Working with a broker: your questions answered

Making an initial enquiry is not the same as applying to a lender. We discuss your circumstances and likely options first. Your broker will explain any credit check that is required and obtain your consent before proceeding.

We are a finance broker. We compare suitable options from our lender panel and help you through the process. We explain any broker fee and how we are paid before you proceed. The lender assesses and decides the application.

No. You can review the options and ask questions before deciding. Nothing is submitted to a lender without your go-ahead.

We hold accreditations with a panel of more than 18 lenders, spanning major banks, non-bank asset financiers, specialist commercial funders, invoice and trade finance providers and short-term fintech lenders. A panel matters because credit appetite varies enormously: an asset or an industry that one funder avoids may be routine for another. We select from the panel based on your circumstances rather than sending the same application everywhere.

Lenders typically pay us a commission when a loan settles, and in some cases a broker fee applies which we disclose before you proceed. We explain how we are paid for your specific loan before anything is submitted.

Tell us first — raise it with your broker or ask for it to go to our internal complaints process, and we will investigate and respond. If you are not satisfied with the outcome, you can take the matter to the Australian Financial Complaints Authority, an independent external dispute resolution scheme we are a member of. AFCA is free for consumers and small businesses. We will give you our complaints details and AFCA's contact details on request.

Lyft Capital Pty Ltd holds Australian Credit Licence 541052. A credit licence is required to arrange consumer credit regulated by the NCCP Act — for example a personal car loan or a personal loan — and brings obligations around responsible lending, disclosure and dispute resolution. Commercial lending to a business for business purposes is generally outside that regime, but we apply the same standards of disclosure to it. We are also a member of AFCA.

Our office is at Level 14, 3 Parramatta Square, Parramatta NSW, and a large share of our clients are across Western Sydney, the Blue Mountains, Newcastle, Wollongong and the Central Coast. We also work with businesses Australia-wide, because lender panels, documents and settlements are handled electronically. Anthony, Stefan and Kris can meet in person around Sydney or work by phone, email and video anywhere in the country.