If you’re working with Josh – or about to – this is your chance to get to know the person behind the phone number.
He’ll tell you why he backs clients who’ve been through voluntary administration… and he’s got an opinion about coffee that might divide the room.
Q & A with Josh…
- What type of client do you find yourself going to bat for most often?
Anyone who’s been through voluntary administration. It tells me they saw the situation they were in and chose to face it rather than avoid it. They’re looking to get back on their feet and I want to help them do that.
- Walk us through what a “good ARG deal” looks like to you.
A client with at least 15% upfront on a vehicle valued under $50,000. If they’ve got that Mandatory First Payment and the asset is a ute or van under $50k – for commercial purposes, of course – we can almost always get it through. There are still some credit requirements to meet, but these are by far the smoothest and quickest deals for us to approve and settle.
- Fast Lane or Standard Product – which do you find yourself using more, and why?
Standard Product, and I see that as a positive. Most of the clients I work with have had something go wrong in the past – a default, a previous bankruptcy, something along those lines.
It just means I need to structure the deal a bit more carefully to meet ARG’s approval criteria.
These clients are trying to move forward and get a vehicle so they can keep working, and with the right structure, we can help them do that.
- What do you wish brokers knew before sending you a deal?
When you’re talking to your client, don’t position Rent To Buy as an alternative to finance. Position it as what it is – a rental agreement that gets them working when banks and lenders have said ‘no’. The pricing works differently because the product works differently. If you lead with that, the conversation is a lot smoother for everyone.
- In the first 60 seconds of a call, what does a broker need to tell you for you to know it’s an ARG deal?
This one’s easy. Tell me:
– what the client does for work
– what kind of asset they’re looking at
– what kind of messiness is sitting on their credit file (if any)
– their ABN
– and their postcode
That’s it. If I have all that info I can tell you straight away whether it’s one for us.
- What’s your karaoke anthem – the one you’d belt out if we forced you on stage?
That’s a tough one. But I’m going with “I’m Not the Only One” by Sam Smith and A$AP Rocky.
- If you were a ute, which make or model would you be – and why?
I would probably go for a 2024 Toyota Hilux. Why? Because I am high in value and reliable. Either that or Mater from Cars.
- When Monday’s chaos, what’s your go-to coffee order?
Everyone’s going to hate me for this, but I don’t drink coffee. It tastes like burnt chocolate. I get a lot of funny looks when I go to meetings.
- What’s one skill or hobby we’d never guess you have?
I’m a big basketball fan and I’ve been playing most of my life. I flew to Oklahoma to watch OKC win in the finals in 2025.