Urgent finance.
Settled with confidence.

In most cases there is no direct cost to you. As a broker we are typically paid by the lender on settlement, and that commission does not increase the cost of your loan. Where a fee applies to a particular product or scenario, Joseph Farhat and his team will tell you before you proceed rather than after. Before we provide credit assistance you will receive our Credit Guide, which sets out how we are paid.

Both commercial and personal. On the commercial side that covers business loans, working capital, invoice finance, ATO and tax debt finance, equipment and asset finance, commercial property, construction and development, bridging, caveat loans, business acquisition, and SMSF lending. On the personal side it covers home loans, car and vehicle finance, personal loans, debt consolidation, renovation finance, equity release, and a range of life-event lending. We work across a panel of 90+ bank, non-bank, and specialist lenders.

Yes, and it is one of the most common situations we handle. Self-employed income is real but rarely presents as two years of clean payslips, and lenders treat it very differently from one another. Alongside full-doc lending we work with low-doc options assessed on BAS, business bank statements, or an accountant declaration. Joseph Farhat and his team will match what you can actually produce to lenders whose policy accepts it.

Yes, we do. Defaults, arrears, or a thin credit file do not rule you out, and it is not something we will make you feel awkward about. A default is simply a missed or late payment that a lender has recorded on your credit file, and it usually dates back to a period you did not plan for, such as an illness, a business downturn, or a separation. It often says very little about what you can comfortably afford today. Several lenders on our panel weigh your current position more heavily than your credit history and will price for the risk rather than decline it. Telling us early lets us approach the right lender first instead of adding enquiries to your file.

It depends entirely on the product. Short-term facilities such as caveat loans and unsecured business or personal lending can often fund within 2 business days. On property-secured lending we work with lenders who can provide finance within the same day where there is clear equity and a credible exit, and the alternative is a mainstream lender requiring a full valuation, which commonly takes two to six weeks. Construction and development finance runs to the project timeline. If you are working to a deadline, say so at the first conversation and Joseph Farhat and his team will tell you honestly whether it is achievable.

No. Settled With Joe is based in Sydney and works with borrowers Australia-wide, across both metro and regional areas, including Melbourne, Brisbane, Perth, Adelaide, and Canberra as well as regional centres such as Newcastle, Wollongong, Geelong, the Gold Coast, the Sunshine Coast, and Toowoomba. Most of the process happens by phone and email, so you do not need to be in Sydney to work with us.

No. We do not guide you on your finances, nor give financial advice. We focus on outcomes and solutions of presenting your unique scenario to the right lender so you can access funding in a timely and compliant manner.