Business Loans

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Fuel growth with the right business loan

A business loan isn’t just about funding—it’s about momentum. Whether you’re looking to grow your operations, manage cash flow, invest in new equipment, or seize a fresh opportunity, having the right finance in place can help your business take the next big step. With UFinancial, you get more than a loan—you get a lending partner who understands your goals.

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Types of business loans we offer

Unsecured Business Loans
Fast access to funds without collateral
Secured Business Loans
Larger funding amounts with competitive rates
Line of Credit
Flexible drawdowns to manage cash flow on your terms
Invoice Financing
Unlock working capital from unpaid invoices
Equipment & Vehicle Finance
Invest in essential tools without using working capital
Start-Up Loans
Specialist funding to get your new venture off the ground
Franchise Loans
Tailored lending for franchise set-up or expansion

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Latest news

Asset finance,Car loans

What is a balloon payment?

May 9, 2025

You’ve probably come across the term "balloon repayment" when exploring car loans or other finance options - but what does it really involve? It might sound like an easy way to reduce your monthly repayments, but there’s more beneath the surface. Before you sign the dotted line, here’s what you need to know...

Asset finance,Car loans

What happens if I can’t make my car loan repayments?

May 5, 2025

Asset finance,Car loans

Car loans 101: Should you choose a fixed or variable interest rate?

May 1, 2025

Commercial

Buying commercial property for your business premises

May 1, 2025

Home Loans,Investing

Investment Loan vs. Home Loan: Understanding the Key Differences

April 17, 2025

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T: +61 396 869 087
F: +61 386 790 576
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Level 4, 580 St Kilda Rd,
Melbourne, VIC 3004

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Google Rating

5.0

Based on 382 reviews

UFinancial

5.0

review us on See all reviews

Taryn Ipenburg

1746678246

We have had such a positive experience with Paul and the team. Everyone is always so friendly and accomodating. Paul is an absolute wealth of knowledge and has clearly been in the industry a long time, but very much up to date with new and forever changing details of the industry. I would highly recommend Paul and the team to anyone seeking a skilled and experienced broker.

Michelle Tarr

1746584776

Our old broker recommended Georgia and the team at UFinancial to guide us through a land purchase that had been waiting over 4 years to register and we have been nothing but impressed by the professional and warm service we received. It was a seamless transition from our previous broker, Georgia has been exceptional for us from start to finish. We had a sudden 3 week settlement with no existing pre-approval in place, one of us working away to add to the mix but she worked with us tirelessly to make sure we knew what our options were and not only guide us through the process but doing everything she could to ensure that everything was actioned within the 3 week timeframe with settlement taking place as per schedule. We cannot thank Georgia and the team at UFinancial enough and highly recommend them to anyone!

Alex H

1746426020

Stacey and her team at UFinancial recently helped with my mortgage refinancing. The process was incredibly easy compared to my last time refinancing with another company, which was far more laborious than my experience with Stacey. I got a great deal and everything was done in a timely manner with very little effort from me.

Thanks again to all involved!

Fiona Osment

1746156917

Cannot recommend Daniel Walsh at UFinancial highly enough! We are so appreciative of Daniel’s support and guidance throughout the entire mortgage process. He is evidently very knowledgeable in his field, he explained everything really clearly to us, and never made us feel like we were asking silly questions (even though I’m sure some of them were!)
Daniel has a very calming presence and helped put our minds at ease on many occasions. Always making himself available as we needed, he’s a lovely bloke and a pleasure to work with.
Fiona & Jake

Lucy Reece

1745370220

Daniel gives you the feeling that he has the time to get to know you and what your needs are. His expertise in all areas makes him an amazing asset and ensures you have trust in what is best for your financial future. Absolute legend.

Wrenee W

1744262701

Thank you to Laura & team. As a first time home buyer, i was stressed and excited. Laura has help me by making it a smooth and stress free experience. Always checking in and taking time to go through every detail with me. She is professional, efficient and knowledgeable in this area
I am grateful for their service, and would highly recommend UFinancial. Thank you again.

