One ecosystem. All transport.

Finance That Moves Your Business Forward

Australian Credit Licence 570670 · ABN 41 670 505 816

AYIO Financial helps Australians get the finance they need for trucks, equipment, vehicles and business. Tell us what you need and we'll take care of the rest.

✓ No obligation ✓ Fast response ✓ All enquiries welcome ✓ ABN holders welcome
Finance Calculator
$0 / month
Total interest: $0
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Estimates only. Actual rates subject to lender approval.

What We Finance

From heavy trucks to business cashflow — we scope your enquiry, match the lender, and arrange the finance under Australian Credit Licence 570670.

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Truck & Transport Finance

Rigid trucks, semi-trailers, B-doubles, tippers, concrete agitators, refrigerated vehicles. New and used, dealer or private sale.

Truck finance in Melbourne →
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Equipment Finance

Forklifts, excavators, cranes, plant & machinery. We assess on the asset and your cashflow — not just a credit score.

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Business Finance

Working capital, trade finance, fitouts, and refinance. Structured around your business cash cycle.

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Consumer Vehicle Finance

Cars, motorbikes, caravans and leisure vehicles. Competitive rates for personal use.

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Refinance & Restructure

Already in a loan that doesn't work? We can often improve your rate, term, or structure and save you money.

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Low-Doc & Complex Deals

New ABN, credit impairment, non-standard assets — we specialise in the deals others won't touch.

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How It Works

Three steps from enquiry to approval.

1

Submit Your Enquiry

Tell us what you need. Takes 2 minutes. No commitment, no paperwork required at this stage.

2

We Arrange the Right Lender

We pass your enquiry to the holder of ACL 570670 — a licensed credit professional who will assess your situation and contact you directly.

3

Settle & Drive Away

If your application is approved, the credit provider handles documentation and settlement. You focus on your business.

Fast
Assessment
Same-day finance decisions
Specialist
Network
Low-doc & complex
No Upfront
Fees
Free service to you
Australia
Wide
We work nationwide
Ready to go now?
Get a real answer same-day with the full application
Takes about 6 minutes. We pass it straight to a credit professional — much faster than a quick quote.
Apply now →

Or send a quick enquiry

Just your contact details — we'll be in touch within 48 hours to talk through what you need. No obligation, no paperwork required.

Want a real answer faster? Skip the wait — apply now →

Chat with us
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AYIO Finance Assistant ● Online now
Hi! 👋 I'm here to help with any finance questions.

Whether you're looking at trucks, equipment, or just want to understand your options — ask me anything.