Funding That Fuels Your Next Move.
Not Just the Next Month
Finance Made Simple. Results Made Fast.
Finance Made Simple. Results Made Fast.
About Roberto
Asset Finance Broker
I’m Roberto Puda, an Asset Finance Broker with over six years of experience helping Australians secure finance for business growth, vehicles, and equipment. I’m proud to be part of Neo Finance Group in Hamilton, NSW, where we focus on clear, customer-first finance solutions.
I’m transparent, hardworking, and don’t do the usual BS. You’ll get straight answers, honest advice, and a clear path to approval, no jargon, no fluff. Finance should empower you, not confuse you.
I’ve worked with everyone from consumer, sole traders to larger businesses, building trust through open communication and real results. Whether you’re new to finance or know the ropes, I’ll take the time to understand your goals, lay out your options, and fight for the best outcome.
At the end of the day, it’s about more than just finance, it’s about helping you build momentum, grow your business, and move forward with confidence.
Let’s cut the noise and make it happen.
Our Services
At Neo Finance Group, our approach is built on transparency, hard work, and integrity.
We provide clear information, honest feedback, and a straightforward process from application to settlement. Our goal is to help you make informed financial decisions with confidence and clarity.
If you’re ready to explore your options, get in touch today, and let’s find the right finance solution for you.
PERSONAL LOANS
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Debt Consolidation is a way to simplify your finances by combining multiple debts, such as credit cards, personal loans, or store cards, into a single, easy-to-manage loan. Instead of juggling several repayments, you’ll have just one regular payment with a fixed term and interest rate.
This approach can help reduce stress, improve cash flow, and potentially lower your overall interest costs. By streamlining your repayments, you can gain better control of your finances and work toward becoming debt-free sooner. -
An unsecured loan is a flexible finance option that doesn’t require you to use an asset, such as a car or property, as security. This type of loan is ideal for covering personal expenses like renovations, travel, medical costs, or even consolidating smaller debts.
Because the loan isn’t tied to an asset, approval is generally based on your credit profile, income, and ability to repay. This makes unsecured loans a convenient choice for borrowers who want quick access to funds without putting their assets on the line.
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A secured loan is a type of finance that uses an asset, such as a car, property, or equipment, as security for the lender. By providing this security, you can often access lower interest rates, higher borrowing limits, and longer repayment terms, making it an attractive option for larger purchases or refinancing.
Secured loans can be used for a wide range of purposes, including debt consolidation, vehicle purchases, or business investments. Because the loan is backed by an asset, lenders view it as lower risk, which can make approval easier and more affordable.
CAR LOANS
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A new car loan helps you finance the purchase of a brand-new vehicle with manageable repayments and flexible terms. Whether it’s for personal use or your business, a tailored loan can make it easier to drive away in the car you want sooner, without putting unnecessary pressure on your finances.
With access to a wide range of lenders, Neo Finance Group can help you compare interest rates, loan terms, and repayment options to ensure you’re getting the best possible deal. We handle the process from start to finish, keeping everything clear and straightforward so you can focus on enjoying your new vehicle.
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A used car loan allows you to purchase a pre-owned vehicle through a structured finance option that suits your budget and needs. Whether you’re buying from a dealership or a private seller, this type of loan can make owning a reliable vehicle more affordable and achievable.
At Neo Finance Group, we compare a wide range of lenders to find competitive interest rates and flexible terms for your used car purchase. We’ll guide you through every step, from application to settlement, ensuring you understand your options and feel confident in your decision.
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Refinancing a loan means replacing your current finance agreement with a new one that offers better terms, such as a lower interest rate, reduced repayments, or more flexible conditions. It’s a smart way to take control of your finances, improve cash flow, or simply make your loan work better for your current situation.
At Neo Finance Group, we review your existing finance to see where you could be saving money or improving your repayment structure. We work with a wide panel of lenders to compare your options and identify opportunities to reduce costs, shorten your loan term, or unlock equity for future goals.
BUSINESS LOANS
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A small business loan provides the funding your business needs to grow, manage cash flow, or invest in new opportunities. Whether you’re expanding operations, purchasing stock, upgrading equipment, or launching a new project, the right finance can help you take your business to the next level.
At Neo Finance Group, we understand that every business is unique. We take the time to learn about your goals, financial position, and future plans before matching you with lenders who offer competitive rates and flexible loan options.
We can assist with a range of business loan types, from unsecured business loans and working capital solutions to longer-term funding for growth. Our process is transparent, efficient, and tailored to your needs, ensuring you get the right support to keep your business moving forward.
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Commercial business loans are tailored to support larger or more established businesses seeking funding for growth, expansion, or major investments. These loans can be used for purchasing commercial property, upgrading facilities, acquiring new assets, or managing large-scale operational costs.
At Neo Finance Group, we work closely with business owners to understand their financial position and long-term goals. We then identify suitable commercial lending options that align with their objectives, whether that’s through property-backed loans, equipment finance, or structured business funding.
We partner with a wide network of lenders to provide access to competitive rates, flexible terms, and a variety of loan structures. Our approach focuses on clarity, efficiency, and transparency, ensuring you have the right financial support to keep your business strong and growing.
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A line of credit is a flexible finance option that gives your business access to funds as you need them, similar to a credit card but often with lower interest rates and higher limits. It’s designed to help manage short-term cash flow, cover unexpected expenses, or take advantage of new opportunities without the need to reapply for a new loan each time.
At Neo Finance Group, we help businesses secure tailored lines of credit that suit their operations and cash flow cycles. Whether you need to bridge a gap between invoices, manage seasonal fluctuations, or create a financial safety net, we’ll connect you with lenders offering competitive rates and flexible repayment options.
