With over 10 years in Australian finance, Vishal founded Uniko Capital on a single conviction, that every Australian deserves finance that works for them, not against them. Every client deals with him personally, from first call to settlement.
Uniko Capital was founded nine years ago after Vishal spent enough time inside the industry to know what was broken. The banks said no to too many good businesses, not because those businesses weren’t creditworthy, but because they didn’t fit the template.
Self-employed operators with irregular income. Owner-drivers with a new ABN and a solid work contract. Construction companies with three great years of revenue and an unusual balance sheet. Seasonal businesses. Tradies who paid themselves differently.
We built Uniko Capital for all of them.
When you enquire with Uniko Capital, you speak to Vishal. A person with industry knowledge, lender relationships, and the ability to structure a deal. We ask questions most lenders don’t bother with: What’s your industry cycle? How do you pay yourself? What does your cash flow look like in the slow months?
Vishal Rupela, Founder & Principal Broker
Broker origination now accounts for a larger share of asset and equipment finance loans than ever before. Non-bank lenders have expanded their appetite, reduced their documentation requirements, and shortened their approval timelines. The result is a market that genuinely works for small business, if you know how to navigate it.
We know how to navigate it. Nine years of it.
Australia's most experienced specialist finance broker for small businesses. We work where banks don't, and we know every lender who does.
Uniko Capital started with one broker, one office, and one belief. Nine years later, the belief hasn’t changed, but the reach has.
Vishal establishes the brokerage with a focus on self-employed borrowers and small business clients the banks routinely declined.
Adds dedicated asset and equipment finance capability. First transport and construction clients financed. Specialist non-bank lender relationships established.
Expanded to serve eastern Melbourne. Commercial property and business finance capabilities added to the product offering.
Brokers added in NSW, QLD, WA, and SA. Uniko Capital now operates in all Australian states, serving clients entirely remotely where needed.
One of Melbourne's most experienced specialist finance brokers. 50+ lenders on panel. Still personal. Still direct. Still Vishal.
No hand-offs. No juniors. From the first call to the settlement confirmation, every client at Uniko Capital deals directly with Vishal.
Industry experience spans home loans, commercial lending, asset finance, and SME business lending across Victoria and nationally.
Deep expertise in the finance scenarios banks find difficult — irregular income, low-doc, ABN lending, and businesses that don't fit a standard template.
Every client is a direct client. Vishal knows your name, your situation, and what matters to you. That's a deliberate practice, not a coincidence.
Mortgage & Finance Association of Australia. Industry code of conduct and professional standards.
Australian Credit Licence issued by ASIC. Legally authorised to provide credit assistance and advice.
Australian Financial Complaints Authority. Independent external dispute resolution for clients.
Legally required to recommend what's right for you, not what earns the highest commission. That's the law.
Our virtual broker network means we handle clients across every Australian state
but we’re always reachable at our Melbourne offices.
You never need to visit an office. Everything from application to settlement is handled by phone, email, and digital document signing. Our team covers VIC, NSW, QLD, WA, and SA, and serves clients in every state.
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.
Tell us what you need and we’ll find the right loan for you.
Most replies within the hour.
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