About 121 Brokers
Tired of being a file number in a lender's queue?
121 Brokers exists for the conversation banks stopped having: a named broker who knows your business, compares real options across our lender panel, and tells you the trade-offs straight: including how we're paid.
Who is 121 Brokers?
121 Brokers is an Australian commercial finance brokerage based in Byron Bay NSW, working with business owners Australia-wide. We arrange business-purpose finance only: working capital, equipment, invoice, trade and vehicle finance: through a panel of banks, non-bank lenders and specialist financiers. We're a broker, not a lender: we're typically paid a commission by the lender when finance settles, and you choose whether any option we present is worth proceeding with.
Behind every application is a small team of commercial-finance brokers who have been arranging business funding since 2018: and the lender relationships that come with more than 500 businesses funded. One broker owns your file from enquiry to settlement, and the operating rule is simple: we'd rather tell you "not yet, and here's why" than push a deal that hurts you in twelve months.
Company details: 121 Brokers · 5/12 Tasman Way, Byron Bay NSW 2481 · (02) 8310 8516 · info@121brokers.com.au
121 Brokers at a glance
- businesses funded
- 500+
- funding arranged
- $5K to $5M
- lenders on our panel
- Banks + non-banks
- Google rating (29 reviews)
- 4.7★
FAQs
Fair questions to ask any broker
Are you a lender?
No: we're a broker. We don't lend money; we compare and arrange finance from third-party lenders on your behalf, then manage the application through to settlement. Approval decisions, rates and terms always rest with the lender.
How does 121 Brokers get paid?
Typically the lender pays us a commission when your finance settles: not you. We disclose how we're paid before you proceed, and any client fee, if one ever applies, is agreed in writing upfront.
Do you only handle business finance?
Yes: business-purpose finance only. We don't arrange personal, household or other consumer credit regulated under the National Consumer Credit Protection Act. If your need is personal-purpose, we'll say so early and point you in the right direction.
Talk to a broker who'll give it to you straight.
Fifteen minutes on the phone usually tells you more than a week of comparison sites.