FAQ Centre
Finance questions answered clearly.
General finance, product-specific and partner program questions for business owners and referral partners.
General Finance FAQ
Common questions.
What types of finance do you offer?
AALS supports asset finance, equipment finance, commercial solar finance, business loans, cash flow finance, invoice finance, stock finance and private lending.
How long does approval take?
Timing depends on the product, lender and documentation. Straightforward applications can often move quickly once the right information is available.
Can I finance used equipment?
Yes, subject to asset age, condition, vendor details and lender criteria.
Can a new ABN obtain finance?
Potentially. Options depend on the applicant profile, asset, deposit, trading plan, security and lender appetite.
Can I obtain finance with bad credit?
There may still be options, but structure, pricing and lender fit will depend on the circumstances and supporting information.
What documents will I need?
Common documents include identification, quotes, invoices, bank statements, financial statements, lease agreements, rates notices and other supporting documents.
Do I need property security?
Not always. Some products are asset-secured or business cash-flow based. Private lending and some larger facilities may require property security.
How much can I borrow?
Borrowing capacity depends on purpose, repayment capacity, business profile, asset, security and lender criteria.
Do you charge broker fees?
Any applicable fees should be disclosed clearly before proceeding with a finance application.
Product-Specific FAQ
Truck, solar and private lending.
Can I finance a used truck?
Yes, used truck finance may be available depending on truck age, condition, vendor type and lender criteria.
How old can the truck be?
Different lenders have different age limits. Older assets may need a more specialist lender or stronger supporting profile.
Do I need a deposit?
Deposit requirements vary by lender, asset, applicant profile and transaction structure.
What is a PPA?
A power purchase agreement is a commercial solar structure where the customer pays for power generated rather than buying the system outright.
Can tenants install solar?
Sometimes, but landlord consent, lease term and site rights are important factors.
How quickly can private lending funds be settled?
Timing depends on security, valuation, legal work, lender requirements and documentation readiness.
Can interest be capitalised?
Some private lending structures may allow capitalised interest, subject to lender policy and security position.
Partner Program FAQ
Referral partner questions.
Who can become a referral partner?
Accountants, lawyers, mortgage brokers, financial planners, business coaches, commercial real estate agents, solar installers, equipment dealers, vehicle dealers and business consultants may apply.
How are referral fees paid?
Referral or revenue-share arrangements should be agreed in writing as part of partner accreditation.
Do I require a finance licence?
This depends on the referral activity and regulatory position. AALS should confirm the compliant referral process for each partner type.
How do I track referrals?
The final partner workflow can include referral tracking and online application management.
How quickly are commissions paid?
Commission timing will depend on the partner agreement, settlement status and reconciliation process.
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