Godfrey Machingura

1744175213

Debbie is very good, she explained to me clearly about my loan structure and went further to help me setting up my offset facility.

David Symons

1744095756

I left Daniel a review years ago after he obtained pre approval, finance approval, all within a day or two, only for me to withdraw from purchases due to structural issues or missing out on other properties.

I offered him payment for his time as I felt awful / he never once would accept a cent.

Two years on, I finally have settled my dream home, albeit paying more than I thought I could afford, and Daniel and the U Financial team were incredible again. Responsiveness and willingness to help is like no other professional I’ve seen. Don’t hesitate to contact him - you won’t be disappointed.

Kwaku & Nana Yaa Donkor

1744067387

We had the pleasure of working with Laura Biggs (Finance Broker) from UFinancial, and we can’t recommend her highly enough. From start to finish, the entire process was smooth and stress-free.

Laura was incredibly knowledgeable, patient, and always available to answer any questions we had. She took the time to understand our needs and guided us through every step of securing the best deal possible. Her expertise and professionalism made what could have been a complex process so much easier to navigate.

If you're looking for a reliable, efficient, and supportive broker, we highly recommend Laura!

Melon 160th SOR

1743869802

Just completed a mortgage restructure and refinance with Matt and his team. Great team, great communication and easy to deal with. Matt and his team never gave up even when we hit a few hurdles.

End result was awesome, than you very much.

Laura Biggs

1743666954

Bryce Whitaker recently navigated me through refinancing my mortgage and helped me access equity in my property for renovations. He made the process super easy and exceptionally quick turnaround time. His communication was great from start to finish. Thank you, Bryce!

____ 147

1743115476

A huge thank you to Stacey Day, an exceptional broker you can truly reply on. I feel incredibly fortunate to have had Stacey Day as my broker throughout this purchase experience. From our very first call, Stacey made the entire process easy to understand. She has a unique ability to explain each stage clearly, breaking down what could be overwhelming into simple, digestible steps.

Her communication style is not only reliable but also very reassuring. Stacey guided me with great patience, especially when I needed to gather missing documents, and her suggestions were always clear and incredibly helpful. She made the process smoother than I ever expected.

What sets Stacey apart is her approachable, supportive, and responsible attitude. She took the time to offer me options from multiple lenders, providing transparent insights into the pros and cons of each, many of which I wouldn’t have even considered on my own. Her depth of knowledge and openness in sharing it truly stand out.

When you speak with Stacey, you’ll instantly feel the difference. She’s not just someone doing her job, she’s someone who genuinely cares. You’re talking to a real human who is deeply invested in helping you find the right solution, not just launching a case and ticking boxes.

Whether you're a first-time buyer or have purchased properties before, I wholeheartedly recommend Stacey for any future purchases. What we all need in a broker is someone who is trustworthy, knowledgeable, and genuinely supportive—and Stacey is exactly that.

To anyone reading this, and especially to her management team: Stacey Day is a remarkable asset. Her professionalism, dedication, and care go far beyond expectations. I couldn’t recommend her more highly.

Bonnie D

1743042548

️We had a great experience with Debbie Sale, Customer Care Manager at U Financial. She was warm, professional, and made sure we had everything we needed to access our new banking without any hassle.

Her clear communication and attention to detail made the transition smooth and stress-free. Debbie's support was greatly appreciated, and we're thankful for her care throughout the process!

Dan Reid

1742523988

Have used Andrew for a few of our purchases and refinances. Always received excellent service. Well informed and a good communicator, Andrew delivers on his promises. Would high recommend.

Melanie Broadbent

1742288585

We have recently worked with Laura who has been nothing short of amazing. Her communication and attention to detail is second to none. Nothing is too much trouble.
Would happily recommend her services. Thank you Laura !

Steve Woodburn

1742249879

Our experience of UFinancial was excellent. Extremely helpful and proactive along every step of the journey. Abi, as our mortgage broker left us feeling supported, informed and empowered. And was able to negotiate an interest rate with our preferred bank that was lower than what we expected to be possible. Rai left nothing to be desired in overseeing a smooth and stress free settlement process. Would strongly recommend the services of UFinancial!

