Fund the assets that
grow your business
We help Australian businesses apply for finance for vehicles, equipment, and commercial assets—comparing a panel of 50+ lenders for flexible structures and repayments designed around your cash flow.
Approval, rates, terms and timeframes depend on your circumstances and lender assessment. This is general information only, not an offer of finance.
Independent Broker
Access to 50+ Australian Lenders
Through our aggregator Fintelligence, we work with Australia's leading consumer and commercial lenders—giving you more options and the chance to compare competitive terms.
Plus many more specialist lenders for unique circumstances
Broker Advocacy
We negotiate on your behalf, present your case strongly, and push for better terms.
Direct Lender Access
Banks, non-banks, specialist lenders—we match you with the right option from our extensive panel.
Tailored Structuring
Balloon payments, seasonal terms, fixed or variable—structured around your cash flow.
What We Fund
Finance for the assets that drive your business forward
Whether you need one vehicle or a full equipment lineup, we structure finance that protects your cash flow and keeps capital working in your business.
Vehicle Finance
Utes, trucks, vans, fleet vehicles — keep your business moving without tying up working capital.
- Commercial vehicles
- Fleet purchases
- Light & heavy vehicles
Equipment Finance
From tools to tech, fund the equipment that makes your operations more efficient.
- Construction equipment
- Trade tools
- Technology & IT
Machinery Finance
Heavy machinery for construction, agriculture, and manufacturing — funded to grow your capacity.
- Manufacturing machinery
- Agricultural equipment
- Industrial assets
Fit-Out Finance
Retail, hospitality, office fit-outs — get your premises working without draining reserves.
- Retail fit-outs
- Hospitality builds
- Office refurbishments
Commercial Lending
Property-secured lending for business purposes, expansion, or strategic acquisitions.
- Commercial property
- Business expansion
- Acquisition finance
Working Capital
Cashflow solutions to bridge gaps, fund growth, or manage seasonal demands.
- Invoice finance
- Business overdrafts
- Line of credit
Our Approach
Finance built around how businesses actually work
Growth
Fund the assets that let you take more jobs
Business growth often depends on capacity—more vehicles, better equipment, upgraded machinery. We structure finance so you can say yes to opportunities without waiting until you have cash sitting idle.
- Take on bigger contracts with the right equipment
- Scale your fleet as demand grows
- Reduce downtime with newer, more reliable assets
Cash Flow
Repayments structured around your cash cycle
Cash flow is the lifeblood of any business. We help arrange repayment structures that work with your income patterns—seasonal adjustments, balloon payments, or terms designed to ease pressure in the early stages. Available structures depend on the lender and your circumstances.
- Seasonal payment structures for variable income
- Balloon payments to reduce monthly outgoings
- Terms matched to asset useful life
Continuity
A broker relationship that grows with your business
We work with clients over time, not just for one deal. As your business evolves, your finance needs change—new assets, refinancing, restructuring. Having a broker who knows your history makes each transaction smoother.
- Long-term relationship, not just transactional
- Finance strategy aligned with business plans
- A smoother process because we know your history
Why Padayon Capital
Why use a broker instead of going direct?
Going to your bank might seem simple, but it limits your options to one lender's products and credit appetite. A broker finds better fits, faster.
24–48hrs
Common approval timeframe*
50+
Lender panel
$0
Upfront cost to you†
1-on-1
Direct broker service
*Indicative only. Approval, rates, terms and timeframes depend on your circumstances and lender assessment, and are not guaranteed. †In most cases we're paid by the lender on settlement, so there's no cost to you. Some complex or commercial deals may involve a broker fee, which we'll always discuss upfront.
Responsive Process
Banks can take weeks. We know which lenders suit your situation and present your application clearly to help it move faster.
More Options
Going direct means one lender, one answer. We compare a panel of 50+ lenders to find better rates and structures.
Tailored Structures
Balloon payments, seasonal terms, chattel mortgage vs lease—we match the structure to your business.
