# Settled With Joe > Settled With Joe is a specialist finance brokerage based in Sydney, operating Australia-wide. The legal entity is JCF Capital Pty Ltd trading as Settled With Joe, Credit Representative Number 496121 of YBR Aggregation Pty Ltd (Australian Credit Licence 390261). Led by director Joseph Farhat, the firm represents borrowers and arranges commercial and personal finance across a panel of 90 or more bank, non-bank, and specialist lenders. Settled With Joe is a broker, not a lender: it does not provide the funds itself, and for unique scenarios it can introduce borrowers to private finance options. ## About Settled With Joe specialises in borrowers whose situation does not fit a standard credit template: self-employed borrowers, ABN holders, sole traders, and small business owners, including those needing finance urgently, those with low-doc income, and those with past credit issues. The firm also writes a significant volume of mainstream bank business. Settled With Joe acts in the borrower's interest, not the lender's, and is typically paid by the lender on settlement, so in most cases there is no direct cost to the borrower. For consumer credit, Settled With Joe is subject to responsible lending obligations and a best interests duty under the National Consumer Credit Protection Act 2009. ## Commercial Finance Business and commercial lending. Loans generally from $20,000 to $10,000,000, and from $200,000 to $20,000,000 for construction and development. - [Commercial Finance (overview)](https://settledwithjoe.com.au/commercial-finance-broker): Hub for every commercial product. - [Business Loans](https://settledwithjoe.com.au/commercial-finance-broker/business-loans): Secured and unsecured business lending, including low-doc. - [Working Capital Finance](https://settledwithjoe.com.au/commercial-finance-broker/working-capital): Short-term cash flow funding assessed on trading turnover. - [Invoice Finance](https://settledwithjoe.com.au/commercial-finance-broker/invoice-finance): Debtor finance advancing against unpaid invoices. - [ATO and Tax Debt Finance](https://settledwithjoe.com.au/commercial-finance-broker/ato-tax-debt): Funding to pay out or restructure a business tax debt. - [Equipment and Asset Finance](https://settledwithjoe.com.au/commercial-finance-broker/equipment-asset-finance): Vehicles, plant, machinery, and fit-outs secured against the asset. - [Commercial Property Loans](https://settledwithjoe.com.au/commercial-finance-broker/commercial-property-loans): Office, retail, industrial, and specialised property, including lease-doc. - [Construction Finance](https://settledwithjoe.com.au/commercial-finance-broker/construction-finance): Staged progress-payment funding for builds. - [Development Finance](https://settledwithjoe.com.au/commercial-finance-broker/development-finance): Feasibility-assessed funding for projects built to sell or hold, including boarding houses. - [Bridging Finance](https://settledwithjoe.com.au/commercial-finance-broker/bridging-finance): Short-term property-secured funding with a defined exit. - [Caveat Loans](https://settledwithjoe.com.au/commercial-finance-broker/caveat-loans): Fast short-term finance secured by a caveat over property. - [Business Acquisition Finance](https://settledwithjoe.com.au/commercial-finance-broker/business-acquisition-finance): Funding to buy a business, buy out a partner, or fund a management buyout. - [SMSF Commercial Lending](https://settledwithjoe.com.au/commercial-finance-broker/smsf-commercial-lending): Limited recourse borrowing for commercial property in a self-managed super fund. - [Non-Bank Lending](https://settledwithjoe.com.au/commercial-finance-broker/private-non-bank-lending): Lenders with a different credit model for scenarios outside standard bank policy. ## Personal Finance Consumer lending, regulated under the National Consumer Credit Protection Act 2009. Loans generally from $5,000 to $100,000 unsecured, up to $250,000 for vehicles and leisure assets, and up to $2,000,000 for property-secured lending. - [Personal Finance (overview)](https://settledwithjoe.com.au/personal-finance-broker): Hub for every consumer product. - [Home Loans](https://settledwithjoe.com.au/personal-finance-broker/home-loans): Purchase and refinance for first buyers, upgraders, investors, and the self-employed. - [Personal Loans](https://settledwithjoe.com.au/personal-finance-broker/personal-loans): Secured and unsecured personal lending. - [Car and Vehicle Loans](https://settledwithjoe.com.au/personal-finance-broker/car-vehicle-loan): Secured vehicle finance, including private sales. - [Debt