How it works
Four steps from "I need a ute" to "here are the keys." Usually done inside a day.
1
Tell us what you need
Pick your asset, enter a few details. No 40-page forms. Promise.
⏱ 5 mins2
We do the heavy lifting
We find the right solution for your needs.
⏱ 1-3 hours3
You pick the winner
We show you the options in plain English. You pick. No hard sell.
⏱ Your call4
Approved
Funds land, paperwork sorted, gear's yours. Get back to work.
⏱ Same day✦ The difference ✦
Bank finance vs. quid
Your bank
The old way
- 2-4 weeks for a decision (if you're lucky)
- Endless forms, payslips, BAS statements
- One rate, take it or leave it
- Call centre that puts you on hold for 40 mins
- "Computer says no" if you're self-employed
The Quid way
The smart way
- Approval in 4 hours, usually less
- 10 minute application, minimal docs
- 30+ lenders competing for your business
- A real broker who picks up the phone
- Built for ABN and ACN holders
What you'll need to .
→ That's it. No payslips, no 3 years of tax returns, no firstborn child.
ABN
Just needs to be active. GST registered is a bonus but not essential.
Driver's licence
Standard Aussie ID. Photo front and back, current address.
3 months bank statements
Business account. Upload or connect directly. Takes 60 seconds.
Know your asset
Rough idea of what you want. We'll help with the rest.
✦ Questions we get a lot
The fine print, explained.
Most applications get a decision within 4 hours during business hours. Simple deals with clean ABNs and clear bank statements often come back even quicker. Complex deals (older credit issues, unusual assets, big-ticket finance) can take a day or two. We'll be upfront about timing as soon as we see your details.
Yes, this is literally what we're built for. Big banks struggle with self-employed applicants because their systems want payslips and PAYG income. Our lenders understand variable income, seasonal work, and contractor cashflow. As long as your ABN's been active for 6+ months and your bank statements show you're making money, we've got options.
Depends on the marks. A paid default from 3 years ago? Probably fine. An unpaid debt or a recent bankruptcy? Harder but not impossible. We work with specialist lenders for exactly these situations. Rates will be higher than a clean file, but we'll tell you honestly what's achievable before we waste your time.
Most of our lenders allow early payout with no fees. Some charge a small break cost on fixed-rate deals. We'll flag this before you sign and help you pick a structure that suits how you actually run your business, not just the cheapest rate on day one.
Utes, vans, 4WDs, trailers, excavators, bobcats, tipper trucks, cranes, forklifts, ride-on mowers, power tools, IT equipment, fit-outs, even coffee machines. If it's an asset that earns you money, we can probably finance it. Unusual asset? Call us. We've seen weirder.