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Business asset finance allows you to purchase, lease, or upgrade essential equipment, vehicles, or machinery without putting unnecessary strain on your cash flow. It’s an effective way to access the tools your business needs to grow and operate efficiently, while keeping working capital free for other priorities.
At Neo Finance Group, we work with a wide network of lenders to provide asset finance options that suit businesses of all sizes and industries. Whether you’re looking to buy a new work vehicle, upgrade construction equipment, or invest in office technology, we’ll help you find a finance structure that makes sense, with competitive rates, flexible terms, and transparent conditions.
We take care of the process from start to finish, ensuring you understand every detail before signing. Our focus is on making asset finance simple, strategic, and beneficial to your business’s long-term goals.
Finance Made Simple. Growth Made Possible.
From the fundamentals of asset lending to advanced growth strategies, these free ebooks give you the tools to borrow smarter and build stronger.
Your complete guide to mastering business finance is here, and it’s FREE.
Whether you're buying your first work vehicle, upgrading equipment, or just trying to make sense of asset finance… this eBook has you covered.
Inside you’ll find:
✅ Asset Finance Made Simple – Beginner's Guide
💸 Top 7 Mistakes to Avoid When Financing Assets
📊 Loan Calculator + Funding Strategy
🚛 Car, Truck & Vehicle Finance Buyer’s Guide
📄 What Documents You Need to Apply
📈 Smart Finance Tips to Grow Your Business
If you're serious about getting finance-ready, this is a must-read.
The Little Book of Lending is here and it’s FREE.
Confused about car loans? Unsure how to finance a truck or caravan? Wondering why banks say “no” but brokers say “yes”?
This guide breaks it all down, simple, clear, and designed for both consumers and business owners.
Inside you’ll find:
✅ How asset finance really works
✅ Loan options explained (without the jargon)
✅ Common roadblocks & how to overcome them
✅ Checklists to get approved faster
✅ Real case studies that prove it can be done
👉 Whether you’re chasing lifestyle freedom or business growth, this little book is your roadmap to smarter finance.
Unlock the insider playbook to Asset Finance, and get it FREE.
If you’ve ever wondered why one person gets approved easily and another gets knocked back… or why rates seem to jump around for no obvious reason… this eBook will clear it up fast.
The Secrets of Asset Finance shows you how lenders really think, what actually drives approvals, and how smart structuring can save you thousands over the life of a loan.
Inside you’ll find:
✅ The “Asset Finance Game” Explained – the rules most people never see
🔍 The 5 Lender Lenses – how approvals are truly decided behind the scenes
🧩 Product Secrets – choosing the right structure for your goal (ownership, cashflow, upgrades, tax outcomes)
📉 Rate Secrets – what moves interest rates up or down (and how to get the best tier)
🧮 Deposit, Balloon & Term Breakdown – the hidden math’s shaping repayments and equity
📌 New ABN & No-Property Pathways – how to win deals even without the “perfect” profile
⚠️ Red Flags That Kill Approvals – and the simple fixes lenders want to see
📚 Real Case Studies – smart structuring that turned “maybe” into approved
🤝 The Broker Edge – why brokers don’t just find loans… they create approvals
If you want to stop guessing and start getting better finance outcomes, this is a must-read.
Smart, Tailored Loans from 30+ Trusted Aussie Lenders
Smart, Tailored Loans from 30+ Trusted Aussie Lenders
Finance Calculator
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This tool provides general estimates only and doesn’t include all fees/charges. Not a quote or approval. Actual offers may differ.
We would love to hear from you.
Got a question, a goal, or a finance plan you’re ready to move on? I’m here to help you cut through the noise and get straight to the solution.
FAQs
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Cars, motorcycles, boats, caravans, and sometimes even personal equipment, depending on your circumstances and lender criteria.
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Not always. Lenders assess overall affordability, which may include casual, part-time, self-employed, or contract income.
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Typically: ID, proof of income (like payslips or tax returns), bank statements, and details of the asset you’re purchasing.
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Yes! Pre-approval helps you shop with confidence by confirming how much you can borrow before committing to a purchase.
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A secured loan uses the asset as collateral, usually offering lower interest rates. An unsecured loan doesn’t require an asset as security but may have higher rates.
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In most cases, yes — though some lenders may charge a small early payout or break fee.
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It can range from same-day approval to a few business days, depending on the lender and the complexity of your application.
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A formal application involves a credit check, but initial quotes or pre-approvals often don’t.
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Brokers have access to multiple lenders and can negotiate better rates or terms that suit your personal circumstances, saving you time and money.
CONSUMER
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Chattel Mortgage
Finance Lease
Operating Lease
Hire Purchase
Novated Lease (for employee vehicles)
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For established businesses, yes, Typically 2 years of financials. For newer businesses, “low-doc” or “no-doc” options may be available.
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Yes, many lenders allow used equipment or vehicles depending on age and condition.
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Generally, yes — depending on your structure and finance type. Always check with your accountant for tailored advice.
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Lease: You pay to use the asset but don’t own it until the end of the term.
Chattel Mortgage: You own the asset immediately and the lender holds a mortgage over it until fully repaid.
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For ABN holders with good financials, Often within 24–48 hours. Some low-doc products are even faster.
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Absolutely. There are tailored products for ABN holders, new businesses (6 months of financials), and self-employed operators with limited trading history.
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Yes, fleet and equipment packages can often be bundled under a single facility for convenience.
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A broker works for you, not one bank. They can source from a wide range of lenders to match your goals — whether that’s flexibility, speed, or tax efficiency.