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Your Trusted Finance Brokers

Unlock Exceptional Offers with Us

Discover exclusive deals and personalised financial solutions with us, your dedicated partners in finance, here to ensure your financial success.




350+ 5 Star Rating

$200M+ Funded

Competitive rates, flexible terms. Drive your dream car today! Hassle-free process, personalised support.

Tailored truck finance solutions. Keep your business moving forward! Reliable, quick, customer-focused service.

Boost your business with fast, flexible funding. Exceptional support, proven success! Easy, customer-centric approach.

Invest in growth with affordable equipment finance. Quick approvals, rave reviews! Streamlined, supportive, bespoke solutions.


Enter your details for a no-obligation quote from our finance broker over the phone.

Get funded in 5 Easy Steps

Ideal for borrowers looking for flexibility without the need for collateral.

A friendly consultant will contact you to discuss your options, answer any queries, and provide an accurate quote while completing an application over the phone.

Once you’re happy with your quote, we’ll submit your application for approval to the lender and aim to get approval within 24 hours.

After approval, we’ll liaise with you and the seller to ensure a smooth settlement process.

We manage the settlement submission and inform both you and the seller once it’s finalised. The entire process typically takes 3-5 business days.

Loan Calculator

Let's Crunch the Numbers

Utilise our user-friendly loan calculator to smoothly navigate your financing choices.
Ready to Take the Next Step? Chat with a Broker Today and Bring Your Plans to Life!

Access to 40+ Lenders

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The Pure Capital Difference

Personalised Solutions
We understand that your financial goals are unique. Our experts take the time to tailor solutions that fit your specific needs, ensuring you achieve your dreams.

Transparent and Honest Advice
We believe in straightforward communication. You can trust us to provide honest, clear advice, so you can make well-informed financial decisions.

Prompt and Attentive Support
Our responsive customer support team is here for you. Whenever you have questions or need assistance, count on us to be there with prompt and attentive service.

Cutting-Edge Technology
Our commitment to innovation means you'll enjoy access to the latest financial tools and technology, making managing your finances easier and more efficient.


350+ Reasons to Choose Pure Capital

Experience the Pure Capital Difference with Unmatched Service Quality.

Our financial experts are ready to guide you toward your next venture!

Discover exclusive deals and personalized financial solutions with us, your dedicated partners in finance, here to ensure your financial success.

