Question 1

What is a commercial finance broker?

Accepted Answer

A commercial finance broker helps businesses find and arrange funding from a panel of lenders rather than a single bank. Settled With Joe represents you, the borrower, not the lender. Joseph Farhat and his team review your situation, match it to the right lender from our panel of 90+ bank and non-bank lenders, and manage the application through to settlement. For unique scenarios, we can also introduce you to private finance options.

Question 2

Can you help if my scenario does not fit standard credit policy?

Accepted Answer

Yes. Every lender has its own policy, and a scenario that sits outside one lender's criteria often sits comfortably inside another's. Our panel spans banks, non-bank lenders, and specialist funders with different credit models, including options for self-employed borrowers, ABN holders, and those with low-doc or no-doc income or past credit issues. Joseph Farhat and his team will tell you early which part of the panel your scenario belongs in.

Question 3

Do you help self-employed borrowers and small business owners?

Accepted Answer

Yes. Most of the clients we help are self-employed, ABN holders, sole traders, or small business owners. We work with lenders who assess these borrowers fairly, including low-doc and no-doc options where standard income documentation is not available.

Question 4

How fast can commercial finance be arranged?

Accepted Answer

It depends on the product. Short-term facilities such as caveat loans can settle in 24 to 72 hours, while more involved commercial loans take longer as the lender reviews the business and security. Where the matter is urgent, Joseph Farhat and his team will identify the fastest appropriate lender on the panel and manage the process to keep it moving.

Commercial Finance Broker

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