A clear answer in minutes
No blank chat box and no long application. The guided questions collect the useful details first.
Free · about 2 minutes · instant indicative result
Check your no-financials finance options before the paperwork
Answer a few straightforward questions and our AI will compare your scenario with typical lender criteria.
No financial statements neededNo impact on your credit scoreYour answers stay private
Ready when you are
There are no trick questions and estimates are fine. You can review everything before the AI runs your assessment.
Built for busy business owners
A simpler way to check your options
For tradies, farmers, café owners and transport operators who prefer straightforward questions over an open-ended chat.
Checked by AI
Your scenario is compared with typical no-financials lender criteria to provide an indicative likelihood.
A broker can pick it up
Choose to send the completed assessment to Broadlink without repeating the whole story.
Private and no obligation
The check does not affect your credit score and submitting an enquiry is entirely optional.
How it works
Three straightforward steps
Answer the guided questions
Tell us what you are financing, the amount and a few details about your business.
Get your AI assessment
See an indicative approval likelihood, the key factors and practical next steps.
Choose what happens next
Send the pre-filled scenario to a broker, or simply keep the result for your own planning.
What an indicative pathway can look like
Every application is different. These examples show the kinds of scenarios Broadlink brokers regularly help assess.
Transport operator replacing a truck
Situation
Established operator, dealer-supplied used truck, GST registered and a clear asset purpose.
Indicative structure
Potential streamlined no-financials pathway, subject to lender policy and credit assessment.
Typical conditions (illustrative)
- Asset age and value fit the selected lender
- Business trading history can be verified
- Acceptable overall credit profile
Tradie purchasing an excavator
Situation
Two years trading, property-owning guarantor and equipment needed for secured upcoming work.
Indicative structure
Potential no-financials option with a broker checking asset, amount and program fit.
Typical conditions (illustrative)
- Suitable supplier documentation
- ABN and GST history confirmed
- Lender assessment supports the requested amount
Farmer upgrading equipment
Situation
Long-established operation seeking dealer-supplied farm equipment without preparing full financial statements first.
Indicative structure
May suit a streamlined equipment finance program depending on structure and asset.
Typical conditions (illustrative)
- Appropriate business use
- Asset acceptable to lender
- Application and supporting checks completed
Café owner adding equipment
Situation
Established venue purchasing a commercial coffee machine and kitchen equipment package.
Indicative structure
A broker may identify a low-doc or alternative business equipment pathway.
Typical conditions (illustrative)
- Equipment and supplier are acceptable
- Trading history meets policy
- Requested amount fits lender appetite
Examples are illustrative only and are not approvals, quotes or credit advice. Terms, eligibility and outcomes vary by lender and applicant.
Prefer to talk it through?
Broadlink brokers specialise in business vehicles, equipment and no-financials options.
INSTANT ASSESSMENT FAQ
No-financials finance is a streamlined business finance pathway where some lenders may assess an application without full financial statements. Eligibility depends on the asset, amount, business history, credit profile and each lender’s current policy.
No. The result is an indicative assessment based on the information you provide and typical lender criteria. A lender can only make a final decision after receiving and assessing an application.
No. Completing this assessment does not perform a credit enquiry. A broker will explain and seek your consent before any formal application or credit check.
Some financiers use real estate ownership by the business or a guarantor as an eligibility factor for streamlined programs. It does not automatically mean the property will be taken as security.
Common assets include trucks, trailers, excavators, machinery, farm equipment, utes, vans, cars and hospitality equipment. A broker can check less common assets too.
A Broadlink business finance broker will review the scenario, confirm any missing details and discuss suitable options. There is no obligation to proceed.
Broadlink Pty Ltd ABN 94 117 120 037, Australian Credit Licence 386433. Information on this page is general in nature and does not take into account your objectives, financial situation or needs. All finance is subject to application, lender criteria and approval.