ABN Holders & Tradies

Been in business 3 months or 3 years? We don't care! We find the lender that works for your situation

Been in business 3 months or 3 years?
We don't care!
We find the lender that works for your situation

Low-Doc Options

Fast Approvals

ABN Specialists

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Meet Jesse

New ABN. New Ute. One Week.

Jesse had just gone out on his own after years working PAYG as a roofer. He needed a work ute but figured no bank would touch him with only 8 months of self-employment behind him.

He was wrong.

We found him a lender comfortable with his situation, got him pre-approved within 24 hours, and he drove off in his new ute that same week.

Only 8 Months in Business

Pre-Approved in under 24 Hours

New Work Ute That Week

Meet Jesse

New ABN. New Ute. One Week.

Jesse had just gone out on his own after years working PAYG as a roofer. He needed a work ute but figured no bank would touch him with only 8 months of self-employment behind him.

He was wrong.

We found him a lender comfortable with his situation, got him pre-approved within 24 hours, and he drove off in his new ute that same week.

Only 8 Months in Business

Pre-Approved in under 24 Hours

New Work Ute That Week

Meet Sam

Found It on Facebook. Financed It in Days.

Sam spotted the perfect work van through a private seller, exactly what he needed, priced right. The problem? Most lenders won't touch private sales, and he didn't want to lose it while waiting on a bank.

We sorted the finance fast, handled the paperwork, and Sam was on the road in his new van within days.

Private Sale

First Loan

Perfect Vehicle for Work

Meet Sam

Found It on Facebook. Financed It in Days.

Sam spotted the perfect work van through a private seller, exactly what he needed, priced right. The problem? Most lenders won't touch private sales, and he didn't want to lose it while waiting on a bank.

We sorted the finance fast, handled the paperwork, and Sam was on the road in his new van within days.

Private Sale

First Loan

Perfect Vehicle for Work

Here's Why It Worked For Them
& Why It'll Work For You

Banks said no. We know who won't.

Jesse had 8 months of ABN history. Sam needed a private sale. Neither fit a bank's standard box, but we knew exactly which lenders would say yes before we even applied.

One person. One number. No runaround.

You won't get passed between departments or left chasing updates. One broker handles your deal from first call to settlement and actually picks up the phone.

Approved while you're on the tools

Most clients are sorted within 24 hours. We handle the lender and the paperwork so you don't have to take time off the job to chase your own finance.

Super Simple Process

Three Steps to Keys in Hand

1

Tell us what you need

Quick Form, Quick Call, Done

Fill out our quick form in under two minutes. What you're financing, a bit about your situation, we'll give you a buzz and take it from there. No branch visit, no paperwork upfront, do it from your phone on-site.

1

Tell us what you need

Quick Form, Quick Call, Done

Fill out our quick form in under two minutes. What you're financing, a bit about your situation, we'll give you a buzz and take it from there. No branch visit, no paperwork upfront, do it from your phone on-site.

We find the match

We do the digging while you're on site

We go through 40+ lenders, including specialists in ABN and low-doc applications, and come back to you with real options and clear repayment figures. No surprises, no fine print ambushes.

2

2

We find the match

We do the digging while you're on site

We go through 40+ lenders, including specialists in ABN and low-doc applications, and come back to you with real options and clear repayment figures. No surprises, no fine print ambushes.

3

Get the keys

Approval, Settlement, Driveaway

You say yes, we handle the rest. Lender, paperwork, back-and-forth, all on us. Most clients approved within 24 hours. You focus on the job, we'll get you the keys.

3

Get the keys

Approval, Settlement, Driveaway

You say yes, we handle the rest. Lender, paperwork, back-and-forth, all on us. Most clients approved within 24 hours. You focus on the job, we'll get you the keys.

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Frequently Asked Questions

What documents do I need to apply for equipment or asset finance?

For most ABN holders, we keep it simple. You'll typically need your ABN & valid identification documents. If you're going low-doc, that's often all we need. For larger deals or newer ABNs, we may also ask for some financial documents, but we'll tell you exactly what's needed upfront, no surprises.

How long does the approval process take?

For straightforward applications. Sole trader, established ABN, clean credit, we can often get a decision same day. Most deals are approved within 24–48 hours of receiving your documents. Got a job starting Monday? Let us know and we'll make it a priority.

Can I still get finance if I have bad credit or tax debt?

Yes, we work with a broad panel of lenders, including specialists in adverse credit and self-employed borrowers. Defaults, a prior bankruptcy, or an ATO payment plan don't automatically rule you out. We look at your full picture, not just a credit score, and we'll be upfront with you about what's achievable.

What types of finance is available for tradies and ABN holders?

We can structure finance across chattel mortgage, hire purchase, finance lease, and operating lease, depending on how you want to use the asset and your tax position. Chattel mortgage is the most common for tradies (you own the asset, claim depreciation and interest). Not sure which structure suits you? We'll walk you through the pros and cons for your situation.

Is the application process online?

Yes, you can apply, sign, and submit docs entirely from your phone. We know you're on site, not at a desk. If you'd rather just have a quick call to get the ball rolling, that works too, just let us know what you're after and we'll take it from there.

Latem Finance Pty Ltd (ACN: 683 687 772) is an Authorised Credit Representative #566104 of AFAS Group PTY LTD, Australian Credit Licence #414426. All rights reserved.