Australian-owned. Fast, compliant lending support.
A ATOZ Lending

Smarter lending for business and life

Compare options from leading lenders and get matched to the right product. Fast pre-qualifications. No obligation.

No impact on your credit score to inquire.

Quick enquiry

Tell us a few details and we’ll reach out with tailored options.

Trust & Security

Your security and compliance are our top priorities

Bank-grade Security

SSL encryption, encryption-at-rest (backend), and comprehensive verification controls to protect your data.

Enterprise-level protection

Australian Compliant

Built with NCCP and AML/CTF workflows in mind, ensuring full compliance with Australian financial regulations.

Fully regulated & compliant

No Obligation

Free enquiry with no commitment. We'll only proceed if the solution suits your needs and circumstances.

Zero pressure approach

How it works

Step 1

Tell us what you need

Share a few basics about your situation and goals.

Step 2

We match lenders

We compare options and confirm requirements with you.

Step 3

Get funded

Move forward confidently with a clear offer and timeline.

Why Choose ATOZ Lending?

Fast Processing

Same-day pre-approvals for simple cases

Competitive Rates

Access to multiple lenders for best pricing

Secure & Compliant

NCCP compliant with bank-grade security

Expert Support

Dedicated finance specialists

Products

Business Finance

Working Capital

Fast access to funds for day-to-day operations, inventory, and growth opportunities.

  • • Loans from $10K to $500K
  • • Same-day approval available
  • • No property security required
  • • Flexible repayment terms

Equipment Finance

Finance for vehicles, machinery, technology, and business equipment with flexible terms.

  • • 100% equipment financing
  • • Lease or hire purchase options
  • • Tax-effective solutions
  • • End-of-term flexibility

Invoice Finance

Unlock cash tied up in outstanding invoices to improve cash flow and growth.

  • • Up to 90% of invoice value
  • • Confidential or disclosed options
  • • No property security needed
  • • Fast funding within 24 hours

Commercial Property

Commercial property loans, construction finance, and development funding.

  • • Commercial property loans
  • • Construction & development
  • • Warehouse & office funding
  • • Property investment loans

Trade Finance

Import/export funding, letters of credit, and international trade solutions.

  • • Import/export funding
  • • Letters of credit
  • • Documentary collections
  • • Supply chain finance

Business Acquisition

Finance for buying existing businesses, franchises, and professional practices.

  • • Business purchase loans
  • • Franchise financing
  • • Professional practice loans
  • • Management buyouts

Personal Finance

Car Finance

Competitive car loans for new and used vehicles with flexible repayment options.

  • • New and used car financing
  • • Competitive interest rates
  • • Flexible terms up to 7 years
  • • Bad credit options available

Personal Loans

Unsecured personal loans for various purposes with competitive rates.

  • • Unsecured personal loans
  • • Wedding & event financing
  • • Medical & dental loans
  • • Education & training finance

Debt Consolidation

Combine multiple debts into one manageable loan with potentially lower interest rates.

  • • Consolidate multiple debts
  • • Potentially lower monthly payments
  • • Single repayment schedule
  • • Improve credit score over time

Home Improvement

Finance for renovations, extensions, and home improvement projects.

  • • Renovation loans
  • • Extension financing
  • • Kitchen & bathroom updates
  • • Energy efficiency improvements

Investment Property

Loans for purchasing investment properties and building your portfolio.

  • • Investment property loans
  • • Portfolio building finance
  • • Rental property funding
  • • Property investment strategies

Specialised Solutions

Tailored finance options for unique circumstances and special needs.

  • • Low doc & self-employed
  • • Bad credit finance options
  • • Centrelink recipient loans
  • • First-time borrower programs

Frequently asked questions

Will my credit score be impacted?

Initial enquiries don’t impact your credit score. We’ll always discuss any credit checks with you first.

How fast can I get an answer?

Simple cases can be matched the same day. Complexity, documentation, and lender assessment times vary.

Is my data secure?

Yes. We use encrypted transport, role-based access controls, and Australian-hosted infrastructure for core services.

Fees?

We'll disclose any fees upfront and seek your approval before proceeding.

What documents do I need?

Requirements vary by loan type. We'll provide a clear checklist after your initial enquiry.

Can I apply with bad credit?

Yes, we work with specialist lenders who consider applications from people with credit challenges.

Ready to compare your options?

Start your enquiry now. It takes 2–3 minutes.

Start application