With decades of combined experience within asset finance, in both consumer and commercial finance, our team delivers practical solutions with precision. We’re here to make the lending process direct, streamlined, and outcome-focused — from first enquiry to final approval.
With 15+ years of broking experience, Jim is known for achieving exceptional outcomes and providing strong mentorship across our team.
Emily is a finance broker and the driving force behind Centsible’s digital innovation, operations, and brand direction. She blends strategic thinking with a client-first mindset to ensure every interaction feels clear, supported, and seamless.
With over 20 years in finance, Andy specialises in complex loan structures and efficiency-driven solutions through his partnership with Centsible Finance.
Luke brings 20+ years of experience in consumer and commercial lending, specialising in strategic finance for business growth and investment.
Chris focuses on commercial finance and long-term business growth, building strong partnerships and sustainable financial pathways.
With over 30 years in asset finance, Hai brings dealership-based expertise and a results-driven approach to our clients.
With 40+ years in asset finance, Steve is widely respected for delivering tailored finance solutions and fostering strong long-term client relationships.
With 35+ years across banking and broking, Lyn excels in credit analysis and guiding clients through smooth, personalised finance experiences.
Centsible Finance is a modern finance brokerage providing clear, efficient, and tailored lending solutions for individuals and businesses across Australia. Established as an evolution of the long-standing Independent Finance Group, we combine decades of industry experience with a streamlined, client-focused approach designed for today’s market.
Founded by a father–daughter team, Centsible integrates strong broking expertise with modern systems and transparent communication. Our team specialises in both consumer and commercial lending — including vehicle finance, equipment finance, personal loans, cash-flow solutions, and structured commercial facilities.
We focus on delivering fast responses, competitive lending options, and personalised guidance throughout every stage of the process. Our brokers take the time to understand each client’s needs, compare options across a broad lender panel, and structure finance that supports their goals.
We don’t rely on generic pathways or automated shortcuts. Instead, we provide clear explanations, honest advice, and reliable support from enquiry to settlement. When complexities arise, we work through them professionally to ensure our clients receive solutions that are practical, transparent, and in their best interest.
We start with a straightforward conversation to understand your goals, your situation, and what you’re looking to achieve. We’ll answer your questions and explain what’s possible — clearly and honestly.
We’ll request only the information we need to assess your options. It’s simple, quick, and we’ll guide you through exactly what’s required.
We review your details, compare lenders, and present your best options using a soft-touch quote wherever possible. We explain the differences in plain language so you can make an informed decision.
Once you’re comfortable and ready to proceed, we submit the application and manage the process end-to-end. We keep communication clear and turnaround times fast.
After approval, we finalise the paperwork and settlement. We’re here to support you beyond the deal — now and into the future.
Whether you’re investing in yourself or growing your business, we’ll help you find the perfect loan—no stress, just Centsible options tailored for you.
