Getting Finance Sorted Has Never Been This Easy

Our service model is designed to be transparent and straightforward. In most cases, we receive a commission from the lender when your finance is successfully settled, which means our interests are aligned with yours - we only succeed when you get the finance you need. For certain specialised or complex finance arrangements, there may be broker fees involved, but we always disclose any costs upfront before proceeding with your application. There are no charges for initial consultations or assessments, so you can discuss your finance needs with us without any obligation or upfront cost. We believe in transparency throughout the process, which means you'll understand the total cost of your finance arrangement, including any fees, before you commit to anything. Our priority is finding you appropriate finance solutions, and we're upfront about how we're remunerated for that service.

The timeframe for approval varies depending on the complexity of your application and the type of finance you're seeking. However, one of the key advantages of working with us is that we streamline the process significantly. For straightforward applications with complete documentation, we can often secure conditional approval within 24 to 48 hours. More complex business finance arrangements may take several days to a week. We prioritise speed without compromising the quality of your application, because we know that business opportunities often have tight timeframes. Before we submit anything, we ensure your application is complete and presented professionally, which reduces delays caused by missing information or unclear documentation. We keep you informed throughout the process and manage communication with lenders on your behalf, so you're not left wondering about progress.

When you approach a bank directly, you're limited to their specific products and lending criteria. If your application doesn't fit their particular requirements, you may face rejection without understanding why or what alternatives exist. As finance brokers, we work with a panel of lenders, which gives you access to multiple finance options rather than just one. We assess your situation first, then match you with lenders who are most likely to approve your application based on your circumstances. This approach saves you considerable time and reduces the frustration of multiple rejections. We also prepare and present your application professionally, highlighting the strengths of your financial position. For business owners and PAYG professionals, this means faster decisions and structured finance solutions tailored to your specific needs rather than generic bank products.

Self-employed contractors and sole traders often face additional scrutiny when applying for finance because their income can be variable and they don't have traditional payslips. We specialise in presenting self-employed applications in the strongest possible way, highlighting your income consistency, client base, and business viability. We understand what lenders want to see from self-employed applicants and can guide you on the documentation that demonstrates your capacity to service finance. This might include tax returns, bank statements showing regular income deposits, contracts with clients, or ABN registration details. For tradies, transport operators, and contractors who need vehicle finance, equipment finance, or working capital, we know which lenders are more receptive to self-employed applications. We take the time to understand your business model and income patterns, then match you with appropriate lenders rather than taking a one-size-fits-all approach.

Yes, we specialise in arranging finance for individuals who need surgery for medical or personal reasons. Medical procedures often can't wait for you to save up the full amount, and many Australians prefer to proceed with necessary surgery sooner rather than later. We work with lenders who understand medical finance and can arrange structured repayment plans that suit your budget. This applies to various procedures including cosmetic surgery, dental work, fertility treatments, and other medical interventions that may not be fully covered by Medicare or private health insurance. The application process is confidential and handled professionally, with respect for the personal nature of your medical decisions. We can arrange finance amounts suitable for different procedure costs, with repayment terms that work within your income and commitments. Our role is to remove the financial barrier to necessary medical care.

Not necessarily. While strong credit history certainly helps, we work with clients across various credit situations. Different lenders have different criteria, and part of our expertise is knowing which lenders are more flexible with credit assessment. We focus on your overall financial picture, including your income stability, business performance, and ability to service repayments. For business owners, lenders often consider business revenue, time in operation, and industry type alongside personal credit history. If you've had credit challenges in the past, we can still explore options and present your application in a way that emphasises your current financial stability and repayment capacity. Being upfront about your credit situation allows us to set realistic expectations and direct your application to appropriate lenders. Our goal is to find workable solutions rather than simply declining applications that don't fit a narrow set of criteria.

We service clients throughout Australia, regardless of where you're located. Modern technology allows us to handle applications, documentation, and communication entirely online or by phone, which means you don't need to visit an office in person. Whether you're in a major city, regional centre, or rural area, we can assist with your finance needs. This is particularly valuable for business owners in regional Australia who may not have local access to specialised finance brokers. We understand that businesses and professionals across different parts of Australia face unique challenges and opportunities, and we're equipped to work with clients in various industries and locations. The application process is the same regardless of where you're based, and we ensure you receive the same level of service and attention whether you're in Sydney, Perth, Brisbane, Melbourne, or a country town.

A finance broker acts as an intermediary between you and potential lenders, working to find finance solutions that match your specific circumstances and goals. At Three Plus Me Finance, we specialise in helping business owners and professionals secure funding without the lengthy back-and-forth that typically comes with traditional banking. We understand the finance landscape across multiple lenders and products, which means we can present your application in the strongest possible way. For tradies, transport operators, construction firms, medical practices, and retail businesses, we focus on getting you the capital you need to expand operations, purchase equipment, manage cash flow, or seize growth opportunities. Our role is to handle the complexity of the application process while you focus on running your business.

We arrange various finance solutions depending on what your business needs. This includes equipment finance for purchasing vehicles, machinery, or technology, business loans for expansion or working capital, commercial vehicle finance for transport and logistics operators, and asset finance for acquiring essential business assets. For medical and dental practices, we can arrange finance for equipment upgrades and practice expansion. We also help construction and trade businesses secure finance for tools, vehicles, and equipment that keep their operations running. The type of finance we recommend depends on what you're trying to achieve, your current financial position, and how you want to structure repayments. Our job is to understand your goals first, then present options that align with your business strategy and cash flow requirements.

The documentation requirements depend on whether you're applying as a business owner or PAYG professional, and the amount you're seeking to borrow. Business owners typically need to provide recent business financial statements, tax returns, BAS statements, and bank statements showing business transaction history. PAYG employees generally need recent payslips, tax returns, and personal bank statements. For larger finance amounts, lenders may request additional information about assets, liabilities, and existing commitments. If you're purchasing specific equipment or vehicles, you'll need quotes or invoices for what you're buying. We provide you with a clear checklist at the start of the process so you know exactly what's required. We also review your documentation before submission to ensure everything is in order, which prevents delays and requests for additional information later in the process.