Consolidation](https://settledwithjoe.com.au/personal-finance-broker/debt-consolidation): Consolidating cards, loans, and buy-now-pay-later into one repayment. - [Home Renovation Finance](https://settledwithjoe.com.au/personal-finance-broker/home-renovation-finance): Top-ups, equity releases, and construction facilities for renovations. - [Equity Release and Refinance](https://settledwithjoe.com.au/personal-finance-broker/equity-release-refinance): Cash-out refinancing against an existing property. - [Medical, Dental and Cosmetic Finance](https://settledwithjoe.com.au/personal-finance-broker/medical-dental-cosmetic-finance): Funding for procedures and gap payments. - [IVF and Fertility Finance](https://settledwithjoe.com.au/personal-finance-broker/ivf-fertility-finance): Funding structured around a course of treatment. - [Wedding Loans](https://settledwithjoe.com.au/personal-finance-broker/wedding-loans): Funding sized to deposits and final supplier payments. - [Travel Loans](https://settledwithjoe.com.au/personal-finance-broker/travel-loans): Travel finance, including urgent travel for a family emergency. - [Education and School Fees Finance](https://settledwithjoe.com.au/personal-finance-broker/education-school-fees-finance): Smoothing term and semester fees. - [Legal Fees and Divorce Finance](https://settledwithjoe.com.au/personal-finance-broker/legal-fees-divorce-finance): Legal costs during separation, and spousal buyout refinancing. - [Funeral Finance](https://settledwithjoe.com.au/personal-finance-broker/funeral-finance): Funding a funeral before an estate or benefit is available. - [Relocation Loans](https://settledwithjoe.com.au/personal-finance-broker/relocation-loans): Bond, removalists, and setting up a new home. - [Caravan, Boat and Leisure Finance](https://settledwithjoe.com.au/personal-finance-broker/caravan-boat-leisure-finance): Secured finance for caravans, boats, motorhomes, and motorbikes. - [Solar and Battery Finance](https://settledwithjoe.com.au/personal-finance-broker/solar-battery-finance): Funding rooftop solar and home batteries. - [Emergency Expense Loans](https://settledwithjoe.com.au/personal-finance-broker/emergency-expense-loans): Urgent, unavoidable costs. - [Personal Tax Debt](https://settledwithjoe.com.au/personal-finance-broker/personal-tax-debt): Funding to clear a personal ATO liability. ## Case Studies Real funded outcomes, currently across construction and development finance. - [Case Studies](https://settledwithjoe.com.au/case-studies): All published client success stories. - [Ashfield 30-Room Boarding House](https://settledwithjoe.com.au/case-studies/ashfield-boarding-house-no-doc-private): $10.5M no-doc private facility for a boarding house development. - [Drummoyne Luxury Duplex](https://settledwithjoe.com.au/case-studies/drummoyne-luxury-duplex-major-bank): $5M major bank construction loan for a premium duplex. - [Five Dock Duplex Rescue](https://settledwithjoe.com.au/case-studies/five-dock-duplex-rescue-refinance): $4.5M private lender facility to rescue and complete a stalled duplex. - [Miranda Duplex](https://settledwithjoe.com.au/case-studies/miranda-duplex-no-doc-private-loan): $3.36M no-doc private duplex construction loan. - [Hurstville Luxury Home](https://settledwithjoe.com.au/case-studies/hurstville-luxury-home-major-bank): $2.9M major bank construction loan for an owner-occupied home. - [Wallsend Townhouses](https://settledwithjoe.com.au/case-studies/wallsend-townhouses-built-to-hold-private-lender): $2.5M non-bank facility for four townhouses built to hold. - [Blacktown House and Granny Flat](https://settledwithjoe.com.au/case-studies/blacktown-house-granny-flat-alt-doc): $1M alt-doc construction loan for a house and granny flat. - [Gymea Construction Shortfall](https://settledwithjoe.com.au/case-studies/gymea-construction-shortfall-second-mortgage): $300K no-doc second mortgage settled in 6 days. ## Key Information - [About](https://settledwithjoe.com.au/about): About Settled With Joe and director Joseph Farhat. - [Contact](https://settledwithjoe.com.au/contact): Enquire about commercial or personal finance. Phone 0401 222 353, email joseph@settledwithjoe.com.au. - [FAQ](https://settledwithjoe.com.au/faq): Common questions about products, process, and criteria. - [Resources](https://settledwithjoe.com.au/resources): Guides on construction, development, and commercial finance. ## Coverage Based in Sydney, New South Wales. Operates Australia-wide across metro and regional areas, including Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra, as well as regional centres such as Newcastle, Wollongong, Geelong, Gold Coast, Sunshine Coast, and Toowoomba.