New & Young ABN Loans

Just started your business? We specialise in Day 1 ABN loans and finance for operators trading less than 12 months. Get equipment and vehicles on the road fast.

MILLARD FINANCIAL
With over 15 years of experience, we secure competitive finance solutions for businesses and individuals across Australia.
LENDERS IN OUR NETWORK
50+
YEARS EXPERIENCE
15+
LOAN APPROVAL TURNAROUND
24hr
NEW ABN SPECIALISTS

Finance for businesses on day one.

Banks rarely lend to new businesses. We work with specialist lenders who back ABN holders from day one. Whether you've just registered your ABN this morning or you've been trading for a few months, we connect you with non-bank lenders who finance new businesses based on your industry experience and the asset you're buying — not your trading history.

DAY 1 ABN
SOLE TRADERS
EQUIPMENT
LOAN STRUCTURING

Day 1 ABN Holders

Just registered your ABN? We connect you with lenders who finance brand-new businesses on the same day, no minimum trading history required.
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Sole Traders & New Companies

Sole trader, partnership or newly formed Pty Ltd? We structure finance based on your industry experience and the asset you're buying.
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Equipment & Vehicles

Trucks, utes, excavators, trailers or specialist equipment to get started? We finance the assets new businesses need most.
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Structured Loan Guidance

We guide you on how to structure the deal, including deposit options, balloon payments and tax-effective ownership.
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testimonials

What they say about Us?

Here’s what they shared about their experience working with our team.

Millard Financial was outstanding to deal with. From start to finish, they were professional, responsive, and genuinely committed to getting the best result. Their knowledge and industry relationships really show, and the level of service went well beyond expectations. I’d highly recommend Millard Financial to anyone looking for a finance team that truly goes the extra mile.

Tara Campbell

Found Millard Financial online. Had a very unique and challenging circumstance wit my business. Marcus and his team worked around the clock going above and beyond to assist me. Had already sought help from other brokers but had no luck. Millard Financial found me unbelievable rates and terms that only years of knowledge and relationships with lenders would be able to provide. Extremely honest and efficient work. Couldn't recommend Millard Financial anymore.

Dakota Jordaan
Diesel Fitter, Self Employed

Highly recommend — we've used Millard Financial multiple times and each experience has been seamless. Marcus is efficient, reliable, and always gives 110%, helping us out of some very tight situations. Wouldn't go anywhere else! Thanks Marcus.

Krystle McCarthy
CEO, One House Builders

Highly recommend Marcus from Millard Financial, from start to finish he was exceptional. I thought I was a difficult candidate to get finance on a new work van, how wrong i was. Marcus had me approved and settled in 4 days with a great deal. Thanks very much for looking after me Marcus.

Tim Schofield
Owner, Derwent Distributers

Can't rate any higher, great guy to chat to, very informative and on time. Made it breeze help with machinery loan. Cheers mate/ just got a another loan through Marcus again after 5 years same great service seriously can't go wrong.

Nick Bird
Owner, Cockatoo Fencing

Prompt, professional and well connected to deliver the most competitive rates

Wayne Gooch
CEO, Treesafe Australia

Fast efficient and informative. A pleasure to use Millard Finance again. Thanks again

Dyson Wood
Scorpio Screens and Blinds

We honestly couldn't recommend you more highly. Your customer service is absolutely amazing. You make what can sometimes feel stressful so easy and smooth, and we always feel supported every step of the way.
You truly go the extra mile — always answering our questions, explaining everything clearly, and making sure we feel confident and comfortable with every decision. Nothing is ever too much trouble, and that level of care means so much.
We are so incredibly grateful for your professionalism, kindness, and genuine dedication. It's rare to find someone who cares as much as you do. Thank you for everything you continue to do for us — we truly appreciate you more than words can say.
God bless you, your family and your business : )

Blessings, Craig & Kendall Seddon

Kendall Seddon
EO, LUVME

Millard Financial was able to quickly secure equipment finance for an excavator for our family business when all other banks and brokers had told us they couldn't help. This is now the third time I've used Marcus and it's just so easy. Thanks! Jess and Josh.

Josh

Marcus is such a professional. Everything went smoothly, and he answered every question I wasn't sure of. I'd recommend Marcus 100% if you're looking for finance with a smooth transaction and full transparency. Thanks, Marcus.

David Kissell
testimonials

What they say about Us?

Here’s what they shared about their experience working with our team.

Millard Financial was outstanding to deal with. From start to finish, they were professional, responsive, and genuinely committed to getting the best result. Their knowledge and industry relationships really show, and the level of service went well beyond expectations. I’d highly recommend Millard Financial to anyone looking for a finance team that truly goes the extra mile.

Tara Campbell

Can't rate any higher, great guy to chat to, very informative and on time. Made it breeze help with machinery loan. Cheers mate/ just got a another loan through Marcus again after 5 years same great service seriously can't go wrong.

ick Bird
Owner, Cockatoo Fencing

Highly recommend Marcus from Millard Financial, from start to finish he was exceptional. I thought I was a difficult candidate to get finance on a new work van, how wrong i was. Marcus had me approved and settled in 4 days with a great deal. Thanks very much for looking after me Marcus.

Tim Schofield
Owner, Derwent Distributers

Highly recommend — we've used Millard Financial multiple times and each experience has been seamless. Marcus is efficient, reliable, and always gives 110%, helping us out of some very tight situations. Wouldn't go anywhere else! Thanks, Marcus.

Krystle McCarthy
CEO, One House Builders

Prompt, professional and well connected to deliver the most competitive rates

Wayne Gooch
CEO, Treesafe Australia

Fast efficient and informative. A pleasure to use Millard Finance again. Thanks again

Dyson Wood
Scorpio Screens and Blinds

Found Millard Financial online. Had a very unique and challenging circumstance with my business. Marcus and his team worked around the clock going above and beyond to assist me. Had already sought help from other brokers but had no luck. Millard Financial found me unbelievable rates and terms that only years of knowledge and relationships with lenders would be able to provide. Extremely honest and efficient work. Couldn't recommend Millard Financial anymore.

Dakota Jordaan
Diesel Fitter, Self Employed

We honestly couldn't recommend you more highly. Your customer service is absolutely amazing. You make what can sometimes feel stressful so easy and smooth, and we always feel supported every step of the way.
You truly go the extra mile — always answering our questions, explaining everything clearly, and making sure we feel confident and comfortable with every decision. Nothing is ever too much trouble, and that level of care means so much.
We are so incredibly grateful for your professionalism, kindness, and genuine dedication. It's rare to find someone who cares as much as you do. Thank you for everything you continue to do for us — we truly appreciate you more than words can say.
God bless you, your family and your business : )

Blessings, Craig & Kendall Seddon

Kendall Seddon
CEO, LUVME
frequently asked questions

Common questions about new and young ABN business loans.

How new can my ABN be to qualify for a loan?
Day-one ABN finance is available from specialist lenders. Most young ABN products are designed for businesses trading 0 to 12 months, with eligibility based on owner experience and the asset being financed.
What do lenders look at for new ABN loans?
With limited trading history, lenders focus on the owner's industry experience, deposit, the asset being financed (if secured), personal credit, and any contracts or work pipeline already in place.
Can I get a new ABN loan without a deposit?
It's harder but possible. No-deposit new ABN loans usually require strong industry experience, excellent personal credit, and a high-value asset that holds its value well.
How much can a new ABN borrow?
New ABN loans typically range from $10,000 to $250,000. Larger amounts are possible with strong collateral, personal guarantees, or proof of ongoing contracts.
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