Low-doc loans FAQ: All your questions answeredLow-doc loans are an under-used product that can benefit business owners who may not be approved for traditional finance. Here we answer all your questions about low-doc loans and how you can apply.What is the difference between a regular loan and a low-doc loan?Low-doc loans are a unique lending […]
The 3 Main Reasons Business Loans Are RejectedIf you’ve applied for a business loan through a bank and had the loan rejected, you may feel like this is the end of the line and credit is not an option for you. Luckily, there are hundreds of lenders and products in the market, so just because […]
5 Common Business Loan MistakesAccess to finance is essential for Australian small businesses to grow and thrive in a competitive market. However, not all business loans are the same, and any type of lending should be tailored toward the business’ long term goals and requirements.In this article we look at 5 very common mistakes we […]
3 Good Reasons to Start a FranchiseAccording to data from Griffith University, there were 1,120 franchised brands operating in Australia in 2016, with 90% of those brands originating in Australia. Annual sales turnover in the franchise sector is estimated at $146 billion, so there is huge opportunity for those willing to put in the effort […]
The 4 Major Errors First Time Property Investors MakeMany investors start with the aim of making it big in the real estate world, however only a handful ever make it past their first investment property. At Lendfin, we have helped hundreds of customers buy their first, second, third (and more!) properties, and have a solid […]
How to Prepare for your First Business LoanMaking a financial commitment to your business through a business loan can be a huge leap for small businesses. At Lendfin, we have helped hundreds of small businesses grow by securing the right loan for them. Here are the 5 steps to take to prepare for your first […]
Should You Invest in Property Through Your SMSF?Self Managed Super Funds (SMSFs) are growing in popularity due to increasing competition in the industry and a growing distrust of Australian investment firms. Each year, more than 30,000 funds are established, and there are currently over 600,000 registered SMSFs in Australia. However, there are strict rules and […]
Do Solar Panels Really Save you Money?The benefits of installing solar panels are widely touted by solar companies. They include that solar is a renewable source of energy, reduction of greenhouse gases, low maintenance costs, being at the forefront of energy technology development and, of course, lower energy bills. But is it really cheaper to […]
All You Need to Know About Commercial Construction LoansAll You Need to Know About Commercial Construction LoansAs the name suggests, commercial construction loans are structured specifically for businesses and individuals seeking to construct a property for commercial purposes. They can be a good option for developers looking to build residential homes, duplexes, units, commercial buildings or even […]
5 Questions to Ask Before Taking On a New Home LoanWith hundreds of home loan products available across multiple lenders, it is overwhelming to decide which loan best suits your needs. As mortgage experts, we have plenty of experience guiding our clients through the process of obtaining a new home loan. We work not only […]
Managing Director
After completing a Bachelor of Business Operations Management and working with several banks, Jalil had a vision to open and develop a ‘boutique style’ financial firm. With his vast experience in the finance sector, Jalil wanted to offer customers the opportunity to deal with a team of professionals that are driven and always go over and above to find the most suitable deal for all their clients.
This page provides general information only and has been prepared without taking into
account your objectives, financial situation or needs. We recommend that you consider
whether it is appropriate for your circumstances and your full financial situation will need
to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax
or financial advice and you should always seek professional advice in relation to your individual circumstances.
Senior Commercial Advisor
Omri Zelunzuk is a licensed Business Broker and Real Estate Agent with nearly twenty-five years’ experience in business and the retail industry, ten of which were for the largest privately owned property developer in Australia. In this role, he managed the Commercial and Retail Division for Meriton Apartments, gaining in-depth experience in all aspects of mixed-use developments including concept to completion.
Recipient of the Property Council Academy High Achievers Award 2014 for the Diploma of Asset Management, Omri also has qualifications in Retail Leasing, Centre Management and Marketing, and is passionate about providing people and businesses with solutions.
Senior Commercial Advisor
Joseph is a qualified financial analyst with over 12 years’ experience across several industries including the financial sector, manufacturing, marketing, construction, event management and hospitality. A postgraduate from UNSW, having completed a Bachelor of Commerce (Applied Finance and Actuarial Studies), Joseph commenced work as an analyst for APRA. Joseph then took on a role as a Business Development Manager for an international manufacturing company which set up operations in Dubai to launch across the Middle East. Having proven he was able to establish key relationships with major executives and distributors and drive sales across all service lines, Joseph was promoted to Chief of Operations where he had complete international control. From there Joseph moved onto successfully launching and expanding operations for a raft of start-up companies in both Australia and the Middle East.
