$150,000
Toyota LandCruiser 2025
Agriculture
Regional VIC
Chattel MortgageApproved in 24 hours
Independent Australian brokerage
Commercial finance, built around the way your business operates.
Vehicle, equipment and growth finance for Australian businesses. Two principals handle every deal personally, backed by 50+ lenders.
01 · The team
Francis and Alex. That's it.
Two senior commercial finance brokers. We answer the phone. We do the work. You get our judgement, not a junior's.
02 · The panel
50+ lenders. One advocate.
We compare the panel and structure the deal around your business. Not the easiest lender. Not the highest commission. The right one.
03 · The proof
Most of our clients come from other clients.
5.0 from 150+ Google reviews. 2,000+ Australian businesses funded. The growth is referral-led because the work is.
About Valco
Built around the way you actually run your business.
Valco Group is a Melbourne commercial finance brokerage founded by Francis Valente and Alex Qemal. We work with Australian businesses across vehicle finance, equipment finance, and growth capital. Every deal is handled by one of us personally, from the initial conversation to settlement. No call centres. No juniors learning on your file.
We're deliberately lean. The technology we build absorbs the admin work that slows most brokerages down, which means we can spend time on the parts that actually matter: understanding your business properly, finding the right lender from a panel of 50+, and structuring a deal that fits your cash flow rather than the lender's preference.
What we do
Finance for the things your business runs on.
Four core products. One advocate working with 50+ lenders to find the right structure for your situation.
Chattel Mortgage
Vehicle and asset finance with day-one ownership and upfront GST claim.
Learn moreEquipment Finance
Tools, machinery, and technology. Funded around the way the asset earns.
Learn moreLow-Doc Finance
Up to $250k without financials. Fast when paperwork would slow things down.
Learn moreAsset Finance
Trucks, trailers, fit-outs, anything with value. New or used.
Learn moreReal deals
Recent approvals.
A snapshot of work we've arranged for Australian businesses recently. Different industries, different structures, every one handled personally.
Trusted lenders
50+ trusted lenders competing for your business.
What our clients say
Trusted by 2,000+ Australian businesses.
5.0 from 150+ Google reviews. Most of our growth comes from existing clients sending us new ones.
I couldn't be more pleased with the service I received from Francis and Alex at Valco Group Financial Services. For the first time, my asset finance experience was truly seamless. From the initial application to the receipt of funds, I was treated with exceptional care and professionalism. Their communication and follow-up were outstanding, making me feel like a truly valued client. I will definitely be using their services again and highly recommend them to anyone seeking asset finance.
Nicole Dewberry · The Tax Tailor
Frequently asked
Common questions.
Quick answers to the questions most often asked when working with us.
- What kind of businesses do you work with?
- Australian businesses across most industries: trades, transport, agriculture, construction, professional services, ecommerce, hospitality, and more. If you have an ABN and need finance, we can usually help.
- How is Valco different from a bank?
- Banks lend you their own money on their own terms. We are a brokerage, which means we work for you, comparing 50+ lenders to find the structure that fits your business. No single product, no captive panel, no incentive to send you anywhere specific.
- How is Valco different from an online comparison site or aggregator?
- Comparison sites typically pass your details to multiple lenders or brokers, and the loudest one wins your business. With us, your deal is handled by one of two principals personally, from the first conversation to settlement.
- How long does approval take?
- Same-day pre-approvals are normal for most deals. Settlement typically follows within 24 to 48 hours once the lender has what they need. Complex situations take longer; we will be straight with you about timing on the first call.
- Do you charge upfront fees?
- No. We are paid by the lender on settlement, not by you upfront. If a deal does not proceed, you owe us nothing.
- What size loans do you handle?
- From around $10,000 to $2 million plus, depending on the product and your situation. Most of our work sits between $50,000 and $500,000.
- Can you help if my business is new or has limited financials?
- Often yes. Low-doc options exist up to $250,000 without full financials. New ABN deals are possible from as early as one day of trading, depending on the lender and structure.
- What about bad credit or ATO debt?
- We work with specialist lenders for situations the major banks will not consider. Outcomes depend on your specific circumstances, but plenty of deals that look impossible on paper still get done.
- Are you regulated?
- Yes. Valco Group is Credit Representative 557151, authorised under Viking Asset Aggregation Pty Ltd's Australian Credit Licence 543046, and is accredited with the Finance Brokers Association of Australia (FBAA). All deals are handled in line with responsible lending obligations.