Monique Watling

1741904633

I have had an amazing experience. Staff have been very proactive and reassuring. Laura checked in regularly and explained all the processes and ensured we were her first priority over banks and we got what we needed and asked for.

Very happy with service and will recommend to anyone.

Regards Monique watling

Fara Rusmitha

1741858032

We can’t thank Stacey Day and the team at UFinancial enough for helping us secure our first home! Stacey was incredibly knowledgeable, patient, and supportive throughout the entire process. She took the time to understand our needs, explained everything clearly, and made what could have been a stressful journey feel smooth and manageable.

The UFinancial team was also fantastic, ensuring everything was handled efficiently and keeping us updated every step of the way. Thanks to their guidance, my partner and I were able to achieve our dream of homeownership. We highly recommend Stacey and UFinancial to anyone looking for expert mortgage advice and outstanding service!

Jason Lejcak

1741556081

Lucas is very efficient and highly motivated. Would recommend for anyone with simple or complex financial needs.

Cynthia K

1741167424

Highly recommend Daniel to help with all financial advice. He was very knowledgeable, patient, helpful and easy to talk with. He helps with every step of the way for a piece of mind.

Lorraine Russell

1741148328

Daniel is amazing to deal with. Super efficient and communication is second to none. Thanks Daniel and team!

Eleanor F

1741141058

Stacey was the most incredible broker we could have asked for! Having Stacey support us every step of the way made this process so much less daunting and stressful. She was always so kind, patient with our many questions and always celebrated the wins and was genuinely on the journey with us. There wasn’t any point where I was left wondering how the progress of our loan application was tracking because Stacey was incredibly proactive with providing us with updates!
If you need a broker I can’t recommend Stacey enough.

Scott

1740997904

We cannot speak highly enough of UFinancial and in particular, our broker Laura Biggs. The process, communication and post settlement followup is excellent. They have saved us thousands. If you are looking for a broker, be assured UFinancial will get you the best deal and will do it quickly and professionally. UFinancial will review our loan on an annual basis and this gives us great comfort in knowing we will always be on the best possible deal.

ilanit erulkar

1740987177

Lucas O’Sullivan was a pleasure to deal with. He was very knowledgeable and took the time to answer all of my questions, no matter how small they were. He kept me updated through the whole process which was extremely quick and pain free. I would not hesitate to recommend him and UFinancil to anyone looking for a Mortgage Broker.

Brent Le Cornu

1740617823

UFinancial was our first experience with a mortgage broker. From the get go, Lucas O'Sullivan was extremely helpful and efficient. He was always well prepared and able to clearly present and explain all our available options. His communication and professionalism are first rate. We would highly recommend UFinancial and Lucas to anyone looking for a mortgage broker!

Ward Adams

1740437277

I recently worked with Lucas O'Sullivan, and I couldn’t be more impressed with the level of service and professionalism he provided. From the very beginning, he took the time to listen to my needs and walked me through every step of the mortgage process with ease. Their expertise and attention to detail helped me secure a great rate, and they were always available to answer any questions I had, no matter how small. I truly felt supported and well-informed throughout the entire process. If you’re looking for a knowledgeable and reliable mortgage broker, I highly recommend Lucas—he made the entire experience stress-free and seamless!

Rachel Clark

1740107360

🙏I found U Financial company amazing!! Especially our Mortgage broker Bryce! Bryce is very professional 😃 My daughter and I were able to get a home loan together and brought our favourite home we've since, we didn't think it was possible because how properties have gone up so much, Bryce helped myself and my family very much 😃 I would recommend to anyone 👍 I actually did recommend Bryce and the U Financial Team, and they were very happy as well Yay! Cheers Bryce to you and all the U Financial Team We are very grateful 🙏 Rachel Clark

Bel

1740099998

Bryce was amazing, helped us through the process making it very easy. Very happy with the service and will definitely continue to use and recommend him in the future.

