What our clients say

Cash flow in retail is lumpy, so a line of credit made far more sense for me than a lump-sum loan. I draw down when stock orders are due and pay it back after the season sells through. Having that buffer sitting there has taken so much stress out of running the shop. Only wish I'd set it up years ago.

Bought a second excavator through an equipment loan and the whole thing was sorted in under two days. They matched the repayment term to the life of the machine so my monthly outgoings actually make sense against the work it brings in. Straight-talking brokers who know what a small builder needs.

Timing here is this customer's experience; approval and funding timing are set by the lender, not 121 Brokers, and are neither typical nor guaranteed.

My biggest client pays on 60-day terms and it was slowly strangling my payroll. Invoice factoring let me get most of the money up front instead of waiting two months. Now I can pay my contractors on time and take on bigger projects without sweating the gap. It changed how I run the business.

A merchant cash advance worked well for me because repayments flex with my daily card takings. Quiet week, I pay less; busy week, I pay more. It suited the ups and downs of a restaurant far better than a fixed loan. Would have given five stars if the initial paperwork had been slightly quicker, but no real complaints.

Events is feast or famine and I needed working capital to lock in venues and suppliers before deposits came in. They looked at the whole picture of my business, not just a credit score, and got me a fair deal fast. Being treated like a partner rather than a file number made all the difference.

Kitted out my whole new studio floor with an equipment loan, rowers, bikes, weights, the lot. Approval was quick and I didn't have to drain my savings to do it. The repayments are comfortable and the gear is already paying for itself in new memberships. Really happy with the service.

I had three different finance agreements at different rates and it was a nightmare to keep track of. They consolidated the lot into a single loan with one manageable repayment and I'm saving money every month. The relief of having just one payment to worry about is hard to overstate.

Individual outcome only; consolidating debts can increase the total amount repaid over a longer term, and savings are not guaranteed. 121 Brokers arranges consolidation through a lender; the loan is the lender's.

Factoring smoothed out the gap between paying my suppliers and getting paid by my stockists. It freed up a serious amount of working capital that had been locked in unpaid invoices. The process was clear and the fees were transparent, which I appreciated after some bad experiences elsewhere.

Setting up a line of credit gave me the flexibility to cover slow months and jump on stock deals when they came up. I only pay for what I use, which is exactly what a small salon needs. The broker took the time to walk me through everything and never made me feel like a small fish.

We needed significant funding to renovate and meet new compliance standards. A secured loan over a longer term made the repayments achievable without cutting staff. Throughout the whole process I felt genuinely supported and never pressured. Highly recommend them to any owner needing serious capital.

Needed a new fleet ute fitted out with racking and tools of trade. The equipment loan covered the vehicle and the fit-out in one tidy package. Fast, fair and no runaround. As a tradie who doesn't have hours to spend on paperwork, that speed is worth a lot.

Ahead of the Christmas rush I needed to buy inventory in bulk. A merchant cash advance let me stock up and repay as sales came through my payment terminal. It matched my revenue perfectly. Slightly higher cost than a standard loan, but for the flexibility and speed it was worth it for me.

Refurbished the shopfront and added a coffee station with an unsecured loan. No property put on the line, funds through quickly, and the repayments were set at a level I could actually sustain. The whole team was patient and explained every figure. Couldn't ask for more.

Rolled a couple of high-interest business cards and a short-term loan into one consolidation facility. My monthly repayment dropped noticeably and I can finally see the light at the end of the tunnel. They laid out the numbers honestly so I knew exactly what I was signing up for.

Individual outcome only; consolidation can increase total interest over a longer term and lower repayments are not guaranteed.

Flowers are seasonal and perishable, so I needed finance that moved with me. A line of credit lets me buy heavily before Valentine's and Mother's Day and pay it back once the flowers sell. It's the perfect tool for a business like mine. Friendly, no-nonsense service too.

Opened a second location using a secured loan and the longer repayment term meant the new site could find its feet without crippling cash flow. The broker was upfront about every cost. I've since recommended them to two other gym owners in my network.

A commercial oven isn't cheap, and financing it instead of buying outright kept my cash free for ingredients and staff. The equipment loan was approved fast and the repayments are very manageable against the extra bread I can now bake. Lovely people to deal with.

The card-linked repayments of a merchant cash advance suited my salon's daily takings really well. Quieter weeks didn't feel like a burden. The advance let me renovate two treatment rooms. Approval was quick and the team was upfront about the total cost, which I respected.

Needed a large sum to bring a production line in-house. A secured loan gave us the amount we needed at a rate that made the investment stack up. The payback period is already looking shorter than projected. Serious funding handled by people who took us seriously.

Fitted out a mobile grooming van with an unsecured loan and it's doubled my bookings. The application was refreshingly simple and the money came through fast. Being able to grow without putting my home on the line meant a lot to me as a sole operator.

Agriculture has long cash cycles and most lenders don't get that. This team structured a secured loan around my harvest and sales calendar so repayments land when the money actually comes in. Thoughtful, tailored and patient. Exactly the partner a small producer needs.

My clients are lovely but slow to pay, and factoring solved that overnight. I now get the bulk of each invoice straight away and can pay my suppliers and myself without stress. It turned a constant cash-flow headache into a non-issue. Wish I'd done it sooner.

Financed a new pressure system and a fit-out for a second bay through an equipment loan. Quick approval and fair terms. Took one extra day to finalise than I hoped, but the broker kept me informed the whole way, so I never felt in the dark. Solid experience overall.

