Flexible Non-Bank Finance & Equipment Loans for Business

At Millard Financial, we specialise in helping businesses across the Gold Coast and South East Queensland secure the funding they need—without the red tape of traditional banks. If your business has been knocked back by the big banks or you're just looking for faster, more flexible finance solutions, non-bank business finance could be the ideal fit.

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From equipment finance and invoice factoring to short-term loans and working capital solutions, we connect you with tailored options from trusted non-banking financial companies (NBFCs) and alternative lenders.

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Whether you’re expanding, upgrading, or just need a bit of breathing room with your cash flow, we’re here to support your next move.

 

Why Choose Non-Bank Business Finance?

Traditional bank lending can be slow, rigid, and not always suited to the real-world needs of Aussie businesses. That’s where non-bank business finance steps in.

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These lenders offer more flexible approval criteria, faster turnaround times, and a wider variety of loan structures that can be tailored to your unique situation.

With Millard Financial, you get:

• Fast approvals – often within 24–48 hours

• Flexible loan terms

• Minimal paperwork

• Options for startups and businesses with complex finances

• Access to trusted, vetted NBFCs and alternative lenders

 

Specialising in Equipment Financing

As part of our Complex Business Finance services, we place a strong focus on equipment finance—especially for businesses that struggle with traditional bank funding due to industry type, credit history, or complex structures.

We help clients secure finance for:

• Construction and earthmoving machinery

• Manufacturing and production equipment

• Medical and dental equipment

• IT and office technology

• Transport and logistics vehicles

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Our network of alternative business financing partners offers both secured and unsecured equipment finance options, depending on your needs. Whether you're upgrading old gear or expanding your fleet, we’ll structure a deal that works for your cash flow.

 

Flexible Business Funding Options Available

Every business is different, so we take the time to understand your circumstances before recommending the right product. Some of the non-traditional business loans we can arrange include:

 Business Lines of Credit

Get approved for a revolving credit limit you can dip into as needed, perfect for managing cash flow fluctuations or seizing opportunities.

Invoice Financing & Invoice Factoring

Turn unpaid invoices into immediate cash. These accounts receivable financing options are ideal for businesses with slow-paying customers.

Working Capital Loans

Short-term finance to cover day-to-day operational costs, staff wages, supplier payments, or seasonal lulls.

Asset-Based Lending

Use your business assets (like equipment, inventory, or property) as collateral to access flexible funding.

Merchant Cash Advances

Receive a lump sum up front and repay it via a portion of your future card sales—great for retail, hospitality, and service-based industries.

Unsecured Business Loans

Borrow funds without needing to put up business or personal assets, suitable for businesses with consistent cash flow.

Supply Chain Finance

Pay suppliers on time (or early) while extending your own repayment terms—freeing up cash to run your business smoothly.

Business Cash Flow Loans

Designed to help you navigate cash flow gaps without disrupting your operations.

 

Who We Work With

We assist a wide range of industries, including:

• Construction & trades

• Manufacturing

• Medical & allied health

• Transport & logistics

• Professional services

• Retail & eCommerce

• Agriculture & primary industries

Our focus is on real outcomes—not ticking boxes. Whether you're a small local business or a growing enterprise, we’ll fight to get you the funding you deserve.

 

Why Partner with Millard Financial?

As a local financial expert based right here in Queensland, we understand the nuances of doing business in the region. We’re not just brokers—we’re problem solvers.

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Our team has years of experience working with non-banking financial companies (NBFCs) and understands how to package complex applications for the best result. We’ll handle the legwork, liaise with lenders, and keep you in the loop every step of the way.

When the banks say no, we find a way forward.

 

Fast Business Loans That Work on Your Terms

Need a quick funding boost to take on a new project, cover a tax bill, or get through a rough patch? We’ve got access to a wide panel of business loan lenders who specialise in fast business loans with approval times as quick as 24 hours.

We’ll assess your needs, provide transparent advice, and offer funding options that align with your goals.

 

Proudly Serving the Gold Coast & South East Queensland

From Brisbane to Burleigh, Logan to Lismore—our clients span the full stretch of South East Queensland and the Gold Coast. We’re proud to help businesses in the region thrive by providing smart, efficient, and flexible funding solutions.

You don’t need to go it alone. Let us help you access the capital you need without jumping through hoops.

 

Start Your Business Finance Journey Today

If you're ready to explore non-bank business finance or want to learn more about your business funding options, reach out to the team at Millard Financial today.

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We’ll provide obligation-free advice and help you navigate the world of alternative business financing with confidence

 

Ready to fund your next move?
Contact us today and take the next step toward smarter, faster finance—no banks required.

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