Melbourne · Australia-wide

Finance built for the machines that move your business.

Optilend is a specialist asset finance brokerage. We structure smart funding for machinery, trucks and automotive, backed by a panel of 60+ lenders.

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24hr approvals No impact on credit score 60+ lender panel

Let's start simple

Who's this loan for?

Pick one, we'll tailor the rest in seconds.

Funded by our 60+ lender panel

First responders & defence$500 fuel card with every settled loan, one card per loan for emergency services & ADF members.Claim your offer

5.0

Rated by over 1,000 customers

Trusted by Australian business owners and operators nationwide

60+

Lender panel

24hr

Typical approvals

$2M+

Single deal capacity

100%

Broker independent

Run the numbers

See your repayment in seconds.

Adjust the loan amount, term and indicative rate to model monthly repayments across machinery, truck and automotive finance.

No credit check to get an indicative quote
Compare chattel mortgage, lease and rental
Tailored balloon & residual structuring

What affects your rate

Every lender runs your application through an algorithm to set your interest rate, this is called risk-based pricing. The stronger your profile and the asset, the sharper the rate. Here's what they look at:

Repayment estimator

Indicative only · final rate subject to credit assessment

Loan amount

Type any amount or drag the slider

Term

yrs

0.5 to 10 years

Indicative rate

% p.a.

Adjust to match your scenario

Balloon / residual

Lump sum payable at end of term to reduce monthly repayments

Monthly

$2,488

Total interest

$29,285

Total repaid

$150,825

Early payout scenarioMonth 24

Drag to see how much would be owed if you paid the loan out early.

Payout figure

$78,300

Paid so far

$59,714

Interest saved

$11,271

Get a tailored quote

What we finance

Specialist across the assets that matter.

All services

Machinery Finance

Excavators, loaders, CNC, agriculture and industrial plant.

Truck Finance

Prime movers, rigids, trailers and full fleet packages.

Automotive Finance

Car and light commercial finance, utes, vans, passenger, exotic vehicles and grey imports.

Commercial Construction Finance

Ground-up commercial builds, childcare centres, factories and gyms.

Fit-out & Cashflow Finance

Hospitality and retail fit-outs, venue builds, working capital and unsecured business loans.

Lifestyle Finance

Caravans, boats, jet skis and private aircraft, finance your weekends and adventures.

Why Optilend

A broker who knows the asset, not just the rate.

We're independent, fast and obsessive about structure. From single-truck owner-operators to multi-asset fleet expansions, we package the deal lenders want to fund.

Tailored structures, chattel mortgage, lease, rental, hire purchase
Low-doc & full-doc solutions for ABN holders
Private sale, dealer sale and refinance
Direct access to credit decision-makers

24-hour approvals

Most deals settled within days, not weeks.

Compliant & ethical

Best-interest duty, every transaction.

Lifetime relationship

We finance your next ten assets too.

Asset expertise

We know plate, build & resale value.

Customer stories

What our clients say.

True experts in the industry. Clear, concise advice that made the entire process smooth and stress-free. They offered the best financing options available.

Yugi Y.

Sathvik was a wealth of knowledge and got me an amazing rate. I honestly didn't think I'd be able to obtain such a great deal given my situation.

Boston L.

Not once did I feel like a number. Quick response times, the dealership itself was amazed at the high speed of getting things done.

Julian M.

Awesome work, impeccable service and speedy communication. Honestly couldn't ask for more, would give 6/5 if it was possible.

Lindsay A.

Fast, professional, and hassle-free. Highly recommend if you appreciate efficient solutions from a friendly team.

Neilan F.

So easy to deal with. Sathvik was on his game and got me the best rate. I would highly recommend him.

Anuj S.

Insurance partner

Brixton Insurance

Cover for any asset or property, motor, commercial, farm and professional risk, arranged alongside your finance settlement.

Get a quote

Referral partners

Car dealers & mortgage brokers

Already partnering with us? Log in to track your live deals, submit new referrals and view commission updates in real time.

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Ready to fund your next asset?

Send the details, we'll come back with indicative terms within one business day.

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