Frequently Asked Questions

Killara Finance helps Australian SMEs secure the right finance for vehicles, equipment, and machinery by comparing options from a wide range of banks and specialist lenders. We focus on delivering a tailored structure and a high-velocity approval path with significantly reduced paperwork.

You can finance cars, utes, trucks, trailers, plant and machinery, equipment, technology, fit-outs, and other income-producing business assets.

Using Killara Finance gives you access to more lenders, more flexible approval criteria, and better, tailored solutions. We do the legwork, negotiate on your behalf, and match finance to your cash flow and tax position.

We arrange chattel mortgages, hire purchase, finance leases, operating leases, novated leases (where applicable), and asset refinance: explaining the pros and cons, so you can choose with confidence.

Many asset finance applications are approved within 24–48 hours once we have the required information. Some vehicle and equipment loans can be approved the same day.

In most cases, just your ABN details, ID, and asset information. Depending on the lender, we might request company financials or recent bank statements. Low-doc options are available for eligible businesses.

Yes. Killara Finance helps startups and businesses trading for less than two years access finance through lenders who understand SME growth: often with flexible structures and realistic deposit requirements.

Absolutely. Killara Finance works with specialist lenders that consider non-standard credit and assess your full business story, not just a credit score.

In most cases, there are no upfront fees. We’re generally paid by the lender once finance is settled, and we’ll always be transparent about costs before you proceed.

That depends on the asset, your business profile, and lender criteria. We’ll assess your situation and give you a clear idea of your borrowing capacity before you commit.