Frequently Asked Questions

Atlas Broker can finance a wide range of equipment, from vehicles and construction machinery to IT systems, medical gear, and hospitality fit-outs. If it’s used to run, grow, or generate income for your business, it can usually be financed, whether it’s new or used.

In simple terms: if your business needs it to operate, there’s a good chance it can be funded.

Turnaround times can be surprisingly quick. In many cases, we can have finance approved and documents issued within 24 to 48 hours, especially if the required information is ready to go.

We’ll help guide you through the process and let you know exactly what’s needed upfront. The speed often depends on:

• Whether the asset is new or used
• The complexity of the financial structure
• Whether you’re an existing client with us or a new customer of ours

Our goal is always to get you into the equipment you need with minimal delay and zero guesswork.

Not necessarily. Many of our solutions offer 100% financing, depending on your credit profile and lender requirements.

Yes, Atlas Broker absolutely helps with residential mortgages.

They offer support across the full range of home lending, including:

First home loans

• Refinancing

• Investment property loans

They work with 60+ lenders, compare options for you, and guide you from initial chat through to settlement.

They’re also particularly strong with self-employed borrowers, helping structure loans where income isn’t straightforward.

Yes, Atlas Broker definitely works with first home buyers.

They’re actually set up to guide you through the whole process—from figuring out what you can afford, to getting pre-approval, right through to settlement.

A business loan can be used for almost anything that helps your business grow, improve cash flow, or operate smoothly.

• Cash flow support (covering expenses during slower periods)

• Buying equipment or machinery

• Purchasing vehicles for business use

• Fit-outs or renovations

• Stock and inventory purchases

• Hiring staff or scaling operations

• Expansion into new locations or markets

• Refinancing existing business debt

If it helps your business run better, grow stronger, or stay stable, a business loan can usually be structured to support it.

Usually yes,  but it depends on the loan type.

For most business loans and home loans, lenders will want to see some form of financial history, such as:

• Tax returns

• Financial statements

• Bank statements

• Proof of income

However, there are low-doc or alternative documentation options available in some situations. These may require less traditional paperwork, but they often depend on factors like:

How long the business has been trading

• Credit history

• Deposit amount

• Overall loan structure

So while financial history is commonly required, there are flexible solutions available depending on your circumstances. If you are feeling unsure, let’s talk.

Yes. For asset-based lending such as equipment, vehicles, or property, lenders will generally require appropriate insurance to protect the asset, as it forms part of the loan security.

Yes. Alongside equipment finance and mortgages, we help businesses with tailored insurance options to protect assets, income, and operations. This can include cover such as business, asset, and liability-related insurance, depending on your needs.

The right cover isn’t about ticking boxes, it’s about understanding your risks and your business. We work with you to assess what really matters, compare options from multiple insurers, and make sure every policy fits your needs. You’ll walk away confident, not confused.

Approval times will depend on the type of finance you’re looking for,  whether it’s equipment finance, a personal loan, or a mortgage.

Some applications can be assessed very quickly, while others may take longer depending on the lender, documents required, and your individual situation.

The best way to get an accurate idea of timing is to email or call Atlas Broker to start the conversation. That way, the team can understand your needs and guide you on the likely timeframe and next steps.

Going to Atlas Broker is different from going directly to a bank because you get access to multiple lenders, not just one. Instead of being limited to a single bank’s products, Atlas Broker compares options across a panel of lenders to find a solution that fits your situation.

You also get personal guidance from start to finish, including help with structuring the loan, paperwork, negotiations, and ongoing support, rather than speaking to a different person each time at a bank.

In most cases, we’re paid a commission by the lender, so there’s no direct cost to you. We’ll always be transparent about any fees if they apply.