Garry Patterson

1739756566

The team at UFinancial are the ultimate professionals assisting in the navigation of the complex world of investment finance, remortgage and debt consolidation. From Daniel, Rochelle and Debbie to the whole team they make a very stressful, complex process seem simple and always acting on you, the clients best interest. A pleasure to work with and couldn't recommend highly enough

Daniella Nissan

1739512336

My partner and I had the pleasure of working with Andrew when buying our first home, and he made the entire process smooth. Andrew was always available to answer questions, guide us through paperwork, and provide advice. His expert advice and attention to detail gave us confidence during a stressful period. Everyone we dealt with during the process, including Rochelle and Mark, have been on the ball every step of the way. I couldn’t be happier with my experience and highly recommend Andrew and the entire team at UFinancial to anyone looking to buy their first home!

Sean Mara

1739511864

I had the pleasure of working with Andrew as my financial broker, and I can confidently say he went above and beyond to help me and my fiancée secure our first home loan. From the very beginning, Andrew was extremely professional, attentive, and knowledgeable. He took the time to fully understand our financial situation and explained the process in a way that made everything clear and easy to follow.

Andrew worked tirelessly to ensure that we were approved for the loan, guiding us through every step and answering any questions we had along the way. His dedication and persistence really stood out, and we always felt supported. He made what could have been a stressful experience feel smooth and manageable. Thanks to Andrew’s hard work, we’re now on our way to owning our first home, and we couldn’t be more grateful for his expertise and commitment. 5 Stars isn’t enough for Andrew’s service!

Mark Craig

1739314681

Franco, Mica and the team at UFinancial have been fabulous, we had complex needs and wanted to take it slowly, they have been patient, professional and fulfilled what was needed, highly recommend!

Susie Fletcher

1739186229

Daniel was friendly, patient, and insanely efficient - I can’t recommend him highly enough!

R Elphinstone

1738803635

I was recommended UFinancial by a friend and it exceeded my expectations. Stacey Day made what could have been a very stressful experience, seamless and easy (especially during the Christmas and New Year period when the world is on holidays). I had the benefit of Stacey's expertise to guide me through the process and to answer all the questions I had. I highly recommend Stacey and her team to do what they do best!

Teagan Dwyer

1738613786

We had a wonderful experience with Nicole. Right from the first call Nicole was friendly, non-judgmental and informative about giving us all of the facts and numbers. She was available and super helpful the whole way through our first home buying journey. We are so grateful for all her help and support! Highly recommend!

Mark Smith

1738293763

What a great experience with finance stacey as I called her , I found her online and she has been wonderful from start to finish , from multiple phone calls explaining what seemed complex to me she layed out a simpler explanation and had me connected with the right financial solutions to suit my situation whats more she has still been in touch after everythings been signed to make sure im on the right track . Danm good help would highly recommend 👌

Lauren Dawson

1738034942

We had the best experience with UFinancial and without a doubt would highly recommend them! Everyone we dealt with was fabulous but a special shout out to Georgia Lilley who we found went above and beyond in every aspect of our journey. We can not thank her enough. Our lives have been made so much simpler now on our run to retirement. Thankyou very much!

Tracey Webb

1737713200

Laura and Andrew have been so amazing to deal with. Their support and advice has made any transaction stress free. Our whole family now use Laura. I honestly cannot recommend them enough. We have been so lucky to have them on our side assisting us.

Robert Kenny

1736467012

Andrew was a pleasure to deal with. Incredibly helpful with all questions asked. For this being my first time buying a home Andrew was very patient with any questions I had, couldn’t recommend highly enough.

Sophie Ryan

1734560889

Abi at UFinancial might be the most helpful and understanding broker I’ve ever had the pleasure of dealing with! Abi and the team were always contactable, willing to assist, and going above and beyond to help! Abi is exceptional at what she does, and words cannot express how thankful and grateful I am for everything she has done. As a first home buyer, she walked me through everything and answered all my questions! I could not recommend Abi and the team more!!