Senior Asset Finance Manager
Nayef comes from a strong sales and finance background, having previously worked for Australia’s largest automotive group as a business manager. Nayef has an excellent ability to liaise with lenders to ensure that his clients get the best deal. With over five years of asset finance experience, Nayef has an in-depth understanding of what financial products are available and a great ability in identifying which products will best suit his clients. Nayef works with the philosophy in mind that “It’s not about the first transaction, it’s about every transaction after it!”
Customer Service Manager
With over 15 years’ experience as a Customer Liaison Officer with one of Australia’s leading banks, Carol worked in a fast paced environment, where she guided her team in managing clients’ financial needs. Through this sound management, Carol’s clients were able to achieve their financial goals. Carol’s work ethic is of the highest quality as she performs her duties in the most efficient and customer centric way. She prides herself on keeping her clients informed at every step and goes above and beyond to provide a level of service that is second to none.
Credit Analyst
Emily is studying to be an actuary at the University of NSW. Emily joined the team in 2017 and is hoping to bring more of an analytical edge to Lendfin’s booming business. Emily assists in financing vehicles, equipment and other specialised assets, and currently works alongside the Asset Finance team.
Head of Business Development
Neeru holds a Masters Degree in Finance (Risk Management) and brings to Lendfin years of experience in finance and marketing, in areas ranging from medical, F&B, energy trading, venture capitalist and property development. Neeru’s portfolio comprises of both residential and commercial clients and she specialises in SMSF lending. Neeru is an energetic and enthusiastic member of the team and believes in finding solutions. She works with the same enthusiasm for a multimillion dollar deal as she does when working with a first home buyer. Neeru is passionate about putting the best deals together for her clients.
Administration Manager
Nicole joined Lendfin in 2014 and is responsible for all general administrative operations of the business including compliance, payroll, as well as supporting staff and day to day operations of the office.
Senior Credit Analyst
Senior Business Manager
With over 8 years of experience in the finance industry, Charbel joins Lendfin as a Senior Business Development Manager. He has a deep knowledge of Retail Banking, specialising in lending, and has worked across several business units for the Commonwealth Bank. During his time at CBA, Charbel managed high performing sales teams, managed change throughout the lending business and was a training consultant that delivered training to staff in areas of sales, customer service and leadership, nationally. Charbel is solely focused on assisting clients meet their current and future financial needs.
Head of Asset Finance
Louie specialises in financing vehicle, equipment and specialised assets. Louie joined the Lendfin team in 2016 and has since managed a number of high profile clients and has strong relationships with some of the largest vehicle wholesalers in NSW. Over the last year, Louie has financed luxury cars, boats, earth works machines, medical equipment and laser machines for beauty clinic around Australia.
Senior Asset Finance Manager
Fred Sghaby is a fully qualified finance manager specialising in asset finance, home and investment loans. Fred joined the team in 2015 and since then has proven that customer satisfaction is his number one priority. Fred works tirelessly to find his customers’ the right loan, has developed skills in credit assessment, debt restructuring and has access to a wide range of loan options. Fred is extremely prompt and adheres to deadlines as promised.
Senior Commercial Consultant
David is a seasoned banking and finance specialist with 37 years’ experience with Westpac, where much of this time was spent in various leadership and senior relationship management roles in the SME, Middle Markets and Corporate Markets. His expertise lies in cash flow lending, property finance and lending against specialised assets/businesses, such as hotels and licensed clubs. His role with Lendifn is to assist with the analysis and placement of their larger and more complex transactions. David joined Lendfin as a Senior Consultant.
General Manager
Joseph Alam is the Head of Retail Business at LendFin, and has over ten years’ experience in finance and mortgage broking with the Commonwealth Bank and Bank West. During this time, Joseph managed the team responsible for assisting retail clients obtain home loan credit approval through to settlement. He additionally managed customer grievances for the department, so developed a comprehensive understanding of the variety of challenges faced by retail clients throughout the borrowing process. Joseph’s expertise lies in identifying owner-occupier and investment property opportunities, and designing equity strategies that maximise borrowing capacity and ability to repay debt within the banking framework and regulatory guidelines. He is additionally expert at tailoring professional financial solutions for accountants, lawyers and solicitors specifically. Joseph was awarded Westpac’s Platinum Broker Award, 2014, and was runner up for Young Gun Broker of the Year, 2014.
