Quick answers to common asset finance, insurance, and advisory questions.
Supporting your business, every step.
OnBrand acts as a fully white-labelled extension of your business. We deliver asset finance and general insurance solutions under your brand, so your clients experience seamless, professional service while you retain full ownership of the relationship.
Our team manages the entire process, from application to settlement, with you involved. This model is designed for accountants, financial planners, mortgage brokers, and other professional services businesses who want to expand their offering without taking one additional headcount of compliance obligations.
OnBrand facilitates both secured and unsecured finance for commercial and consumer purposes across a broad panel of lenders.
Our asset finance products include chattel mortgage, finance lease, operating lease, hire purchase, and novated lease - covering vehicles, plant and equipment, machinery, technology, and leisure assets.
We also arrange commercial loans and working capital facilities for SMEs. As an accredited broker aggregated through LMG, we access competitive rates from a wide range of bank and non-bank lenders and tailor each solution to the client's specific circumstances, tax position, and cash flow requirements.
OnBrand Insurance is an Authorised Representative of Metrix Connect Pty Ltd (AFSL 525491), operating under the Insurance Brokers Code of Practice.
We arrange tailored general insurance solutions including business pack, public liability, professional indemnity, directors and officers, business interruption, plant and equipment insurance, landlord insurance, and motor fleet insurance.
All policies are sourced from trusted underwriters and delivered under your brand for a consistent client experience. We provide proactive support through claims management and renewals.
OnBrand works with its referral partners across a broad range of industries including professional services (accounting, legal, medical, dental), construction and trades, transport and logistics, retail, hospitality, and manufacturing.
Our asset finance and insurance solutions are adaptable to all commercial sectors. We work particularly closely with our referral partners - such as accountants, financial planners, mortgage brokers, and specialist consultants - who introduce their clients to our services as part of an integrated offering.
To refer, you first sign up as an OnBrand referral partner through our website. Once onboarded, you can submit referrals via our embedded digital referral form.
We manage the entire process from that point, assessing the client's needs, sourcing the most suitable lender of insurer, handling all paperwork, and, most importantly, keeping you updated throughout. Your client relationship remains fully protected.
OnBrand operates under ACL 558174 and holds appropriate authorisations for the finance and insurance services provided.
OnBrand's advisory team provides hands-on support across business optimisation, strategy development, investment readiness, and mergers and acquisitions (M&A).
Our advisory services include financial modelling, sales process improvement, business intelligence and data analytics, due diligence support, and enterprise value maximisation strategies.
We work directly with business owners to identify growth opportunities, streamline operations, and prepare businesses for key milestones such as capital raising or a sale event.
A chattel mortgage is a common business finance structure where the lender takes a security interest (mortgage) over a moveable asset (the vehicle or equipment), while the borrower takes immediate ownership and use of the asset.
For GST-registered businesses, a chattel mortgage allows you to claim the GST component of the purchase price upfront on your BAS, rather than over the life of the loan. Interest and depreciation are generally tax-deductible. A balloon payment (residual) at the end of the loan term can reduce monthly repayments.
Whether a chattel mortgage is right for your situation depends on your tax position, cash flow, and how you intend to use the asset. OnBrand's brokers assess these factors and compare it against alternatives such as a finance lease or operating lease before recommending the best structure.
OnBrand arranges consumer personal loans across a broad panel of bank and non-bank lenders, achieving approval rates of 90% by matching each applicant to the most suitable lender for their circumstances.
Our consumer lending is commonly used for four key purposes: gap funding to bridge a shortfall when purchasing a home (covering costs such as stamp duty, legal fees, or deposit top-ups); debt consolidation, where multiple existing debts arerolled into a single lower-rate loan to reduce monthly repayments and improve cash flow; home improvement to fund renovations that increase the value of a property; and personal asset purchases including vehciles, leisure equipment, and other major expenditure.
Because we work with multiple lenders rather than a single institution, we can often secure approvals for applications who have been delinced elsewhere. Our streamlined application process is designed for speed, with many approvals completed within 24 to 48 hours. Consumer loans are available as both secured and unsecured facilities depending on the applicant's profile and purpose of funds.
When you go directly to a bank or lender, you are limited to that institution's products, credit policies, and risk appetitie - regardless of whether they are the best fit for your circumstances.
OnBrand operates differently. As an independent asset finance brokerage, we have access to a broad panel of bank and non-bank lenders and can compare products, rates, and credit policies across the entire market to find the solution that genuinely suits the client - not just the one a single lender happens to offer. Because we are not tied to any one product or lender, our recommendations are driven entirely by the client's specific financial position, cash flow requirements, tax situation, and goals.
This independence is core to how we operate. Beyond market access, OnBrand is equally committed to service excellence - we take the time to understand each client's circumstances in full before making any recommendation, andwe remain actively involved from application through to settlement and beyond. Our process is faster, our lender relationships run deep, allowing us to deliver outcomes not availble to the general public.