Lighter Finance: lighter paperwork, less stress, better rates
We get to know your business, then search, compare and negotiate across 60+ lenders to find you the best finance available.
- $0 broker fees
- Same Day Offers
- 60+ lenders compared
Lighten the load
Accessing finance for your business has never been quicker, easier or cheaper. No surprises, just transparency and speed.
Fully unsecured
No assets required.
Low documentation
Easy approvals.
Quick funding
Enquire today, get funded tonight.
Multiple offers
Compare the best offers available.
Finance for every part of your business
Tell us what you need it for. We’ll find the lender that fits.
Fast unsecured business loans
Grow with funding from our full lender panel, while keeping your assets safe.
Learn more
Tailored secured loans
Larger amounts structured around your property or business assets.
Learn more
Equipment and vehicle finance
Utes, trucks, vans, machinery and tools for the work you do.
Learn more
Non business-related finance
Personal loans, including caravan loans, from the same panel of lenders.
Learn more
Finance tailored to your industry
Every industry has different cash flow, seasons and lending challenges. We match you with lenders who specialise in yours.
Hospitality
Restaurants, cafés and bars
Construction
Builders and contractors
Retail
Retail and e-commerce
Sole traders
Self-employed
Professional services
Accountants, lawyers and consultants
Plumbing
Plumbers and gas fitters
Transport
Logistics and fleet
Something else?
Most businesses fit our panel. Tell us about yours.
From application to funded in as little as one day
No endless paperwork. No branch visits. A straightforward process built for busy business owners.
Apply online
Tell us about your business and what it needs, and we’ll match you with the right lender.
Receive approval
We compare 60+ lenders and come back with your best options, in as little as 30 minutes.
Get funded same day
Accept your offer, sign the documents, and the funds land in your account within the day.
Funded
What makes us different?
A broker in your corner, not a sales pitch.
We protect your credit score
We run a single soft enquiry to explore your options, protecting your credit file while still giving you access to our full panel of 60+ lenders.
We do the legwork
We compare lenders and handle the paperwork, so you don’t spend hours on hold or filling out forms.
Smarter finance, not sales pitches
We don’t recommend what earns us the highest commission. We recommend what genuinely fits your situation and budget.
Fast, friendly and hassle-free
Most applications are turned around within the day, from first chat to final approval.
Real people, real help
You’ll always speak to a real person who knows your file. No bots, no call centres.
What our clients say
Will was excellent to deal with. The entire process couldn’t have been more simple and efficient!
Brad
Business loan, Sydney
As a returning customer, the application and approvals process was the easiest and fastest I’ve experienced.
Frank
Business loan, Sydney
William was very helpful and knowledgeable. Their process was easy and straightforward with a fast approval. Will definitely use them again and recommend.
Sharbel
Business term loan
Questions we hear every week
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.
Ready to lighten the load?
Applying takes two minutes and won’t touch your credit score. One of our brokers will be in touch within a few hours.