Australian Finance & Loans (ACN 696 193 692) is an independent finance brokerage based at Level 4, 152 Elizabeth Street, Melbourne VIC 3000. We are not a bank, not a lender, and not affiliated with any dealership or equipment supplier. We are an authorised Credit Representative of Fintelligence (National Finance Alliance Pty Ltd) Australia's Asset Finance Aggregator of the Year for 2024 and 2025, now fully owned by ASX-listed Australian Finance Group (AFG). This means we operate within one of the most regulated, technology-enabled and lender-connected broker networks in Australia, with access to over 50 lenders through Fintelligence's Ambition Cloud platform. Our team brings over 20 years of combined experience in Australian finance across vehicle lending, commercial equipment finance, business lending, trade finance and personal credit. We have arranged finance across every major asset category from $5,000 personal loans to $3,000,000 medical imaging installations, from single car loans to 100-vehicle fleet facilities, from import finance letters of credit for manufacturing importers to invoice finance facilities for fast-growing recruitment agencies. We understand the difference between a chattel mortgage and a finance lease, between recourse and non-recourse invoice finance, between a usance LC and a sight LC and more importantly, we know which structure serves each client's situation best. We serve clients across Victoria, New South Wales, Queensland, South Australia, Western Australia, Tasmania, the Northern Territory and the ACT. The majority of our work is conducted by phone and email, most clients never need to visit our Melbourne office. If you are in regional Victoria, rural Queensland or suburban Perth, the service is identical to what a Melbourne CBD client receives.