COMPLEX OR DECLINED VEHICLE & MACHINERY FINANCE? Send it to Bloom.
We specialise in commercial asset finance for Australian ABN holders with bad credit, defaults, low credit scores, bankruptcy, new ABNs, visa restrictions or previous finance declines.
From specialist lenders to Bloom’s own commercial rent-to-own pathway, we look for a practical way forward when standard finance isn’t working.
● Refer in 60 seconds
● 30% commission at settlement
● Your client stays yours
● Complex & declined deals welcome
● White labelling available
You earn
30%
commission at settlement
✓ commission at settlement
✓ No paperwork required from you – just send the referral
✓ We contact your client within the hour
✓ We handle the full application end to end
✓ You are kept in the loop at every step
✓ Your client remains yours for all future needs
✓ Solutions for complex and declined deals
★★★★★ 5-star rated on Google
600+ clients funded
FBAA member
Former Macquarie Bank specialists
The deals bloom is built for
Got a commercial vehicle or machinery deal that doesn’t fit normal lender policy? Don’t write it off.
We specialise in assessing complex commercial finance scenarios and finding a pathway where one genuinely exists.
● Bad credit or previous defaults
● Low credit scores
● Current or discharged bankruptcy
● Previously declined applications
● New ABNs or limited trading history
● ATO debt or payment plans
● Visa holders and temporary residents
● Limited financials or non-standard income
● Complex business or entity structures
We can explore specialist lender options, restructure the transaction where appropriate, or for eligible businesses consider Bloom’s own commercial rent-to-own program.
Who we partner with
Built for Professionals Who Put Their Clients First
If your clients ever need a vehicle or piece of equipment for their business, a referral to Bloom takes 60 seconds and earns you commission at settlement. Here is who we work with most.
Mortgage Brokers
Your clients often need a vehicle or machinery alongside the property they are buying or refinancing. A warm referral to Bloom takes seconds and earns you commission – without any additional work on your end.
Accountants & Financial Advisers
You see your clients full financial picture. When they need equipment or a vehicle financed, you can refer with confidence that we will handle it professionally, keep you in the loop, and never step on your relationship.
Dealerships & Equipment Suppliers
When your customer cannot get approved through manufacturer finance or a bank / in house finance, send them to Bloom. We specialise in complex and bad credit deals that most lenders will not touch – and we move fast so you do not lose the sale.
Finance Brokers
We partner with other vehicle & machinery finance brokers who might no have the depth of lender panel or experience yet in challenging profiles or clients with bad credit history.
Trade Associations & Industry Groups
We work with associations in transport, civil, agriculture, and construction who want to offer a trusted finance referral pathway to their members – including rent-to-own for members who face credit challenges.
General Referral Partners
Anyone who regularly connects with business owners e.g. bookkeepers, insurance brokers, business coaches, solicitors can become a Bloom referral partner. If your clients run businesses, this is for you.
We take the deals others will not.
Whether you are a mortgage broker or a dealer, we can also assist with more complex scenarios, including clients who have been declined elsewhere. These are often the deals that do not get across the line with standard lenders, but with the right approach there is frequently still a path forward. Do not discard these referrals – send them to us.
● Bad credit or past defaults
● New ABNs with limited trading history
● ATO debt or payment plans
● Previously declined applications
● Low-doc & no-doc situations
● Visa holders & temporary residents
Utes, Cars & Vans
Perfect for small business owners or tradespeople needing reliable vehicles for daily operations.
Trucks & Commercial Vehicles
For clients in logistics, construction, and other industries requiring larger or specialised vehicles.
Construction
Excavators, bulldozers, cranes, and other heavy machinery for the construction and mining sectors.
Agriculture
Tractors, harvesters, and farm machinery for clients in agriculture, horticulture, and farming.
Warehouse Equipment
Machinery used for production, packaging, and material handling.
Mining
Drill rigs, dump trucks, crushers and screeners.
Why 80+ Partners Choose Bloom
Our referral partners stick with us because we do what we say, every time.
Fast, hassle-free referral process
Flexible finance solutions with multiple finance pathways
30% referral commission and transparent partnerships
Ongoing support and loyalty for your clients
How It Works
1
Refer Your Client
Send us their details by phone, text, or email – that’s it.
We’ll take care of the rest and always make it clear you referred them.
2
We Assess the Whole Deal
We look at the client’s credit profile, ABN history, asset, income, work source and overall circumstances to understand what is actually possible.
3
We Choose the Right Pathway
That may be a specialist lender, a differently structured transaction, Bloom Rent-to-Own, or sometimes getting the client into a stronger position before proceeding.
We then handle the process from application through to settlement and keep you informed along the way.
4
We Move Quickly
Once we identify the right pathway, we manage the application, documentation and settlement as efficiently as possible, while keeping you and your client informed throughout.
5
You Get Paid – and Keep the Relationship
You earn 30% commission at settlement, and your client stays yours for any future finance needs.
Why refer instead of placing it yourself
When to Send a Deal to Bloom
For mortgage brokers, accountants, and advisers who occasionally place asset finance themselves, here is an honest comparison.
Placing it yourself
✖ Requires active accreditation with each asset finance lender
✖ Complex deals take significant time to structure correctly
✖ Limited panel means your client may not get the best available rate
✖ Declined deals have nowhere to go
✖ Your time is pulled away from your core business
Referring to Bloom
✓ 60-second referral: phone, text, or email
✓ We handle everything – assessment, application, settlement
✓ 40+ lender panel gives your client the best available deal
✓ Complex and declined deals also have a pathway forward
✓ 30% commission paid to you at settlement
