Finance solutions made simple

Getting started is pretty straightforward. You can reach out to us through our website or give us a call, and we will have an initial chat about what you are looking for. There is no pressure and no obligation at that stage. We just want to understand your situation so we can figure out whether we are the right fit for what you need. From there, if you are happy to move forward, we will walk you through the next steps and let you know what information we need from you. We work with clients on the Sunshine Coast and right across Australia, so no matter where you are based, we are happy to have a conversation.

Having a less than perfect credit history does not automatically mean you are out of options. There are lenders on our panel who specialise in working with people who have had credit issues in the past, such as defaults, missed payments, or a bankruptcy. That said, we want to be straight with you. We cannot promise that every application will be approved, and the options available to someone with a complicated credit history may look different to those available to someone with a clean file. What we can do is have an honest conversation with you about your situation and give you a realistic picture of what might be possible before we go any further.

Yes, it can. When a lender does a formal credit check as part of an application, it can leave a mark on your credit file. This is sometimes called a hard enquiry. Having too many of these in a short period of time can have a negative impact on your credit score. One of the advantages of working with a broker like Treadgold Finance is that we try to match you with suitable lenders before submitting a formal application, which helps reduce the number of unnecessary credit checks. We are not in the business of firing off applications to every lender on our panel just to see what sticks. We take a considered approach.

The documents required will depend on the type of loan you are applying for and your personal circumstances. Generally speaking, most lenders will want to see proof of identity, such as a drivers licence or passport, along with proof of income like payslips or tax returns. If you are applying for business finance, you may also need to provide business financials or bank statements. We will give you a clear list of what is needed once we understand your situation, so you are not scrambling around trying to guess what to pull together. The more organised you are with your paperwork, the smoother the whole process tends to go.

The timeline can vary depending on the type of finance you are after and how quickly we can gather the information we need from you. For something like a car loan, the process can move along quite quickly once we have your documents and details sorted. Business asset finance can sometimes take a little longer depending on the complexity of the deal and the lender involved. The best thing you can do to keep things moving is to have your documents ready when we ask for them. We will always keep you in the loop and let you know what stage things are at so you are never left wondering what is happening with your application.

As a broker, we are typically paid a commission by the lender when a loan is settled. This means that in most cases, you do not pay us directly for our service. We are upfront about how we are paid because we think you deserve to know that before we get started. If there are any fees that apply to your specific situation, we will let you know clearly before you commit to anything. Transparency is something we take seriously. We want you to feel confident that you understand exactly what you are signing up for, so we will always walk you through the costs involved before anything is finalised.

When you go directly to your bank, you are only seeing what that one lender can offer you. A broker like Treadgold Finance has access to a panel of multiple lenders, which means we can look across a wider range of options on your behalf. We also understand how different lenders assess applications, so we can match you with lenders that are more likely to suit your circumstances. On top of that, we handle the paperwork and communication, which saves you a lot of time and hassle. It is not about cutting your bank out entirely, it is about making sure you are not limiting yourself to just one option without knowing what else is out there.

We cover a solid range of finance options. Car loans are one of the most common things we help people with, whether it is a brand new vehicle or a used one. We also assist with personal loans for things like holidays, home renovations, or other personal expenses. On the business side, we help with asset finance, which covers things like trucks, trailers, forklifts, medical equipment, and other business assets. If you are not sure whether what you need falls into one of these categories, just reach out and we will let you know whether we can help or point you in the right direction.

We work with clients all across Australia, not just those on the Sunshine Coast. If you are an individual looking to buy a car or cover a personal expense, we can help. If you run a business and need to finance equipment, vehicles, or machinery, we can help with that too. Whether you are a first-time borrower or someone who has taken out finance before, we are happy to have a conversation about your situation. There is no complicated entry requirement to speak with us. You just need to be looking for finance and want someone in your corner to help sort it out.

Treadgold Finance is an asset finance broker based on the Sunshine Coast. In plain terms, that means we work as the go-between for you and a range of lenders. Instead of you spending hours ringing banks and filling out application after application, we do the legwork on your behalf. We look at your situation, figure out what you need, and then go out to our panel of lenders to find a loan option that suits you. Whether you are after a car loan, a personal loan, or finance for business equipment, we handle the process from start to finish so you can get on with your life.