# Obtain Finance Obtain Finance is an Australian finance brokerage based in Sydney, NSW, serving clients Australia-wide. We work across three areas: asset and equipment finance for businesses, commercial property finance, and niche or non-standard home lending. We provide credit assistance only and do not provide legal, tax, investment, financial planning or property advice. Broker: Michael Short, Credit Representative 468493 of Australian Credit Licence 389328. ## Who we help - Business owners and ABN holders financing vehicles, machinery, plant and equipment — including used assets and private-sale purchases - Self-employed borrowers, sole traders and contractors whose income does not present neatly on a standard payslip - Company directors and borrowers paid via trust distributions or company structures - Borrowers whose tax returns are not current, who need low doc or alt doc verification - Borrowers with ATO debt or an ATO payment plan - Borrowers who have been declined, conditionally approved, or stalled at another lender - Commercial property purchasers, investors and refinancers, including SMSF trustees - PAYG buyers, refinancers and property investors with standard scenarios ## Asset and equipment finance - [Equipment Finance](https://obtainfinance.com.au/equipment-finance/): Finance for construction and earthmoving plant, manufacturing machinery, medical and dental equipment, agricultural equipment, hospitality and kitchen fit-out, and IT or office equipment. Covers chattel mortgage and lease structures, balloon and residual options, used assets, private sales, and low-doc assessment for established businesses. - [Business Car Loans and Vehicle Finance](https://obtainfinance.com.au/business-car-loans/): Utes, vans, cars, trucks and trailers for business use, structured as a chattel mortgage or lease. Dealer or private sale. Options for newer ABNs. - [Equipment Finance Repayment Estimator](https://obtainfinance.com.au/equipment-finance/repayment-estimator/): Indicative repayment estimates by asset value, term and balloon. - [Equipment Finance Readiness Check](https://obtainfinance.com.au/equipment-finance/readiness-check/): Checks ABN age, deposit position, asset type and other factors that determine lender appetite. - [Equipment Finance Dealer Partners](https://obtainfinance.com.au/equipment-finance/dealer-partners/): For dealers and vendors referring finance on equipment sales. ## Niche and non-standard home loans - [Self-Employed Home Loans](https://obtainfinance.com.au/self-employed-home-loans/): How sole traders, contractors, company directors and business owners are assessed, and which lender policies suit which income structures. - [Low Doc and Alt Doc Home Loans](https://obtainfinance.com.au/low-doc-alt-doc-loans/): Income verification using BAS, business bank statements, accountant declarations or director declarations instead of full tax returns. Covers acceptable documents, LVR limits and trade-offs. - [Home Loans for Company Directors](https://obtainfinance.com.au/home-loans-company-directors/): Assessment of director salary, retained profits and add-backs. - [Trust and Company Income Home Loans](https://obtainfinance.com.au/trust-company-income-home-loans/): How lenders treat trust distributions and company-held income. - [Loans With ATO Debt or Payment Plans](https://obtainfinance.com.au/ato-debt-payment-plan-loans/): Which lenders consider applicants with outstanding ATO debt or an active payment arrangement. - [Bank Declined Your Home Loan?](https://obtainfinance.com.au/bank-declined-home-loan/): Second-opinion review of a decline, what likely caused it, and alternative pathways. - [Refinance for Self-Employed Borrowers](https://obtainfinance.com.au/refinance-self-employed/): Refinancing where income documentation or structure has changed. - [Refinance with Tight Borrowing Capacity](https://obtainfinance.com.au/refinance-borrowing-capacity-tight/): What is realistic when borrowing capacity has fallen. - [Complex Lending Broker Sydney](https://obtainfinance.com.au/complex-lending-broker-sydney/): Overview of what makes a scenario complex and how it is approached. ## Commercial and business finance - [Commercial Loans](https://obtainfinance.com.au/commercial-loans/): Hub for commercial and business lending. - [Commercial Property Loans](https://obtainfinance.com.au/commercial-property-loans/): Commercial, industrial, mixed-use and business premises finance. - [Low Doc Commercial Loans](https://obtainfinance.com.au/low-doc-commercial-loans/): Reduced-documentation commercial lending. - [Commercial Refinance](https://obtainfinance.com.au/commercial-property-refinance/): Refinancing existing commercial facilities. - [Business Premises Loans](https://obtainfinance.com.au/business-premises-loans/): Buying premises to trade from, including via SMSF. - [Business Purchase Finance](https://obtainfinance.com.au/business-purchase-finance/): Funding a business acquisition. - [Private Commercial Lenders](https://obtainfinance.com.au/private-commercial-lenders/): Where private lending applies, and its higher costs and different risks. ## Standard home lending - [Home Loans and Refinancing](https://obtainfinance.com.au/home-loans): Purchase, refinance and investment lending for PAYG borrowers. - [First Home Buyer Property Finance](https://obtainfinance.com.au/first-home-buyer-property-finance/): Grants, concessions and loan structure for first purchases. - [First Home Buyer Benefit Check (NSW)](https://obtainfinance.com.au/first-home-buyer-benefit-check-nsw/): NSW grants and stamp duty concessions worth checking before making offers. ## Contact - [Contact Obtain Finance](https://obtainfinance.com.au/contact): Enquiries by phone or email. - [Legal, disclaimers and privacy](https://obtainfinance.com.au/legal) ## Note All content on this site is general information only and does not constitute financial, credit, legal, tax or investment advice. Figures and examples are indicative, not quotes or offers. Lending is subject to lender criteria, approval and eligibility requirements. Tax treatment of asset finance varies and should be confirmed with a qualified accountant or tax adviser. Obtain Finance provides credit assistance only. Michael Short is a Credit Representative (468493) of Australian Credit Licence 389328.