Straight-Up Business Finance.
Get approved for your next Car, Truck, Equipment, or Business Loan in under 24 Hours
*No Cost, No obligation & No Impact on your credit file
Backed By Australia’s Top 40 Lenders
Why Choose Thrift Capital?
At Thrift Capital, we help self-employed Australians and ABN holders secure the right asset finance, from truck finance and equipment loans to business vehicle finance and cash flow loans, quickly, transparently, and stress free.
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Expert Brokers Who Put You First
We work for you, not the lenders, to match you with competitive options you actually qualify for, backed by clear, practical guidance.
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Fast Approvals and Flexible Options
Streamlined processes and lender relationships mean approvals can be as fast as 24 to 48 hours, subject to lender assessment and your documents.
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Tailored Finance for Every Business
Tradies, transport, construction, hospitality, and e-commerce. Whatever you do, we tailor the loan structure to your cash flow and goals.
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Transparent Fees with Zero Guesswork
Upfront, plain English costs with no hidden surprises at settlement.
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Australia Wide, End to End Support
From application to settlement, we handle the legwork and keep you updated, no matter where you are in Australia.
Thrift Capital provides asset finance, equipment finance, truck loans, business vehicle finance, and cash flow loans across Australia for self-employed clients and ABN holders.
What We Finance
Loans for self employed and ABN holders across Australia including truck finance, car loans, excavator and digger loans, ABN business loans, office fit out finance, private lending, commercial property, and debt consolidation & refinance.
Car Loans
Flexible car loans for self employed and ABN holders. We compare lenders to secure competitive rates and terms that fit your cashflow and goals.
Recreational Assets
Boats, jet skis, caravans and more. We arrange ABN recreational asset finance with repayments structured around your lifestyle and income cycles.
Unsecured Personal Loans
Fast, flexible funding for home renovations, medical expenses or big life events with no asset security required.
Debt Consolidation & Refinance
Roll multiple debts into one simple repayment or refinance to a sharper rate. We compare lenders to help reduce interest, simplify cashflow and get you back in control faster.
Business Vehicles (Utes & Vans)
Low doc and full doc ABN vehicle finance for trades and small business. Get a work ready ute or delivery van with structured repayments that suit your business.
Truck & Trailer Finance
Prime movers, tilt trays, tippers and refrigerated trailers. We arrange truck finance for ABN holders and companies, matched to transport friendly lenders.
Excavator & Digger Loans
New or used yellow goods including excavators, diggers and skid steers. We tailor excavator loans and digger loans to seasonal cashflow so your equipment pays for itself on site.
Machinery & Equipment Finance
Forklifts, CNC machines, printers and more. We secure equipment loans for ABN businesses so you can scale without draining working capital.
Commercial Fit Out Finance
Partitions, furniture, IT and signage. Finance your workspace upfront and spread costs over time. We arrange office fit out loans for ABN holders and companies with options that match your cashflow.
Business Loans & Cashflow Finance
Working capital, invoice finance and debtor finance to smooth cashflow and fund growth for ABN entities and companies.
Business Debt Consolidation & Refinance
Combine multiple business loans, cards or ATO payment plans into one facility, or refinance to reduce repayments and improve cashflow. Options for ABN holders and companies, with structures tailored to seasonal revenue.
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Want to know how much your next vehicle or asset purchase will cost?
Plug in the numbers in our calculator to see a rough guide on monthly repayments.
Repayment Estimator
WHAT CLIENTS SAY ABOUT US ★★★★★
Here’s how Thrift Capital has helped business owners get the right finance — fast.