Is I Want Finance the Right Equipment Finance Broker for Your Trade Business?
If you're a tradie looking to finance a ute, a trailer, an excavator, a truck, or any other piece of commercial gear, I Want Finance is one of the few Australian brokerages built almost entirely around your category. Here's what they actually do, who they're best for, where the trade-offs are, and how to book a call directly with their team.
⚠️ General information only. This page provides factual information about a finance brokerage. It does not constitute personal credit advice. Always confirm the right finance structure with your accountant before signing. Full disclaimer.
The 30-Second Take
What it is: Australian commercial asset finance brokerage specialising in trucks, machinery, vehicles and trade equipment for ABN holders.
Best for: Tradies funding a piece of commercial gear who want one phone call with a specialist instead of filling in five online application forms.
Standout angle: They actually take day-old-ABN applications. Most lenders won't.
Turnaround: 2–48 hours from application to approval, per their own published figures.
Catch: They're a broker, not a lender. The actual finance and rate comes from their lender panel — and rates for low-doc / new-ABN deals are typically higher than full-doc bank lending. That's the price of access.
What I Want Finance Actually Funds
IWF specialise in commercial asset finance — physical equipment that earns money for a business. Here's the full coverage:
Where I Want Finance Stands Out
1. They actually work with day-old ABNs
This is the biggest single thing. The major banks want 2+ years of trading history before they'll touch a commercial asset loan. Most online lenders want at least 6–12 months. IWF explicitly serve "day-old ABNs to well-established companies Australia-wide" — and they have lender relationships that price for that risk band. If you've just registered an ABN and need a ute to start work, they're one of a small handful of options.
2. Low-doc product range — no financials needed
Their published low-doc requirements are: active ABN, clear credit history, and up to 20% deposit. No tax returns, no BAS, no profit and loss statements. For tradies who run cash-heavy businesses, are between accountants, or just hate paperwork, this is a huge unlock. The trade-off is rate — low-doc deals price higher than full-doc deals because the lender takes more risk.
3. Speed — 2 to 48 hours, not 2 weeks
Their published turnaround is 2–48 hours, depending on the lender and product. They claim "premium brokerage" status which gives them priority queue access at most lenders on their panel. The big-bank equivalent for the same loan can take 5–10 business days. If you've got a job lined up and need the gear yesterday, that gap matters.
4. They protect your credit score
This is something most tradies don't know to ask about: every formal credit application that gets declined leaves a mark on your credit file. Apply to four lenders directly, get knocked back by three, and you've just damaged your file even though you ended up funded. IWF pre-qualify applications carefully before submission and only submit to lenders likely to approve — protecting your file. Their own published success rate is 98% on submitted applications.
5. 7 days a week, 8am–9pm
Tradies don't work bankers' hours. IWF's stated availability is 7 days, 8am to 9pm — meaning you can actually get hold of someone after you knock off, on a Saturday morning, or on a Sunday when you're planning the week ahead. That's a real practical advantage when you're trying to settle a deal and the dealer is also closing the gate at 5.
6. Trade-aware conversation
Their published customer testimonials cluster around the same words: "plain English", "no back-and-forth", "explained everything clearly", "set up to suit cashflow". The team — Ryan, Tim, Jessy — have spent years on tradie deals specifically. You're not explaining what a service body is or why a tipper is different from a box truck. They get it.
Where the Trade-offs Are
No broker is perfect for everyone. Here's where IWF probably isn't the best fit:
⚖️ You're a 5+ year established business with clean financials
If you've got 3+ years of clean returns and you're chasing the absolute sharpest rate on the market, going direct to a major bank's commercial equipment desk (Macquarie, BOQ, NAB) will typically beat broker-channel pricing. Brokers add value when access or speed matters more than 0.5% on the rate.
💸 You want unsecured working capital, not asset finance
IWF specialise in asset-secured finance — there has to be a thing being financed. If you need unsecured working capital for materials, wages or a tax bill, you want a different category of lender entirely (Prospa, Moula, Lumi). See our best business loans for tradies guide for that category.
