Banks are authorised deposit-taking institutions regulated by APRA. Non-bank lenders are funded through other mechanisms such as wholesale markets or securitisation. They often run different credit policies, can move faster, and may accept scenarios that banks decline, including self-employed borrowers, non-standard income, and complex structures. As an independent broker, Vanta Capital accesses both bank and non-bank lenders to find the right fit for each client.

A broad range of assets can be financed, including heavy machinery, construction equipment, mining equipment, agricultural equipment, commercial vehicles, trucks and trailers, medical equipment, manufacturing plant, technology and IT infrastructure, aviation assets, and marine vessels. Both new and used assets can typically be financed, and in some cases imported or specialised equipment is also eligible. We work with lenders who understand specific asset classes and can structure finance that accounts for asset lifecycle, depreciation, and resale value.

Approval timeframes vary depending on the loan type and complexity. Simple personal and vehicle loans can often be approved same-day or within 24 hours. Standard residential mortgages typically take 3 to 7 business days for formal approval. Commercial and business loans can range from same-day funding through to a few weeks, depending on the structure, security, and information provided. Complex facilities may take longer depending on the lender, due diligence requirements, and documentation readiness. We always target the fastest possible outcome without sacrificing deal quality.

Most lenders require a minimum deposit of 5–10% of the purchase price for standard residential mortgages. A 20% deposit avoids Lenders Mortgage Insurance (LMI), which can add thousands to your loan. First home buyers may be eligible for government guarantee schemes that allow purchases with as little as 5% deposit without paying LMI. The right deposit depends on your situation, the property type, and which lenders you're eligible to apply with. We'll advise you on the best approach for your circumstances.

A low-documentation (low-doc) loan is designed for borrowers who cannot provide standard income verification, typically self-employed individuals, contractors, or business owners whose income is difficult to verify through payslips or tax returns. Instead of full financials, lenders may accept a combination of BAS statements, accountant declarations, or bank statements. Low-doc loans generally carry slightly higher rates to reflect the additional risk, but they provide a vital pathway to finance for borrowers who would otherwise be excluded from mainstream products.

Requirements vary by lender and loan type, but typically include: 2 years of business financial statements (profit & loss, balance sheet), 2 years of personal tax returns for directors or guarantors, recent business bank statements (typically 6 months), details of any existing debt facilities, information about the purpose of the finance, and an overview of the business and its operations. For more complex facilities, additional information such as management accounts, cash flow forecasts, or industry-specific data may be required. We guide clients through exactly what's needed for their specific scenario.

Equipment finance allows businesses or individuals to acquire equipment, vehicles, or other physical assets without paying the full purchase price upfront. Common structures include chattel mortgage (you own the asset from day one, with the lender holding security), finance lease (the lender owns the asset and you lease it), and operating lease or rent-to-own (useful for assets that depreciate quickly or where flexibility is needed). The right structure depends on your tax position, whether you want to own the asset at the end, and how the repayments need to align with your cash flow.

Absolutely. Self-employed borrowers are a core part of our client base. While the documentation requirements differ from PAYG employees, a strong self-employed application is very achievable. Lenders typically want to see two years of tax returns and financial statements, though low-doc options exist where income verification is more challenging. We understand how lenders assess self-employed income, including add-backs, trust distributions, and business profitability, and structure applications accordingly to maximise approval outcomes.

We arrange funding across a broad range of commercial property types, including retail, office, industrial and warehousing, medical and healthcare premises, childcare centres, hospitality and accommodation, and mixed-use developments. Funding structures include purchase, refinancing, construction, and development finance. The appropriate lender and structure depends on the property type, tenancy profile, location, LVR, and the borrower's overall position. Some specialist or higher-risk property types may require a non-bank or private credit approach.

In most cases, no. For the majority of loan types, including residential mortgages, investment loans, vehicle finance, equipment finance, and standard business lending, our service is at no direct cost to you. We receive a commission from the lender when your loan settles. For complex or structured transactions, a fee-for-service arrangement may apply. We'll always be transparent about how we're compensated before you proceed.