Melbourne · Australia-wide

Asset finance,
sorted fast.

Vehicles, trucks, machinery, medical gear and working capital. All sourced from a panel of 55+ lenders, with one broker who actually picks up the phone.

No credit score impact to enquireNo obligationSame-day response, Mon–Fri
Get pre-qualified → What we finance
0Typical turnaround
0Lenders on panel
0Finance from
ZeroCredit file impact

What we finance

If it moves your business, we can finance it.

Two minutes

Start your finance journey here.

Four quick questions. No paperwork, no credit enquiry, and you will hear back within business hours.

Question 1 of 4

What are you looking to finance?

Question 2 of 4

Roughly how much?

Question 3 of 4

How long have you had your ABN?

Last one

Where do we call you?

No credit enquiry is lodged at this stage. Add your email and we'll send you a confirmation straight away.

That's in.

Bradley will call you today on the number you've given. If you'd rather not wait, call 0461 541 612.

See what you'll need to get started →

Bradley Mangan, owner and founder of Novum Finance

Your broker

Getting a machine funded shouldn't take three weeks and eleven emails.

I'm Bradley Mangan, owner and founder of Novum Finance. I built it around a single idea: you deal with me from the first call to settlement. No call centre, no handing your file to a junior, no chasing an update that never comes.

Most of my clients are tradies, transport operators, farmers and practice owners who need the asset working this month, not next quarter. So I answer the phone, I tell you straight whether a deal will fly, and if it won't I tell you that too.

FBAA member Melbourne based Credit Representative 570476 55+ lender panel

Recently settled

Deals we have got across the line.

A sample of what has gone through recently. Details are kept general. Your deal stays your business.

2026 Land Rover Defender
Vehicles $150,000 2026 Land Rover Defender

Plenty of business owners assume a prestige car will not fly under the business. It will. Director’s vehicle, funded brand new, for getting to and from client meetings.

Funded under the business
2025 Mercedes-Benz GLB
Trusts $70,000 2025 Mercedes-Benz GLB

An upgrade for the owner, and the car he fronts up to client meetings in. Funded through the trust that holds the business, where a certified copy of the deed is the one extra piece of paperwork.

Funded through a trust
Cashflow $75,000
ATO debt paid out

The client had the cash to clear the bill outright, but would rather keep it in the business as a safety net. So the debt went onto an 18 month business loan and the money stayed where it was useful. Not a distress deal, just a decision about where the cash is better off sitting. Plenty of business owners do not realise this is even an option, because there is no asset to point at.

18 month term, cash kept in reserve
2021 Toyota Vellfire hybrid
Transport $50,000 2021 Toyota Vellfire hybrid

Melbourne Airport to the snowfields through the winter, winery tours and charter work through the summer. A Japanese import, which narrows the lender list fast. But with a full panel to work through, it landed at a sharper rate than the dealership could put up.

Import placed, dealer rate beaten

How it works

Three steps, no runaround.

01

Tell us what you need

Two minutes, no paperwork. Asset, rough amount, and how long you have held your ABN. Nothing touches your credit file at this stage.

02

We shop the panel

Your file goes across 55+ lenders. We compare rate, term, balloon and fees, then bring you the two or three that genuinely fit.

03

Approved and settled

Pick your option, we handle the lender, the dealer and the paperwork. Most clients are pre-qualified same day.

Wondering what paperwork is involved? See what you'll need →

Questions

The things everyone asks.

What actually is asset finance?

A loan secured against the thing you are buying, such as a ute, an excavator or a dental chair. Because the asset itself is the security, rates are usually sharper than an unsecured business loan and the term is matched to the life of the equipment.

Will enquiring hurt my credit score?

No. We assess your options without lodging a credit enquiry. A formal application only goes in once you have seen the numbers and told us to proceed.

How quickly can I be approved?

Most clients get pre-qualified the same day. Straightforward deals with an established ABN often settle within 24 to 48 hours.

I am self-employed. Is that a problem?

It is most of what we do. There are low-doc and no-financials options for ABN holders, and lenders on our panel who will look at ABNs as young as six months.

What if I have been knocked back before?

Worth a conversation. A decline usually means the deal went to the wrong lender, not that the deal is dead. With 55+ lenders there is usually another way through.

Referral partners

Do your clients buy vehicles, trucks or equipment?

Are you an accountant, car yard, machinery dealer or business advisor? If the people you deal with need gear funded, there's probably a referral arrangement here worth having. You keep the relationship. I handle the finance.

Partner with Novum →
Who it suits
  • Accountants & bookkeepers
  • Car yards & dealerships
  • Equipment & machinery dealers
  • Business advisors
  • Financial planners

Ready when you are.

Same-day response weekdays, no credit impact, no obligation. Worst case you find out what you can borrow.

Get pre-qualified →
Call Bradley Get pre-qualified