New ABN. Credit score under 350. And a $33,270 default.

For most lenders, that’s where the conversation ends.

But this client wasn’t just looking for a ute – he’s building an earthmoving business with lots of work lined up and a clear understanding of what he can afford.

We walked through the numbers together, made sure the structure worked for him – and five minutes after receiving the quote, he transferred his $12.5K Admin Fee + Mandatory First Payment to secure the deal.

The scenario:

→ Sole trader

→ ABN less than 6 months old

→ Credit score under 350

→ One big default totalling $33,270

When the business stacks up and the client’s serious, we move quickly.

This one was sorted through our Rent To Buy solution, and he’s now behind the wheel, fully equipped to keep growing.

Got a client who knows what they need, but doesn’t fit the traditional model? Let’s talk.