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.