Our mission: a lighter path to funding
Finance should give businesses the freedom to grow, not the burden of stress.
Why we started Lighter Finance
Our goal is to simplify the process, help businesses make smarter choices, and create outcomes they can feel confident about. When finance works the right way, it changes everything.
We started Lighter Finance because business owners deserve a broker genuinely in their corner: one who knows what lenders want to see and how to get applications across the line. Not one chasing the highest commission.
Principles we stand by
Everything we do comes back to these three commitments. They’re the standard we hold ourselves to on every deal.
We put our clients’ needs first
Every decision starts with what’s best for you, not what earns us the highest commission.
We believe in smarter finance
We use our inside knowledge of lenders to find solutions most brokers can’t access or navigate.
We keep things as simple as possible
We explain everything clearly so you always know where you stand. No jargon, no confusion.
Meet your brokers
You’ll always deal with a real person who knows your file.
William
Director & Senior Broker
Steve
Senior Finance Broker
James
Business Finance Broker
Toby
Finance Broker
60+ lenders, one application
More lenders, more options, better finance. We work across the market to unlock options most businesses never see.
Major banks
Including the big four.
Non-bank lenders
Lenders who assess your real trading performance, not just a credit score.
Specialist finance
For newer businesses and less straightforward situations.
Equipment lenders
Asset specialists for vehicles, machinery and equipment.
Frequently asked questions
Does it cost anything to use Lighter Finance?
Nothing, ever. We’re paid a commission by the lender once your loan settles, not by you. You get our full panel and our expertise at $0 cost.
Will applying affect my credit score?
No. Your initial application is a soft enquiry only, so it won’t appear on your credit file or affect your score. We only move to a formal application once you’re happy with the options we’ve found.
How many lenders do you actually compare?
We work across a panel of 60+ lenders: major banks, non-banks and specialist financiers. One application from you gets compared across all of them, instead of you approaching lenders one at a time.
How quickly will I hear back?
Usually within a few hours, often the same business day. We know timing matters when you’re funding stock, equipment or a growth opportunity.
What if my business is newer, or my credit isn’t perfect?
That’s exactly where our panel helps most. Alongside major banks, we work with specialist and non-bank lenders who look at your business’s real trading performance, not just a credit score.
Let’s find the right finance for your business
Apply online in two minutes, or call us on 0478 022 067.