Kacee Hamilton

1733984258

Had a great experience dealing with Lucas, his can do attitude was exactly what was needed in my situation. Highly recommend him!

Lucy D

1733780723

I've used UFinancial for a number of different services across the last seven years and have been totally happy with their professionalism, communication and efficiency in helping me to make the best decisions for my financial situation. Most recently I've dealt with Lucas O'Sullivan who I would highly recommend as a broker as he has been fantastic to deal with. All the staff I've encountered over the years have been friendly, knowledgeable and extremely helpful with any questions I've had. I trust UFinancial 100% and will continue to work with them.

Jacob Franic

1733538420

Daniel and the team at Ufinancial have been nothing but amazing to deal with , honestly could not recommend there service enough.

Gavin Roberts

1733140676

Excellent and professional standard work throughout my property purchase.
Geoff always has the correct advice and very quick to respond with any questions or dilemma.
Keep up the good work guys.

Aras Mollison

1733033504

Nathan and Nat did a fantastic job in securing us a competitive loan despite some complexities associated with an overseas relocation. You will be in great hands with UFinancial!

Michael de Heaume

1732677739

Andrew made the whole process so easy. He is knowledgeable, responsive, and really worked hard to get us the best possible outcome. Highly recommended!

Dave Jenson

1731802832

Lucas and the team were fantastic to deal with taking the time to work through our finances and develop and implement strategies to achieve our goals. At no point did did we feel like just another number with Lucas and the team patiently working into our busy schedule. The settlement team efficiently managed this process keeping us informed at each step. Highly recommend Lucas and Ufinancial.

chris donohue

1731631340

Daniel and the team are truly amazing to deal with. They go the extra mile!

Zykd4 VALE (Vera)

1731557171

Nicole McAtee has been incredible ever since we met about seven weeks ago. We are now with a new bank and receiving a lower interest rate on our mortgage. Her guidance has been invaluable and I am excited for our next phase as she assists us in navigating our financial future with our children🥰
Thank you Nicole!!

Tracy Donohue

1731377892

Daniel with his outstanding knowledge and understanding of no only our mortgage, he has created our financial focus for our future! The whole team at U Financial made it effortless, answered the phone every time, supported and guided us through the whole process and I know this is not heard of but also has been checking in to make sure we are happy along the way and was there anything they can do! We live in Queensland as well everything was as like we sat in the same office truly amazing.... Daniel and your team are outstanding thank you! We recommend you and your team! Tracy and Chris

Carl Briggs

1731211449

Lucas and the team were fantastic from start to finish.
They truly went above and beyond to seek the best deal for us to purchase our home.
Cannot speak highly enough of them as they made the process seamless and less stressful through clear, constant communication.
Highly recommend the team at UFinancial.

d h

1731071663

Nicole was fantastic in recognising my needs and advising suitable products for a recent refinance. Expectations were exceeded by means of efficiency and communication throughout the process. The settlement team made sure everything was taken care of. Thanks for your support and as always, look forward to reaching out when next I look at refinancing.

hamish butler

1730759977

Lucas O’Sullivan and the U Financial team offered a fantastic service that helped us understand and navigate the vast world of home loans. Lucas took the time to understand our situation and our goals and provided very clear, easy to understand explanations of all of our options. He was a clear communicator, punctual and made the whole process seamless. If you’re looking to purchase your first property and are a little overwhelmed by anything related to home loans, I highly recommend contacting Lucas and the U Financial team.

Tayla Austin

1730448185

Thanks so much to Lucas for helping me through the process of getting my first home loan. He's great, definitely recommend! 🙂

Craig Johnson

1730239717

I highly recommend Daniel Mills from UFinancial. From our first introduction, Daniel demonstrated professionalism and specialist knowledge when assisting
us with purchasing our first investment property. His communication and customer-centric approach made it a seamless and less stressful process. Thanks again to Daniel and the team.

Mervin Watson

1730072217

UFinancial (Daniel and his colleagues) have been there when I needed them and have managed my business needs extremely well. Highly recommend them to anyone.

