Home loans, car & truck, business and asset finance. We compare 30+ lenders to find your right deal, fast, personal, and entirely free to you.
500+ Australians trust Uniko
4.9/5 average rating
We compare our full lender panel for each product, you get the best deal without doing the legwork.
First home, refinance, investment, construction. Australia-wide. ✓ Self-employed friendly ✓ Low-doc options available ✓ 30+ lenders compared Learn More →
Personal & commercial vehicles, new or used, dealer or private sale. ✓ 24-hour approvals ✓ 1-day ABN welcome ✓ Trucks up to 25 years Learn More →
Working capital, trade finance, overdraft and growth capital. ✓ Unsecured to $500k ✓ Same-week funding ✓ Bank-declined OK Learn More →
Excavators, machinery, medical, agricultural, solar, anything. ✓ Chattel mortgage ✓ Low-doc structures ✓ Tax-effective Learn More →
Buy your premises, refinance, develop, or invest through SMSF. ✓ Up to 80% LVR ✓ SMSF specialists ✓ Private credit access Learn More →
Consolidation, renovation, medical, car (personal use), travel. ✓ $2k to $50k ✓ Same-day approval ✓ Bad credit options Learn More →
No jargon. No queues.
Just a straight process built around your timeline.
Quick call or 60-second form. No credit check at this stage, we just want to understand what you really need.
We search 30+ lenders, compare rates and terms, and present you with the strongest options clearly explained.
We handle every piece of paperwork and lender communication. Most clients are conditionally approved within 24–48 hours.
Four things that make us different from walking into
a bank, and from every other broker.
We’ve helped over 500 Australians get the finance their bank wouldn’t approve. With access to 30+ lenders and 9 years of relationships, we know exactly which lender will say yes, and how to get the best terms when they do.
You deal directly with Vishal not a junior, not an offshore team. He knows your name, your situation, your goals.
Most clients hear back within 24 hours. We qualify your situation with the right lender before submitting, no wasted enquiries.
Banks, non-banks, specialist lenders, we compare the full market. More options means a better outcome for you.
Our service is free. Lenders pay us after settlement. Your best deal is our only goal, and our paycheck.
We’re not tied to any bank. We compare the full market, major banks,
specialist lenders, and non-bank lenders, to find the right fit.
Not just reviews, full stories from people who
came to us when the banks said no.
Knocked back twice by my bank. Vishal found me a lender and had approval in 36 hours. I genuinely didn't think it was possible.
Needed two trucks to take on a new contract. Uniko had both settled in under a week. Couldn't have grown the business without them.
Refinanced my home and sorted equipment finance at the same time. Saved $380 a month and freed up cash for the business growth.
With over 10 years in the Australian finance industry, Vishal founded Uniko Capital on a single belief, every Australian deserves finance that works for them, not against them.
He has personally helped hundreds of clients across Melbourne and beyond secure home loans, vehicle finance, business lending and asset finance. His approach is simple: understand your situation, find the right deal, and make the process painless. You deal with him directly, from first call to settlement.
All the questions Australians have before applying for a loan, answered honestly.
Call Vishal directly or send a message, most replies within the hour. Ask a question →
We act as the intermediary between you and the lender. We assess your situation, search our panel of 30+ lenders, recommend the strongest options, and handle all paperwork and communication through to settlement. You get the lender’s loan at the lender’s rate, with someone in your corner.
We act as the intermediary between you and the lender. We assess your situation, search our panel of 30+ lenders, recommend the strongest options, and handle all paperwork and communication through to settlement. You get the lender’s loan at the lender’s rate, with someone in your corner.
We act as the intermediary between you and the lender. We assess your situation, search our panel of 30+ lenders, recommend the strongest options, and handle all paperwork and communication through to settlement. You get the lender’s loan at the lender’s rate, with someone in your corner.
We act as the intermediary between you and the lender. We assess your situation, search our panel of 30+ lenders, recommend the strongest options, and handle all paperwork and communication through to settlement. You get the lender’s loan at the lender’s rate, with someone in your corner.
We act as the intermediary between you and the lender. We assess your situation, search our panel of 30+ lenders, recommend the strongest options, and handle all paperwork and communication through to settlement. You get the lender’s loan at the lender’s rate, with someone in your corner.
We act as the intermediary between you and the lender. We assess your situation, search our panel of 30+ lenders, recommend the strongest options, and handle all paperwork and communication through to settlement. You get the lender’s loan at the lender’s rate, with someone in your corner.
Are you an accountant, real estate agent, financial planner or conveyancer? Add a trusted lending specialist to your client offering. We pay referral fees and keep your clients happy, your name stays on every great outcome.
Refer SME clients needing business, asset or equipment finance
Connect buyers who need pre-approval or home finance
Property clients needing broker support through settlement
Clients needing SMSF, investment or home loan structuring
Tell us what you need and we’ll find the right loan for you.
Most replies within the hour.
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