Sydney finance broker for self-employed Australians and ABN holders
Specialist access to ABN finance, asset finance, home loans, commercial property, SMSF, construction & private lending. 40+ banks and non-bank lenders. Same-day quotes. Zero impact on your credit file.
No cost. No obligation. No impact on your credit file.
Partnered with 40+ Trusted Aussie Lenders
What We Finance
Thrift Capital is a specialist finance broker arranging funding for self-employed Australians, sole traders, ABN holders, and SME directors across eight finance verticals. We compare 40+ banks and non-bank lenders to match your scenario, no matter how complex.
Vehicle & Equipment Finance
Trucks, utes, vans, work vehicles, machinery, forklifts, yellow goods, and tools. Asset finance for tradies, transport operators, and SMEs from $10k upwards. Low doc and full doc options. Truck finance Sydney to outback machinery, we cover it.
Business Loans & Cashflow
Self-employed business loans, working capital, invoice finance, debtor finance, and ATO debt restructuring. Fast unsecured options or secured facilities. Funding from $10k for ABN holders trading 3+ months.
Self-Employed Home Loans
Low doc home loans for self-employed Australians, sole traders, and company directors. Perfect for borrowers without two years of tax returns. Specialist non-bank lender access. Refinance, purchase, or first home.
Commercial Property Loans
Commercial finance broker for warehouses, retail, office, and industrial property. Owner-occupied or investment. Up to 80% LVR with the right lender match. Self-employed accepted.
SMSF Loans
Self-managed super fund property loans for residential and commercial purchases. Limited recourse borrowing arrangements (LRBA) structured correctly with specialist SMSF lenders. From $10k.
Construction & Development Finance
Construction finance and development funding for owner-builders, small developers, and commercial construction. Progressive drawdown, GST, and feasibility-based assessments. 24+ months trading typically required.
Private Lending
Bridging finance, short-term funding, and urgent settlements when banks won't move fast enough. Private lender network for property-backed scenarios. Same-day approvals possible from $10k.
Refinance & Debt Consolidation
Refinance existing business loans, asset finance, or home loans to sharper rates. Consolidate multiple debts (cards, ATO debt, equipment loans) into a single repayment. Free rate reviews for self-employed borrowers from $10k.
A specialist finance broker, not a generalist
Most finance brokers do a bit of everything for everyone. We focus exclusively on self-employed Australians, ABN holders, and SME directors. That means deeper lender knowledge, sharper structuring, and faster approvals when banks say no.
40+ specialist non-bank lenders
Access to lender policies the major banks won't touch. New ABNs, low doc, complex income, ATO debt, and credit-impaired scenarios all welcome.
Decade of industry expertise
Over ten years working with self-employed Australians. We've seen most scenarios and know which lender will fund yours.
Same-day quotes, fast approvals
Asset finance approved in as little as the same day. The typical turnaround is around 48 hours for straightforward applications. Home loans and commercial property typically 1-3 weeks.
Sydney-based, Australia-wide service
Headquartered in Sydney, with clients funded across NSW, QLD, VIC, WA, and beyond. End-to-end support no matter where you operate.
No upfront fees, no credit impact
Our quote and pre-qualification process never touches your credit file. We only run formal credit checks once you've chosen to proceed with a specific lender.
Plain English, no surprises
Upfront costs, transparent commissions, and clear lender comparisons. We'll explain why a lender works for you, not just push the highest commission product.
How It Works
Five steps from enquiry to settlement. Most clients are funded within 48 hours.
Share your details
Complete our quick enquiry form. 8 questions, no document upload required to start.
Quick expert chat
10-minute call to understand your scenario, finance type, asset, and timeline. We'll outline lender options and indicative pricing.
We find your best suitable option
We compare 40+ bank and non-bank lenders against your scenario and present the strongest options structured around your goals, cashflow, and timeline. Always your choice which lender to proceed with.
Approve & sign online
Documents prepared, signed digitally, lodged the same day. We coordinate with the lender right through to settlement.
Get funded
Asset finance settled in 24 hours possible. Home loans and commercial property typically 1-3 weeks. Funded, sorted, on the road.
Frequently Asked Questions
What types of finance does Thrift Capital arrange?
We arrange seven categories of finance: vehicle and equipment (asset finance), business loans and cashflow, self-employed home loans, commercial property loans, SMSF loans, construction and development finance, and private lending. All for self-employed Australians, ABN holders, and SME directors.
Do I need to be in business for a minimum time to qualify?
It depends on the finance type. Asset finance can be approved with brand-new ABNs (less than 3 months) when work is lined up via signed contracts or evidenced industry experience. Business loans typically require 3+ months trading. Home loans, commercial property, SMSF, and development finance generally require 12-24 months trading history.
How fast can I get approved?
Asset finance approvals can come through same-day to 48 hours for straightforward applications. Business loans typically 2-7 days. Home loans, commercial property, and SMSF loans take 1-3 weeks. Construction and development finance can take longer depending on lender feasibility assessments.
What does it cost to use a finance broker?
Our brokerage service is free to clients for most finance types. Lenders pay us a commission on settled loans, which we disclose upfront before you proceed. There are no upfront fees and no obligation to proceed at any stage.
Will applying affect my credit score?
No. Our quote and pre-qualification process never touches your credit file. We only run formal credit checks once you've chosen to lodge a formal application with a specific lender. Many of our clients shop multiple options before deciding.
What areas of Australia do you service?
We are a Sydney-based finance broker with clients funded Australia-wide. We regularly arrange finance across New South Wales, Queensland, Victoria, Western Australia, and beyond. The entire process can be completed digitally with no in-person meetings required.
Do you only work with self-employed clients?
Yes. We specialise exclusively in self-employed Australians, sole traders, ABN holders, and SME company directors. This focus means deeper lender knowledge for non-bank policies, low doc options, and complex income scenarios that traditional brokers struggle with.
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Sydney-based.
Australia-wide service.
Headquartered in Sydney with clients funded across every state and territory. From self-employed home loans in Parramatta to truck finance in Brisbane and excavator loans in Perth, we arrange specialist lender solutions wherever you operate.