Managing Director
After completing a Bachelor of Business Operations Management and working with several banks, Jalil had a vision to open and develop a ‘boutique style’ financial firm. With his vast experience in the finance sector, Jalil wanted to offer customers the opportunity to deal with a team of professionals that are driven and always go over and above to find the most suitable deal for all their clients.
This page provides general information only and has been prepared without taking into
account your objectives, financial situation or needs. We recommend that you consider
whether it is appropriate for your circumstances and your full financial situation will need
to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax
or financial advice and you should always seek professional advice in relation to your individual circumstances.
Senior Commercial Advisor
Omri Zelunzuk is a licensed Business Broker and Real Estate Agent with nearly twenty-five years’ experience in business and the retail industry, ten of which were for the largest privately owned property developer in Australia. In this role, he managed the Commercial and Retail Division for Meriton Apartments, gaining in-depth experience in all aspects of mixed-use developments including concept to completion.
Recipient of the Property Council Academy High Achievers Award 2014 for the Diploma of Asset Management, Omri also has qualifications in Retail Leasing, Centre Management and Marketing, and is passionate about providing people and businesses with solutions.
Senior Commercial Advisor
Joseph is a qualified financial analyst with over 12 years’ experience across several industries including the financial sector, manufacturing, marketing, construction, event management and hospitality. A postgraduate from UNSW, having completed a Bachelor of Commerce (Applied Finance and Actuarial Studies), Joseph commenced work as an analyst for APRA. Joseph then took on a role as a Business Development Manager for an international manufacturing company which set up operations in Dubai to launch across the Middle East. Having proven he was able to establish key relationships with major executives and distributors and drive sales across all service lines, Joseph was promoted to Chief of Operations where he had complete international control. From there Joseph moved onto successfully launching and expanding operations for a raft of start-up companies in both Australia and the Middle East.
Senior Asset Finance Manager
Nayef comes from a strong sales and finance background, having previously worked for Australia’s largest automotive group as a business manager. Nayef has an excellent ability to liaise with lenders to ensure that his clients get the best deal. With over five years of asset finance experience, Nayef has an in-depth understanding of what financial products are available and a great ability in identifying which products will best suit his clients. Nayef works with the philosophy in mind that “It’s not about the first transaction, it’s about every transaction after it!”
Customer Service Manager
With over 15 years’ experience as a Customer Liaison Officer with one of Australia’s leading banks, Carol worked in a fast paced environment, where she guided her team in managing clients’ financial needs. Through this sound management, Carol’s clients were able to achieve their financial goals. Carol’s work ethic is of the highest quality as she performs her duties in the most efficient and customer centric way. She prides herself on keeping her clients informed at every step and goes above and beyond to provide a level of service that is second to none.
Credit Analyst
Emily is studying to be an actuary at the University of NSW. Emily joined the team in 2017 and is hoping to bring more of an analytical edge to Lendfin’s booming business. Emily assists in financing vehicles, equipment and other specialised assets, and currently works alongside the Asset Finance team.
Head of Business Development
Neeru holds a Masters Degree in Finance (Risk Management) and brings to Lendfin years of experience in finance and marketing, in areas ranging from medical, F&B, energy trading, venture capitalist and property development. Neeru’s portfolio comprises of both residential and commercial clients and she specialises in SMSF lending. Neeru is an energetic and enthusiastic member of the team and believes in finding solutions. She works with the same enthusiasm for a multimillion dollar deal as she does when working with a first home buyer. Neeru is passionate about putting the best deals together for her clients.
Administration Manager
Nicole joined Lendfin in 2014 and is responsible for all general administrative operations of the business including compliance, payroll, as well as supporting staff and day to day operations of the office.
