Faster, easier finance.
That's our Angle.
Are you unsure where to start?
Broker Bootcamp
MyHub Menu
Angle Finance
My ETA's
Turnaround times are updated daily. Conditions, resubmissions & returned information will be actioned within 4 hours.
Credit Turnaround Times (Business Hours)
priority assesment
Priority Assessment
?
Assessment time
1 hrs
low-doc-assessment
Low Doc Assessment
?
Assessment time
4 hrs
mid-doc-assesment
Mid Doc Assessment
?
Assessment time
6 hrs
full-doc-assessment
Full Doc Assessment
?
Assessment time
2 days
Settlement Turnaround Times (Business Hours)
Angle Finance
The journey
through
Angle Finance
01
03
hrs
Request for contracts
Turnaround time to generate your customer's Docusign contract.
02
Angle Finance
Contracts sent
03
03
hr
Contracts signed
Turnaround time to finalise settlement.
04
Angle Finance
Remittance sent
05
Angle Finance
Funds arrive next day
Attention! This is
Broker Bootcamp
Navigate the broker business like a pro.
Asset Finance
Why join asset finance?
Home loan brokers in the business
25%
Have diversified into asset finance.
Brokers that join Angle
70%
Have a home loan background.
Number of mortgage brokers also writing commercial loans
Sourced by MFAA In Industry Intelligence Service 15th Edition
3 reasons why you should diversify...
  • #01 | Fast paced industry, providing monthly income to grow your business.
  • #02 | Become a one stop shop for your customer. Don’t lose your customer to another broker.
  • #03 | A new product for lead generation. Cross-sell your customers.
The Foundation
How does it all work?
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How does a commercial chattel mortgage operate?
Security over asset not property.
Fixed loan term.
Customer has ABN
(Asset must be for business purposes)
A low doc assessment uses alternative forms of verification to assess loan suitability. Bank statements or financials are not required.
Low Doc
“That's MAD you're on your way!”
Make sure you collect from your customer:
M
Medicare Card
A
Asset & Liabilities
D
Driver’s License
Bank Statements or Business Financials can be requested for assessment.
Full Doc
Avoid a declined application & ask your customer two questions...
#1 | Do your bank statements display clean conduct?
Clean conduct is defined as no overdraws, dishonours, debt collection payments, super withdrawals or ATO payment arrangements.
#2 | Is your average bank balance over the last 3-6 months 10-20% of the lend size?
Exclude ATO refunds, sale of assets, business loans, PAYG income and directors cash injections from your bank balance.
Credit scoring

Credit scores provide the probability of the customer defaulting.

We use the Veda 1.1 negative score to provide a fast yes or no.

500
Customer score must be over 500 to qualify for a loan
Price Calculation
What is the breakdown?
Explore how everything is calculated below! Simply hover over the dots.
Primary Assets
Chattel Mortgage
Motor vehicle up to 4.5t
Total Finance Amount
$16,950.00
Estimated Monthly Payment
$348 - $389
Once you reach 'review & send' the final monthly repayments will be shown on the screen.
Important information for your customer
On successful approval of the application, the following fees will apply:
    Notify your customer that the establishment fee will be charged on the day of settlement. Ensure your customer has funds in their account and is aware of the payment date.
    Notify your customer an account keeping fee will be charged monthly.
  1. An Establishment Fee of $440.00 will be charged as a separate fee on the day of Settlement.
  2. An Account Keeping Fee of $4.95 will be charged as a separate fee for each Monthly payment.
Let’s start with calculating the loan
$ 20,000.00
$ 5,000.00
A 20% deposit is required if your customer’s ABN is <2 years or they are a non-property owner.
$ 900.00
0-900$ incl. GST
The origination fee is part of your brokerage. The brokerage is capitalised into the loan.
7.00%
or
1050.00$
Broker commission is not included in the interest rate. Select up to 7% brokerage, this will be capitalised into the loan.
Total: $16,950.00
New Lend
3
4
5
In Arrears
In Advance

In Arrears: 1st payment will be made 1 month after settlement.

In Advance: 1st payment will be made at settlement.

0.00%
or
$
Repayment Term36 months 48 months 60 months
Max Balloon 40%40%30%
The Angle Way
How to navigate Angle?
Your customer’s credit score is protected during our application process. No enquiry will be recorded on their credit file. To qualify for an Angle loan, the Veda 1.1 credit score must be over 500.
Your approval email will list credit and settlement conditions. Request all information from your customer to avoid settlement delays.
To make changes to your application, click ‘amend loan details’. Your deal will be automatically updated or sent back to our credit team to review.
If your supplier is not accredited with Angle, our portal will request supporting documents. Please ensure all settlement conditions are uploaded to avoid delays.
Ensure your customer’s e-mail address is unique and only accessible by them.
01
Log into MyAngle
02
Click on MyProducts to start your application
03
When you click ‘review & send’ our portal runs a soft touch on your client’s credit score.
04
You wil receive one of 4 responses:
10 second approval, Low Doc, Full Doc or Not Accepted,
05
You will receive an email advising your deal has been approved or declined
06
Click MyDeals to locate your application. Upload your credit conditions.
07
Request for contracts. Upload invoice & settlement conditions.
08
Docusign contract will be sent to your customer.
09
Notify your customer to sign their contract.
10
Contract signed
11
Remittance sent & funds disbursed next business day.
Top Mistakes
How to avoid newbie errors?
Application
Incorrect asset type
Please search MyHub for assets we finance.
Incorrect brokerage, deposit, balloon or repayment timing entered in portal.
Ensure your draft has all details entered correctly prior to submitting.
Poor quality ID
ID provided must be a high-quality photo of a physical ID card. Digital ID is not accepted.
Credit
Business use of the asset does not align to the nature of business.
Provide clear notes around how the asset will be used and what benefits it brings to the business.
Incorrect trustee information
Ensure your client provides you with details of the correct trustees and beneficial shareholders.
Unacceptable property ownership
Property must be in the name of the borrowing entity, trustee, guarantor or spouse. Spousal property ownership must be evidenced by a marriage certificate, Medicare card or joint utility bill.
Settlement
Incorrect information entered when requesting for contracts.
Ensure details entered into the portal match the details on the supplier invoice. Eg. deposit amount.
Supplier bank proof unacceptable
Supplier bank details must be verified by a legitimate bank deposit slip or bank statement on bank letterhead.
Incorrect residential address provided (Does not match DL)
If the clients residential address does not match the ID provided, it will be a condition to verify their address eg. Utility bill.
The Launch
How to maximise your network?
We show you how to maximise your network and start off strong
We’ll start you off...
Email marketing is one of the most successful tools!
Download our email template for an example on how to launch your new service, including content for you to use!
Keep your customers!
Set your customers up for success by asking the right questions. We’ve made it easy for both parties by providing key interview questions!
Click the arrow to download now!
Sales Tools
Customer Interview Questions
The content on this website does not constitute financial, legal or any other professional advice.
Win More Customers
How to grow your network
Bring on a referral partner
A referral partner will recommend your financial services to their customers in exchange for a referral fee or commission split.
Accountant
Target firms that specialise in services for SME customers.
Lawyer
Target firms that specialise in services for SME customers.
Dealer
Target dealerships with no in-house broker.
How to win a customer against a dealer...
  • #01 | Dealers quote rate only. Educate your customer on repayment amount, term of the loan & balloons.
  • #02 | Work fast & secure an approval. Take advantage of our portal to find out if your customer qualifies for our 10 second approval.
  • #03 | Focus on their long-term business needs. Do they have plans to expand their business, and will they require additional assets?
The content on this website does not constitute financial, legal or any other professional advice.
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