Smarter lending for business and life

Check if you qualify

Get a quick quote by answering a few short questions below. We’ll review your details and get right back to you.

Trust & security

Your security and compliance are our top priorities.

Bank-grade Security

SSL encryption, encryption-at-rest (backend), and comprehensive verification controls to protect your data.

Australian Compliant

Built with NCCP and AML/CTF workflows in mind, ensuring full compliance with Australian financial regulations.

Free enquiry with no commitment. We'll only proceed if the solution suits your needs and circumstances.

No Obligation

ꪜ Enterprise-level protection

ꪜ Fully regulated & compliant

ꪜ Zero pressure approach

How it works

Step 1

Tell us what you need

Share a few basics about your situation and goals.

Step 2

We match lenders

We compare options and confirm requirements with you.

Step 3

Get funded

Move forward confidently with a clear offer and timeline.

Why choose us?

Competitive Rates

Access to multiple lenders for best pricing.

Secure & Compliant

NCCP compliant with bank-grade security.

Fast Processing

Same-day pre-approvals for simple cases.

Expert Support

Dedicated finance specialists.

Our services

Flexible lending options tailored to your business needs.

Business Finance

Quick approvals and competitive rates to help your business grow confidently.

Personal Finance

Simple, transparent personal loans designed to fit your lifestyle and goals.

Business Finance

Working Capital

Fast access to funds for day-to-day operations, inventory, and growth opportunities.

• Loans from $10K to $500K

• Same-day approval available

• No property security required

• Flexible repayment terms

Equipment Finance

Finance for vehicles, machinery, technology, and business equipment with flexible terms.

• 100% equipment financing

• Lease or hire purchase options

• Tax-effective solutions

• End-of-term flexibility

Invoice Finance

Unlock cash tied up in outstanding invoices to improve cash flow and growth.

• Up to 90% of invoice value

• Confidential or disclosed options

• No property security needed

• Fast funding within 24 hours

Commercial Property

Commercial property loans, construction finance, and development funding.

• Commercial property loans

• Construction & development

• Warehouse & office funding

• Property investment loans

Trade Finance

Import/export funding, letters of credit, and international trade solutions.

• Import/export funding

• Letters of credit

• Documentary collections

• Supply chain finance

Business Acquisition

Finance for buying existing businesses, franchises, and professional practices.

• Business purchase loans

• Franchise financing

• Professional practice loans

• Management buyouts

Personal Finance

Car Finance

Competitive car loans for new and used vehicles with flexible repayment options.

• New and used car financing

• Competitive interest rates

• Flexible terms up to 7 years

• Bad credit options available

Personal Loans

Unsecured personal loans for various purposes with competitive rates.

• Unsecured personal loans

• Wedding & event financing

• Medical & dental loans

• Education & training finance

Debt Consolidation

Combine multiple debts into one manageable loan with potentially lower interest rates.

• Consolidate multiple debts

• Potentially lower monthly payments

• Single repayment schedule

• Improve credit score over time

Home Improvement

Finance for renovations, extensions, and home improvement projects.

• Renovation loans

• Extension financing

• Kitchen & bathroom updates

• Energy efficiency improvements

Investment Property

Loans for purchasing investment properties and building your portfolio.

• Investment property loans

• Portfolio building finance

• Rental property funding

• Property investment strategies

Specialised Solutions

Tailored finance options for unique circumstances and special needs.

• Low doc & self-employed

• Bad credit finance options

• Centrelink recipient loans

• First-time borrower programs

Reviews

What our clients say about us

Atoz Lending made the loan process simple and fast. Their transparency gave me real confidence.

Mark Lee

Melbourne

The team was professional and clear every step of the way. I felt supported and informed throughout.

Lisa Ray

Sydney

★★★★★

★★★★★

Frequently asked questions

Will my credit score be impacted?

Initial enquiries don’t impact your credit score. We’ll always discuss any credit checks with you first.

How fast can I get an answer?

Simple cases can be matched the same day. Complexity, documentation, and lender assessment times vary.

Is my data secure?

Yes. We use encrypted transport, role-based access controls, and Australian-hosted infrastructure for core services.

Fees?

We'll disclose any fees upfront and seek your approval before proceeding.

What documents do I need?

Requirements vary by loan type. We'll provide a clear checklist after your initial enquiry.

Can I apply with bad credit?

Yes. We work with specialist lenders who consider applications from people with credit challenges.

Quick enquiry

Tell us a few details and we’ll reach out with tailored options.