Kane Jackson

1725233903

Daniel and the staff have been great.
Fast reliable and helpful.
We would gladly recommend them to anyone looking to refinance or invest!
Made a potentially stressful time very easy and stress free
Thank you

Susan Ciaravolo

1724889076

Daniel and the team were very helpful in refinancing my mortgage find me the best rate possible and explaining all the options available.

David Cox

1723242051

Sensational service provided by Daniel and his team, cannot fault, very prompt with answering questions and sending information, highly recommended.

Kane Beaumont

1723072727

Daniel was very helpful and made the move over from banks, easy as possible.
Worked hard to get us the best results, looking forward to working with the team again in the future 😃

Danielle de la Cour

1718860538

We are so thankful for Daniel and his team! From the initial conversation and guidance, to more than a year later when we closed on our first home he has been there all the way. He came highly recommended in the area and for good reason. Thank you for helping make our dream come true on the Surf Coast

Josh Mckenzie

1715043594

Dealing with Daniel and the team has been an absolute dream. From the very first meeting right through to end they have been incredibly helpful, informative, responsive and honest. I really can’t recommend them enough.
Thanks again for all the hard work

Tanya Shah-Scott

1711321065

Daniel and the team at U-financial have been exceptional. They made the whole process of purchasing our first home smooth, timely and effortless. We highly recommend them and will be using their services in the future.

Scott Cooper

1708655061

Highly recommend! I delt with Daniel Walsh who put alot of effort into getting my finance. Excellent communication and very prompt.

Christian Serrano

1701300180

Have dealt with financial.for two of my properties already and its a breeze dealing with them and taking care of updating my existing loan with the banks after getting the loan Daniel Welsh have assisted me through all the process, excellent to deal with and took care.with me all throughout.Giving him 6 stars if it could.

Andrew Sherry

1701051429

Daniel and his team were excellent from loan application to post settlement, made the process as streamlined as possible, I would highly recommend them to anyone, thanks again.

Karen Donaldson

1700947609

My husband and I received fantastic service and support beyond our expectations. Daniel was available for our ongoing questions and provided much needed support.
We highly recommend Daniel and Ufinancial Torquay.

Laura Hay

1700796857

Daniel Walsh and the team at U Financial have been nothing short of amazing! The whole process has been seamless from start to finish. We were always kept well informed of where things were at and nothing was ever too much trouble. We could not recommend Daniel more highly. We will definitely be using him again in the future for any of our financial needs.

Thomas Dittmar

1700728793

I was fortunate to be recommended to UFinancial Torquay by a friend. My experience with the team, particularly Daniel, has been exceptional since day one. Their support throughout the legal intricacies of purchasing my first home made the entire process remarkably smooth. I cannot emphasise enough how effortless it was for me! Simply signing a few documents electronically and handling some mortgage paperwork. UFinancial Torquay truly exceeded my expectations, and I am genuinely delighted with my decision to choose them for such a significant milestone in my life.

Chloe Bowen

1700610328

Dealing with UFinancial has been so seamless & hassle free. All our stressors were put at ease & no hurdle was ever to high. Incredible outcome for our family. Highly recommend!

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Empowering business owners with flexible finance solutions for growth, cash flow and opportunity

Fuel growth with the right business loan

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Same-Day Decision

Access Your Funds

Support Business Growth

Types of business loans we offer

Latest news

What is a balloon payment?

What happens if I can’t make my car loan repayments?

Car loans 101: Should you choose a fixed or variable interest rate?

Buying commercial property for your business premises

Investment Loan vs. Home Loan: Understanding the Key Differences

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Business Loans

Empowering business owners with flexible finance solutions for growth, cash flow and opportunity

Fuel growth with the right business loan

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Same-Day Decision

Access Your Funds

Support Business Growth

What is a balloon payment?

What happens if I can’t make my car loan repayments?

Car loans 101: Should you choose a fixed or variable interest rate?

Buying commercial property for your business premises

Investment Loan vs. Home Loan: Understanding the Key Differences

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