Less Paperwork
We handle applications, documentation, and follow-ups. You provide the basics, we do the legwork.
Broker Advocacy
When applications need a push, we present your case to credit teams and negotiate on your behalf.
Commercial Understanding
We speak business, not bank. We understand cash flow, seasonal patterns, and growth challenges.
How It Works
A straightforward process, start to finish
No endless forms, no being bounced between departments. One point of contact, clear communication, fast results.
Tell us what you need
A quick conversation or form submission. What asset, how much, and any timing constraints. No paperwork at this stage.
5 minute conversation
We assess your options
We review your situation, match you with suitable lenders, and come back with options and indicative terms.
Usually same day
We structure and submit
Once you choose a direction, we prepare applications, present your case, and manage the approval process.
We handle the paperwork
You get funded
Funds settle, you take delivery of your asset, and get back to running your business with the right equipment in place.
Often within 48 hours
About Padayon Capital
Helping Australian businesses secure the assets they need to grow
Padayon Capital was built to help Australian business owners secure the vehicles, equipment and funding they need to grow—without putting unnecessary pressure on cash flow. We believe productive debt, when structured properly, can help a business take on more work, reduce downtime and move forward with more confidence. The business is led by two partners who bring finance qualifications together with real-world experience across healthcare, business and client service.
Meet the Directors
The team behind Padayon Capital
Angelito Hidalgo
Managing Director & Lead Broker
“My job is to understand your business, find the right finance, and get it done without wasting your time.”
Angelito Hidalgo is the Managing Director and Lead Broker at Padayon Capital. Angelito brings a combination of formal finance education, broking qualifications and hands-on industry experience that allows him to look at finance not just as a transaction, but as a practical business tool.
He holds a Bachelor of Business majoring in Financial Planning from Swinburne University, along with a Diploma of Finance and Mortgage Broking Management and a Cert IV in Finance and Mortgage Broking. That background supports a more thoughtful approach to asset finance—one that considers structure, cash flow, business goals and long-term fit, not just whether a deal can be pushed through quickly.
Angelito works with small and medium businesses seeking finance for vehicles, equipment, machinery, fit-out and broader business needs. His focus is on making the process clear, efficient and commercially sensible, while helping clients access solutions that support growth and continuity over time.
Qualifications
Robert Ortega
Director of Partnerships & Client Growth
“I've worked in theatres and on the shop floor—I know what it's like to need the right gear at the right time.”
Robert Ortega is the Director of Partnerships & Client Growth at Padayon Capital, running the business alongside Angelito. Robert holds a Cert IV in Finance and Mortgage Broking, and pairs it with a Bachelor of Business from RMIT University—giving him a strong grounding in the commercial and financial side of every deal.
Before finance, Robert spent years in healthcare as an operating theatre technician, working in high-pressure environments where preparation, precision and clear communication are everything. It is experience that translates directly to asset finance—he understands how busy operators actually work, what equipment costs, and why timing matters when a deal needs to move.
He also brings a background in retail management and team leadership, which sharpened his eye for numbers, service and getting outcomes across the line. For clients, that means a broker who listens carefully, keeps things moving, and makes sure the finance fits the way you run your business.
Qualifications
FAQs
Common questions from business owners
Get in Touch
Ready to discuss your finance needs?
Whether you have a specific asset in mind or want to discuss options, we're here to help. No obligation, no pressure—just straightforward advice.
Prefer to talk it through?
Book a free, no-obligation call at a time that suits you.
Your information is secure. We only use your details to discuss your finance enquiry. No spam, no selling your data.
Start your finance enquiry
Tell us the essentials in under a minute. A broker will call to understand what you need, then compare suitable lenders from our panel and guide you through a formal application.
- Takes under a minute
- Access to 50+ lenders
- No obligation
Enquiry only, not an application or offer of finance. Approval, rates, terms and timeframes depend on your circumstances and lender assessment.