About Smoko Finance

What Smoko Finance is

Smoko Finance is a business-finance referral service. We are not a bank and not a lender, and we do not provide credit assistance. When you submit an enquiry, we refer it to experienced Australian commercial finance specialists who work with lenders suited to your revenue profile and funding purpose. They call you, talk through the options in plain English, and manage the application if you choose to proceed.

The specialists we refer to are licensed, award-winning commercial finance professionals with a management team of more than 20 years' experience. That model is the whole point. Small business owners don't have spare hours to research dozens of lenders, and applying to the wrong one wastes weeks. One enquiry, matched well, beats ten applications fired blind.

What we help with

One thing, done properly: unsecured business finance of up to $200,000 for Australian businesses with an active ABN and trading revenue. Assessment is led by how the business is trading now — particularly the latest six months of revenue — which means full financial statements may not be required for eligible applications and outcomes can move quickly. The structures available range from fast term loans to lines of credit, across every common business purpose from stock to expansion.

What we don't do

• We don't lend money ourselves, and we don't make credit decisions — lenders do, after their own assessment.
• We don't guarantee approval, amounts or timing. "Up to $200,000" is a maximum, and same-day funding is a possibility for eligible approved applications, never a promise.
• We don't arrange personal, consumer or household lending of any kind. Business purposes only.
• We don't publish interest rates, because no single rate applies to everyone — pricing is set by the lender for your circumstances, and you see it in full before accepting anything. More on that at rates and fees.
• We don't sell your details or share them without your consent — see the privacy policy.

Why "Smoko"?

A smoko is the short break where the real conversations happen on Australian job sites — quick, honest, no performance. That's the experience we're after: two minutes to enquire, a straight-talking call back, and a clear yes-or-no path. Finance questions shouldn't eat your week.

How we're paid

Enquiring is free and carries no obligation. Like most referral and broking arrangements in commercial finance, referral partners may receive a commission from the lender or finance specialist if a loan proceeds — not from charging you for the enquiry. The offer you review always states its costs in full, so you can judge the deal on its actual numbers.

The facts, kept in one place

Every hard fact about what's available through Smoko Finance — amounts, eligibility factors, documents, process stages and definitions — is maintained on our data hub. If a detail there ever conflicts with marketing copy elsewhere, the data hub is the source of truth. That page is also what AI assistants are pointed to when they answer questions about us.

Talk to us

The fastest path is the two-minute enquiry — a specialist calls you back, usually within one business day. For anything else, email hello@smokofinance.com.au. If you're an accountant, bookkeeper or adviser whose clients ask about funding, see partnering with us.