Who is Eugene and how can he help with my finance needs?

Eugene brings 16+ years of experience in lending and finance, helping businesses and individuals secure the right funding to grow. With a background leading high-performing dealership finance teams across Australia, he specialises in commercial asset finance, equipment funding, and tailored business lending solutions. Known for clear, practical advice and strong deal structuring, Eugene focuses on outcomes that align with your goals, not just lender criteria.

Why use lendr360 instead of going directly to a bank?  

When you approach a bank directly, they can only offer their own products — even if another lender may offer a better solution.

At lendr360, we compare options from:

• Major Australian lenders
• Mid-tier lenders
• Non-bank lenders
• Private unders

As licensed finance brokers, we are required to act in your best interests, which means our focus is finding the most suitable solution for your circumstances — not pushing a single lender’s product.

I don’t meet standard bank criteria. Can you still help?

Yes.

Many clients don’t fit into a “perfect box.” That’s where we add value.

At lendr360, we structure applications strategically and work with lenders who understand real-world business scenarios — including:

• Irregular income
• Seasonal businesses
• Credit challenges
• Complex company structures

We look for solutions, not excuses.

What is a non-bank lender?

A non-bank lender provides loans but does not operate as a traditional deposit-taking bank.

In Australia, most non-bank lenders:

• Hold an Australian Credit Licence
• Are regulated by Australian Securities and Investments Commission
• Offer flexible lending policies

They are often more adaptable than major banks and can approve applications that banks may decline.

Can lendr360 help new businesses (less than 12 months old)?

Absolutely.

We regularly assist:

• Start-ups
• Newly established ABNs
• Businesses under 12 months trading

New businesses often require tailored finance structures, and we work with lenders that specialise in early-stage funding.

What types of business loans do you arrange?

We offer a broad range of business finance solutions, including:

• Equipment & machinery finance
• Truck and vehicle finance
• Secured and unsecured business loans
• Working capital loans
• Invoice finance
• Business overdrafts
• Cash-out against owned assets

We customise funding solutions based on your business goals and cash flow requirements.

Can you arrange a business overdraft?

Yes.

A business overdraft provides a flexible line of credit to manage:

• Short-term cash flow gaps
• Unexpected expenses
• Seasonal fluctuations

We assess your financial position and recommend suitable overdraft facilities from appropriate lenders.

How quickly can a business loan be approved?

Timeframes vary depending on the lender and complexity of the application.

For urgent matters, some business loans can be settled within 24 hours of submission — provided all required documents are available.

Our team works proactively to minimise delays.

What fees apply to personal loans?

Fees depend on the lender and loan type. Common charges may include:

• Establishment fees
• Ongoing service fees
• Early repayment or exit fees

At lendr360, we compare the full cost of each loan — not just the interest rate — so you understand the total repayment picture before proceeding.

How fast can I receive a personal loan?

Approval speed depends on:

• The lender
• The amount borrowed
• Your credit profile
• Document availability

Many personal loans can be funded within 24 hours after approval, and in some cases even faster.

How do I apply for a personal loan?

To apply with lendr360, you generally must:

• Be 18 years or older
• Have a stable source of income
• Be an Australian resident, citizen, or hold an eligible visa
• Have an Australian mobile number

Our application process is simple, digital, and takes only minutes to complete.

Should I compare different personal loans?

Yes — and we do that for you.

There are many lenders in Australia, including traditional banks and emerging fintech lenders. Each has different criteria and pricing.

We simplify the process by comparing suitable lenders and presenting clear options.

How much can I borrow with a personal loan?

Borrowing capacity depends on:

• Your income
• Existing liabilities
• Credit history
• The lender’s policy

Many lenders offer up to $80,000 per borrower, and some may offer higher limits for strong applications.

We assess your profile and guide you toward appropriate borrowing levels.

What interest rate will I receive?

Interest rates vary depending on:

• Secured vs unsecured loan
• Loan amount
• Credit profile
• Loan term

Our goal is to secure a competitive rate aligned with your financial position and long-term plans.

Can I have more than one personal loan?

Technically yes, but lenders assess total debt exposure carefully.

In many cases, debt consolidation may be a smarter strategy — combining multiple loans into one manageable repayment.

We can help you assess what makes financial sense.

What can I use a personal loan for?

Personal loans are commonly used for:

• Home renovations
• Medical expenses
• Travel
• Debt consolidation
• Furniture and appliances
• Education costs

Once approved, funds can generally be used for most legitimate personal purposes.

How is lendr360 different from dealership finance?

Many dealerships offer one or two finance products.

lendr360 provides access to 60+ lending options, including:

• Major banks
• Specialist asset lenders
• Private funders

This broader access increases your chances of finding a competitive and suitable solution.

Do you only finance dealership purchases?

No.

We assist with:

• Private sales
• Auction purchases
• Older assets
• Machinery and trucks
• Working capital
• Cash-out against owned assets

There is also no strict minimum loan amount.

Why work with lendr360?

• We work for you — not the lenders
• We specialise in machinery and truck finance
• Our team has over 16 years of combined lending experience
• We understand Australian businesses

We aim to build long-term relationships and support your growth — not just complete a single transaction.

Do I need to pay a deposit?

Deposit requirements depend on:

• Your financial position
• The asset type
• Documentation available
• Lender policy

In many cases, we can reduce or eliminate deposits by structuring the application correctly and approaching the right lenders.

Should I get pre-approval?

Yes — pre-approval gives you clarity.

It confirms:

• How much you can borrow
• The likely repayment amount
• The timeframe available

This puts you in a stronger negotiating position when purchasing machinery, vehicles, or other assets.

How long does it take to settle a loan?

Every application is different.

Typical timeframes:

• Vehicle and asset finance: often a few days to 1 week
• Business loans: from 24 hours to a week
• Personal loans: from 24 to 48 hours

Timing depends on documentation, lender requirements, and complexity.

Still have questions?

Contact lendr360 today for a confidential discussion about your business or personal finance needs.

We’re here to simplify finance, secure competitive solutions, and support your growth — every step of the way.