans

Got an ABN and a plan? Let’s talk.

Google Reviews 5.0 Rating (127 Reviews)

How much would you like to borrow?

Smiling man looking for a good boat loan

We make your car finance simply easy.

Asset Finance 4 U Pty Ltd (ABN 75 670 156 411) trading as Financfy is an authorised credit representative (ACR # 551446) of Fintelligence Pty Ltd (Australian Credit Licence #511803). We service all of Australia and NSW, including Parramatta, Sydney, Central Coast, Newcastle, and Wollongong.

Car and equipment finance for the self-employed

Kevin Fernandopulle

Sound familiar?

What are you after?

4 steps. No runaround.

1. Tell us what you need

2. We shortlist lenders that fit

3. You pick

4. We handle the paperwork to settlement

Emma Campbell

You’ll need less than you think

49+

100%

Some of the 49+ lenders on our panel

1,500+ Happy Clients and counting

Rodrigo Enriquez

Rafik Elmasri

Milad Ibrahim

Sara Kolta

Kevin Fernandopulle

Manuel Abdo

George Michail

Philip Sheanoda

Ehab Ibrahim

Ahmad Soboh

Mina Girgis

Rimon Ayoub

Mag Mostafa

Emma Campbell

Frequently asked questions

Can I get finance if I'm self-employed without tax returns?

Will talking to you affect my credit score?

How new can my ABN be?

Do I need a deposit?

Is Financfy a lender?

Not seeing your question here?

Got an ABN and a plan? Let’s talk.

How much would you like to borrow?

We make your car finance simply easy.

Commercial Loans

Vehicle Loans

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