  • What types of loans are available, and how do they differ?
    Loans come in various forms, including personal loans, home loans, car loans, and business loans. Each type serves different purposes and has unique features. Personal loans are typically unsecured and used for various personal expenses, while home loans are secured against property for purchasing or refinancing a home. Car loans are tailored for purchasing vehicles, while business loans cater to the financial needs of businesses. Understanding these differences helps borrowers choose the right loan for their needs.
  • How is my loan eligibility determined?
    Loan eligibility depends on various factors, including income, credit history, employment status, existing debts, and financial obligations. Lenders assess these factors to determine the borrower's ability to repay the loan. Meeting eligibility criteria increases the likelihood of loan approval and may also impact the loan amount and interest rate offered.
  • What documents do I need to apply for a loan?
    The required documentation varies depending on the type of loan and the lender's requirements. Common documents include proof of identity (such as a driver's license or passport), proof of income (such as payslips or tax returns), bank statements, proof of address, and details of existing debts or financial commitments. Providing accurate and complete documentation helps streamline the loan application process.
  • How long does it take to get approved for a loan?
    The time taken for loan approval varies depending on factors such as the lender's processes, the complexity of the application, and the type of loan. Some lenders offer fast approval processes, with decisions made within hours or days, especially for personal loans or smaller amounts. However, for larger loans or complex applications, approval may take longer, ranging from a few days to several weeks. Applicants can expedite the process by ensuring all required documents are provided promptly and meeting eligibility criteria.
  • My financials aren’t up to date, can I still get a loan?
    Business loans are usually assessed by looking at your last 12 months of bank statements, and determining your turnover and borrowing capacity from there. These bank statements are supplied through our unique portal, and can be assessed in just 2 minutes, meaning money in your pocket faster.
  • Can I use my invoices as collateral for a loan?
    Yes! Through our invoice finance products, you can slash the waiting time and access up to 80% of the invoice amount within 24 hours of issuing the invoice, with the further 20% (minus fees and charges) paid once your client pays the invoice in full. Our lender technology can sync with your accounting software for almost instant ongoing invoice funding once you have been approved by the financier. Even if your credit history isn’t the best, we still have invoice finance options available to you!
  • Can I set up an ongoing facility to only use when I need it?
    Yes! Our line of credit products can sit dormant until you need to use them. You will only pay a small account keeping fee to keep the facility open, but you will only pay interest for the period you have used the funds until you repay them in full. After you make the payment, the facility will still be open for you to use if and when you need it. Just think of it like a big credit card.
  • How long does the whole process take?
    We have funded business loans from initial phone call to settlement in just over 4 hours. If your loan is urgent we will inform our lenders and they will priorities getting you funded. In most normal cases though the funding process will take between 24-48 hours from start to finish depending on what size of business loan you are applying for, and what documents are required. Once settled, the funds will become available to you overnight to be used. Because the loans are assessed almost instantly on the bank statements provided, and all contracts are done electronically, funding your business loan is traditionally much faster than car or equipment loans.
  • Should I buy a new or used car?
    Buying new is more expensive, while buying used is typically cheaper. However, the decision isn't always straightforward. Purchasing a new car often results in significant and immediate depreciation. On the other hand, buying used may save you money initially, but you might face higher maintenance costs down the road. The right decision depends on your individual circumstances. For instance, if you're planning for a family, investing in a larger new vehicle might be a wise choice for its longevity, lasting you five to ten years. Conversely, a comparable used car may have a shorter lifespan.
  • Are you aware of the hidden costs associated with "zero percent" loans?
    You've likely seen car dealerships advertise "zero percent" loans on TV or radio. While they may sound appealing, they often come with hidden fees and penalties. Dealers offering these loans may require you to purchase older models at retail price, potentially costing you more in the long run. Opting for a retail car loan from a reputable broker or lender while negotiating a better price is a smarter financial move that can save you money over time.
  • Do you have the complete overview of car loan repayments and their impact on my budget?
    Financing a car purchase means committing to monthly repayments. While it's important to budget for these payments to avoid financial strain, it's also essential to consider additional expenses. Beyond repayments, factor in costs such as insurance, fuel, servicing, and incidental expenses like cleaning. This comprehensive approach ensures you have a clear understanding of your total expenses and can budget effectively.
  • Buying Private vs. Dealer Purchase – What's Best?
    The debate between buying privately and purchasing from a dealer continues in the car finance world. The best option depends on your priorities. Buying privately can save you money, but it comes with potential drawbacks like travel inconvenience, unreliable sellers, and the need for thorough document and vehicle identification verification. Dealer purchases generally involve higher costs but offer warranties, consumer law protection, and after-sales support. Consider what matters most to you: price, convenience, or added safety and support.
  • I've just started my business and need a truck, can I get a loan?
    Certainly! If you've recently launched your business, there's likely a solid reason behind your decision. We can utilize any prior experience you have, coupled with any work contracts you've secured, to demonstrate to lenders that you're a promising borrower. Our aim is to collaborate with you and your accountant to structure the loan in a manner that maximizes benefits for your future endeavors, enabling you to efficiently manage cash flow and expand your new venture.
  • Do I have to purchase a brand new truck?
    Nope! Our array of lenders caters to all preferences, regardless of the truck's age or size. You know your business requirements best, and we're here to accommodate them. Whether you opt for brand new, used, dealer, or private purchase, we have tailored solutions for every scenario! You can even procure the truck from one supplier, the body from another, and consolidate it all into a single contract, leading to simplified monthly repayments and significantly reduced fees. Our lenders are flexible to ensure you receive the optimal product tailored to your specific needs.
  • What if my financials aren't up to date?
    We understand that amidst your busy schedule, updating financial records may have taken a backseat. That's why we offer no/low-doc truck finance, taking into consideration your overall profile and character rather than just numbers on paper. Various options are available, with the most common being if you possess a 2-year GST registered ABN and a mortgage, we can secure up to $500k with minimal financial paperwork—simple as that! If unsure about your eligibility for a no/low-doc loan, feel free to reach out for a comprehensive discussion on your available alternatives.
  • My bank declined, does that mean I can't obtain a loan?
    Absolutely not! While major banks play a pivotal role, their stringent loan criteria may not accommodate everyone. Recognizing this, we collaborate with over 30 approved and reputable lenders, each with unique lending policies and an "approve first" mindset. Unlike major banks, these lenders assess each deal based on its merits rather than employing a rigid tick-box approach. Moreover, some of our lenders offer more competitive rates than major banks.
  • I have just started my business and need some equipment, can I get a loan?
    Short answer, yes! If you have just started your business, chances are there is a reason you have made this move. We can leverage any past experience you have, along with any work contracts you may have received, to show lenders that you are a great potential borrower. We will work alongside you and your accountant to make sure we structure the loan in a way that is most beneficial for you going forward, so that you can effectively manage your cash flow and grow your new business.
  • What if my financials aren't up to date?
    We understand that sometimes you have been so busy on the road that you haven’t had time to get the books up to date. That is why we have access to no/low-doc loans which will take into account your overall profile and character to make a decision rather than just numbers on a page. There are various different options but the most common is if you have a 2-year GST registered ABN and a mortgage, we can get you up to $500k with no financial paperwork – how easy is that! If you aren't sure that you qualify for a no/low-doc loan, give us a call to discuss, and we can run you through all of your available options. *Pending full loan criteria is met. To approved applicants only.
  • My bank said no, does that mean I can’t get a loan?
    Absolutely not! While the big banks play a vital role in our, and your, life – more often than not they have very rigid loan criteria which they often won’t budge on. We understand that not everyone can fit into the mould of what the banks want, which is why we have access to over 30 approved and reputable lenders who each have a different lending policy/criteria, and who have an approve first mindset. They will work with us to assess every deal on its merits, rather than just a tick box approach employed by some of the major banks. Some of our lenders are even cheaper than the big banks anyway!
  • Do I have to buy brand new equipment?
    Nope! We have lenders that will cater to all ages and all different shapes and sizes. You know best what your business needs and we will make that work for you. You can buy brand new, used, dealer, or private – we have options for everything! You can even purchase the equipment from one supplier, and any attachments from another, and have all it set up on the same contract leading to one easy monthly repayment and significantly reduced fees. Our lenders are flexible to make sure you get the right product for your individual situation and needs.
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