Even a professional services firm has cash-flow timing issues around tax season. A line of credit gives me a buffer to cover wages when client payments bunch up. Everything was transparent and the ongoing support has been excellent. I recommend them to my own clients now.

Financed a second rig with a commercial loan and had the keys within the week. The repayments are matched to my contract income so it all balances out. As a one-truck operation becoming two, this was the step up I couldn't have made without them. First class.

Timing reflects this customer's experience; approval and settlement timing are the lender's and are not typical or guaranteed.

Wholesale fashion means big orders and long waits for payment from retailers. Factoring gave me the cash to fund the next production run without waiting. It's let me scale far faster than I could have otherwise. Clear terms, quick funds, genuinely helpful people.

New fermentation tanks and a canning line don't come cheap. Financing the equipment let me expand capacity while keeping working capital for hops and wages. The term matches the gear's lifespan and the whole thing was sorted quickly. Couldn't be happier with the outcome.

Buying out a retiring partner required a substantial sum. A secured loan over a sensible term made the buyout affordable without straining the practice. The broker handled the complexity calmly and kept everything transparent. A big, stressful transaction made a lot smoother.

Upgraded all my camera and lighting gear ahead of a fully-booked season with an unsecured loan. Simple application, fast funds, and repayments I can meet comfortably from bookings. As a creative sole trader, being treated seriously and quickly meant a great deal.

Financed a new tipper and safety gear for a bigger crew. The equipment loan was fast and the repayments are set against the extra jobs it lets us take. These brokers speak tradie and don't waste your time. Already planning to use them for the next vehicle.

A line of credit gives me breathing room across the quieter months without committing to a big loan. I dip in when I need to and repay when classes fill up again. Low stress, flexible, and the team explained it all so clearly. Perfect fit for a small studio.

Big commercial clients pay slowly and I have wages due weekly. Factoring bridges that gap perfectly, I get paid on my invoices in days, not months, and my staff always get paid on time. It's the single best decision I've made for the cash flow of the business.

Used a merchant cash advance to stock up before a big local festival. Repayments came out of card sales so it never felt like a heavy fixed cost. It paid off well. The process was quick and honest about the total repayable, which is all I ask for.

Needed heavy capital for a new loader and a longer term to match how the work comes in. The secured loan did exactly that at a rate that made sense. Straightforward, no hidden fees, and the money was ready when I needed to move. Highly recommended for plant purchases.

Enrolments jumped and I needed to fit out extra classrooms fast. An unsecured loan meant I could expand without waiting or offering security. Funds arrived within a day and the repayments are comfortable against the new intake. Professional, quick and genuinely supportive.

Timing reflects this customer's experience; funding timing is set by the lender and is not typical or guaranteed.

Financed a new hoist and wheel aligner. The equipment loan let me offer services I couldn't before, and the extra work already covers the repayment. Fast approval and a broker who actually understood the trade. Can't fault the experience at all.

Catering means paying for stock and casuals before the client pays me. A line of credit covers that gap for every event and I clear it once I'm paid. It's taken the fear out of taking on bigger functions. The flexibility is exactly what my business runs on.

Consolidated several equipment finance agreements into one clean loan. The single repayment is lower than the combined old ones and my bookkeeping is far simpler now. The broker crunched the numbers openly and there were no nasty surprises. Excellent all round.

Individual outcome only; consolidation can increase total interest over a longer term and a lower repayment is not guaranteed.

Expanding the growing area and adding a café needed real money. A secured loan over a long term made it work without breaking the weekly budget. Everything was transparent and the support has continued well past settlement. A true partner rather than just a lender.

Pre-season stock for a surf shop is a huge outlay. A merchant cash advance let me buy up and repay from card sales as summer rolled in. It matched my seasonal takings really neatly. Slightly pricier than a term loan but the flexibility earned its keep.

Financed new diagnostic equipment so we could offer more in-house services. The loan kept our cash reserves intact for staffing and the repayments are covered easily by the new revenue. Smooth, quick and professional. The clinic is better for it and so are our patients.

Invested in a proper course platform and a marketing push using an unsecured loan. Enrolments have more than covered the repayments. The application was quick and entirely online, which suited how I run everything. Fast, modern and easy to deal with.

New wood-fired oven and a delivery e-bike financed together. The equipment loan was approved in a day and the extra covers and deliveries already justify it. The broker was warm, quick and completely upfront on every cost. Grazie, a real help to a small family business.

Timing reflects this customer's experience; the approval decision and its speed are the lender's, not typical and not guaranteed.

In recruitment I pay contractors weekly but clients pay me monthly. Factoring closes that gap entirely, I draw on my invoices and never miss a contractor payment. It removed the single biggest strain in my business. Clear, fast and dependable. Highly recommend.

Financed a second vessel to grow the charter side of the business. The boat loan was structured around the tourist season so repayments ease off over winter. They understood a marine tourism operation better than my bank ever did. Smooth sailing from enquiry to funds.

A full refit of the spa needed a serious sum, and a secured loan over a longer term made it affordable. Bookings have climbed since the makeover and the repayments sit comfortably within that. Transparent, patient and genuinely invested in seeing the business do well.

Started my second van with an equipment loan covering the fit-out and machine. Approval was quick, the terms were fair, and the van was earning within a fortnight. For a small operator chasing growth, having a broker who moves fast is everything. Couldn't recommend them more.