Senior Credit Analyst
Senior Business Manager
With over 8 years of experience in the finance industry, Charbel joins Lendfin as a Senior Business Development Manager. He has a deep knowledge of Retail Banking, specialising in lending, and has worked across several business units for the Commonwealth Bank. During his time at CBA, Charbel managed high performing sales teams, managed change throughout the lending business and was a training consultant that delivered training to staff in areas of sales, customer service and leadership, nationally. Charbel is solely focused on assisting clients meet their current and future financial needs.
Head of Asset Finance
Louie specialises in financing vehicle, equipment and specialised assets. Louie joined the Lendfin team in 2016 and has since managed a number of high profile clients and has strong relationships with some of the largest vehicle wholesalers in NSW. Over the last year, Louie has financed luxury cars, boats, earth works machines, medical equipment and laser machines for beauty clinic around Australia.
Senior Asset Finance Manager
Fred Sghaby is a fully qualified finance manager specialising in asset finance, home and investment loans. Fred joined the team in 2015 and since then has proven that customer satisfaction is his number one priority. Fred works tirelessly to find his customers’ the right loan, has developed skills in credit assessment, debt restructuring and has access to a wide range of loan options. Fred is extremely prompt and adheres to deadlines as promised.
Senior Commercial Consultant
David is a seasoned banking and finance specialist with 37 years’ experience with Westpac, where much of this time was spent in various leadership and senior relationship management roles in the SME, Middle Markets and Corporate Markets. His expertise lies in cash flow lending, property finance and lending against specialised assets/businesses, such as hotels and licensed clubs. His role with Lendifn is to assist with the analysis and placement of their larger and more complex transactions. David joined Lendfin as a Senior Consultant.
General Manager
Joseph Alam is the Head of Retail Business at LendFin, and has over ten years’ experience in finance and mortgage broking with the Commonwealth Bank and Bank West. During this time, Joseph managed the team responsible for assisting retail clients obtain home loan credit approval through to settlement. He additionally managed customer grievances for the department, so developed a comprehensive understanding of the variety of challenges faced by retail clients throughout the borrowing process. Joseph’s expertise lies in identifying owner-occupier and investment property opportunities, and designing equity strategies that maximise borrowing capacity and ability to repay debt within the banking framework and regulatory guidelines. He is additionally expert at tailoring professional financial solutions for accountants, lawyers and solicitors specifically. Joseph was awarded Westpac’s Platinum Broker Award, 2014, and was runner up for Young Gun Broker of the Year, 2014.
Managing Director
After completing a Bachelor of Business Operations Management and working with several banks, Jalil had a vision to open and develop a ‘boutique style’ financial firm. With his vast experience in the finance sector, Jalil wanted to offer customers the opportunity to deal with a team of professionals that are driven and always go over and above to find the most suitable deal for all their clients.
This page provides general information only and has been prepared without taking into
account your objectives, financial situation or needs. We recommend that you consider
whether it is appropriate for your circumstances and your full financial situation will need
to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax
or financial advice and you should always seek professional advice in relation to your individual circumstances.
Senior Commercial Advisor
Omri Zelunzuk is a licensed Business Broker and Real Estate Agent with nearly twenty-five years’ experience in business and the retail industry, ten of which were for the largest privately owned property developer in Australia. In this role, he managed the Commercial and Retail Division for Meriton Apartments, gaining in-depth experience in all aspects of mixed-use developments including concept to completion.
Recipient of the Property Council Academy High Achievers Award 2014 for the Diploma of Asset Management, Omri also has qualifications in Retail Leasing, Centre Management and Marketing, and is passionate about providing people and businesses with solutions.
Senior Commercial Advisor
Joseph is a qualified financial analyst with over 12 years’ experience across several industries including the financial sector, manufacturing, marketing, construction, event management and hospitality. A postgraduate from UNSW, having completed a Bachelor of Commerce (Applied Finance and Actuarial Studies), Joseph commenced work as an analyst for APRA. Joseph then took on a role as a Business Development Manager for an international manufacturing company which set up operations in Dubai to launch across the Middle East. Having proven he was able to establish key relationships with major executives and distributors and drive sales across all service lines, Joseph was promoted to Chief of Operations where he had complete international control. From there Joseph moved onto successfully launching and expanding operations for a raft of start-up companies in both Australia and the Middle East.