🏠 You want a home loan
Home loans for self-employed tradies are a different licensing category (consumer credit, not commercial). IWF don't do residential mortgages. See our self-employed tradie home loan guide instead.
🔍 You want to compare 80+ lenders yourself online
If you'd rather skip the human conversation entirely and run an automated comparison across the entire market, a marketplace like Valiant Finance is built for that. IWF is a relationship-led brokerage — you get a person, not a quote engine.
What Happens When You Book a Call
- You fill in the pre-qual form below — what you're funding, rough amount, time in business, urgency. Takes 60 seconds. No credit check.
- You pick a time on Ryan's calendar that suits you. 7 days a week.
- You have a 20-minute call with the team. They'll ask about the asset, your business, and your cashflow. They'll tell you which lenders on their panel are likely to approve and at what rough rate band.
- If you want to proceed, they request the documents needed (varies by lender — most low-doc deals just need ID, ABN and bank statements). They handle the lender submission.
- Approval comes back in 2–48 hours. You sign, the lender pays the supplier, you collect the gear.
Book a Free Call With the I Want Finance Team
20 minutes. No credit check. No spam. One conversation with a specialist who only does tradie asset finance.
Book a Call →We pass your details directly to the IWF team. We may receive a referral fee. We don't provide credit advice on this page.
Frequently Asked Questions
What does I Want Finance do?
I Want Finance (IWF) is an Australian commercial asset finance brokerage. They arrange equipment finance, chattel mortgages, low-doc loans, rent-to-own arrangements and sale-and-leaseback for tradies and small businesses. They specialise in trucks, trailers, vans, utes, excavators, earthmoving plant, agricultural machinery and cranes. They are not a direct lender — they operate as a referral service that places applications across a panel of commercial credit providers.
Can I get equipment finance with a brand new ABN?
Yes — IWF explicitly works with day-old ABNs and start-up businesses, which is uncommon for traditional lenders. Their low-doc product line typically requires an active ABN, clean credit history, and a deposit of up to 20%. Full financials are not required for low-doc applications. Rates and terms are typically less competitive for newer businesses, but the trade-off is access to finance you wouldn't otherwise get from a bank.
How fast can I Want Finance get an equipment loan approved?
IWF state turnaround times of 2 to 48 hours depending on the lender and product. Pre-qualification is available with no impact on your credit score. Full approval and settlement timing depends on the lender, the asset, and the documentation provided. Their support hours are 7 days a week, 8am–9pm, which is unusually broad for the industry.
Will enquiring with I Want Finance hit my credit score?
No. IWF offer a soft pre-qualification check with no impact on your credit score. They pre-vet applications carefully before submission to a lender, which is how they protect borrowers from unnecessary credit enquiries (each declined formal application leaves a mark on your credit file). Their published success rate on submitted applications is 98%.
What types of equipment can I finance through IWF?
Commercial assets including: utes and work vehicles, vans (medium duty), trailers (all types), prime movers and box trucks, tow trucks, water trucks, tipper trucks, earthmoving and construction equipment (excavators, skid steers, mini-excavators), cranes, agricultural and farming equipment (tractors, harvesters, irrigation systems), and other commercial machinery that holds value as security.
Is I Want Finance licensed?
I Want Finance operates as a referral service for credit contracts, sharing information with credit providers per their privacy policy. The actual credit contracts are issued by licensed lenders on their panel. Commercial equipment finance for business purposes is generally outside the National Consumer Credit Protection Act, which has different licensing rules to consumer credit. Always confirm any finance structure with your accountant before signing.
How does Tradie Scaler get paid for this?
If you book a call with IWF via our site and they end up funding your deal, IWF pays Tradie Scaler a referral fee. This is a standard industry arrangement and doesn't change your rate or the terms of your loan. We chose IWF as our preferred equipment finance partner because they specialise in tradie asset finance — not the other way round. We disclose this because it's required by law and because we think you should know. Full disclosure here.