Senior Asset Finance Manager
Nayef comes from a strong sales and finance background, having previously worked for Australia’s largest automotive group as a business manager. Nayef has an excellent ability to liaise with lenders to ensure that his clients get the best deal. With over five years of asset finance experience, Nayef has an in-depth understanding of what financial products are available and a great ability in identifying which products will best suit his clients. Nayef works with the philosophy in mind that “It’s not about the first transaction, it’s about every transaction after it!”
Customer Service Manager
With over 15 years’ experience as a Customer Liaison Officer with one of Australia’s leading banks, Carol worked in a fast paced environment, where she guided her team in managing clients’ financial needs. Through this sound management, Carol’s clients were able to achieve their financial goals. Carol’s work ethic is of the highest quality as she performs her duties in the most efficient and customer centric way. She prides herself on keeping her clients informed at every step and goes above and beyond to provide a level of service that is second to none.
Credit Analyst
Emily is studying to be an actuary at the University of NSW. Emily joined the team in 2017 and is hoping to bring more of an analytical edge to Lendfin’s booming business. Emily assists in financing vehicles, equipment and other specialised assets, and currently works alongside the Asset Finance team.
Head of Business Development
Neeru holds a Masters Degree in Finance (Risk Management) and brings to Lendfin years of experience in finance and marketing, in areas ranging from medical, F&B, energy trading, venture capitalist and property development. Neeru’s portfolio comprises of both residential and commercial clients and she specialises in SMSF lending. Neeru is an energetic and enthusiastic member of the team and believes in finding solutions. She works with the same enthusiasm for a multimillion dollar deal as she does when working with a first home buyer. Neeru is passionate about putting the best deals together for her clients.
Administration Manager
Nicole joined Lendfin in 2014 and is responsible for all general administrative operations of the business including compliance, payroll, as well as supporting staff and day to day operations of the office.
Senior Credit Analyst
Senior Business Manager
With over 8 years of experience in the finance industry, Charbel joins Lendfin as a Senior Business Development Manager. He has a deep knowledge of Retail Banking, specialising in lending, and has worked across several business units for the Commonwealth Bank. During his time at CBA, Charbel managed high performing sales teams, managed change throughout the lending business and was a training consultant that delivered training to staff in areas of sales, customer service and leadership, nationally. Charbel is solely focused on assisting clients meet their current and future financial needs.
Head of Asset Finance
Louie specialises in financing vehicle, equipment and specialised assets. Louie joined the Lendfin team in 2016 and has since managed a number of high profile clients and has strong relationships with some of the largest vehicle wholesalers in NSW. Over the last year, Louie has financed luxury cars, boats, earth works machines, medical equipment and laser machines for beauty clinic around Australia.
Senior Asset Finance Manager
Fred Sghaby is a fully qualified finance manager specialising in asset finance, home and investment loans. Fred joined the team in 2015 and since then has proven that customer satisfaction is his number one priority. Fred works tirelessly to find his customers’ the right loan, has developed skills in credit assessment, debt restructuring and has access to a wide range of loan options. Fred is extremely prompt and adheres to deadlines as promised.
Senior Commercial Consultant
David is a seasoned banking and finance specialist with 37 years’ experience with Westpac, where much of this time was spent in various leadership and senior relationship management roles in the SME, Middle Markets and Corporate Markets. His expertise lies in cash flow lending, property finance and lending against specialised assets/businesses, such as hotels and licensed clubs. His role with Lendifn is to assist with the analysis and placement of their larger and more complex transactions. David joined Lendfin as a Senior Consultant.
General Manager
Joseph Alam is the Head of Retail Business at LendFin, and has over ten years’ experience in finance and mortgage broking with the Commonwealth Bank and Bank West. During this time, Joseph managed the team responsible for assisting retail clients obtain home loan credit approval through to settlement. He additionally managed customer grievances for the department, so developed a comprehensive understanding of the variety of challenges faced by retail clients throughout the borrowing process. Joseph’s expertise lies in identifying owner-occupier and investment property opportunities, and designing equity strategies that maximise borrowing capacity and ability to repay debt within the banking framework and regulatory guidelines. He is additionally expert at tailoring professional financial solutions for accountants, lawyers and solicitors specifically. Joseph was awarded Westpac’s Platinum Broker Award, 2014, and was runner up for Young Gun Broker of the Year, 2014.
