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HomeNewsNewsWhy Most “Finance Experts” Are Full of It (And What Business Owners Actually Need)

Why Most “Finance Experts” Are Full of It (And What Business Owners Actually Need)

Let’s get one thing straight — not every finance broker is created equal.

We’ve all seen them. The self-proclaimed “money gurus” on TikTok or LinkedIn, spouting off generic advice like:

“Just build your credit score and the loans will come!”

Mate… tell that to a business owner with tax debt, inconsistent cash flow, and a couple of rejected applications under their belt.

The truth? The finance industry is full of fluff, and business owners are sick of it.

Real Talk: Business Owners Don’t Want Buzzwords — They Want Outcomes

If you’re running a business, you don’t have time for someone to talk in circles about “leveraging capital efficiencies.”

You want to know:

  • Can I get approved?

  • How fast can the funds land?

  • What’s the catch?

And that’s exactly what most brokers and banks don’t deliver — straight answers, quick solutions, and actual support.

AI, Algorithms & Automation Are Cool… But Useless Without Context

We’re all for innovation. At Lyft Money, we use automation and AI to speed things up.

But here’s what the fintech platforms won’t tell you:
They only work for people who already tick every box.

Got an ABN but only 6 months in? No dice.
Got a solid business but a shaky credit file? Sorry, try again.
Need something outside the box? Computer says no.

That’s where a real broker comes in. One that actually gives a sh*t.

Here’s the Most Unpopular Truth in Finance:

The biggest lenders don’t always offer the best deals.

Crazy, right? But it’s true.
Everyone wants to go with the big names because it feels safer — but they often have the slowest turnaround times, strictest criteria, and lowest approval rates for small businesses.

Meanwhile, there are dozens of lesser-known, lender-backed options that:

  • Say yes quicker

  • Offer competitive rates

  • Actually want to support Aussie businesses

But you won’t find them on a comparison site — and they definitely won’t slide into your DMs.

Stop Applying Blindly — It’s Wrecking Your Credit

Here’s another truth bomb:
Every time you apply online without knowing your eligibility, you’re taking a hit.

Multiple enquiries = lower credit score = fewer approvals = higher rates.

It’s a vicious cycle — and the system is designed that way.
But with the right broker (hint: that’s us), we check the lenders before they check you. So you only apply where you actually stand a chance.

We’re Not Here to Sell Dreams — We’re Here to Fund Reality

At Lyft Money, we don’t wear suits and pretend to be something we’re not.
We’re here to:

  • Help tradies buy new utes

  • Get cafes approved for working capital

  • Fund equipment for growing businesses

  • And stop people from getting stitched up by banks or cowboys

No BS. No fluff. Just straight-up finance that works.

Ready to Work With a Real Broker?

We’re not your average brokerage — and we’re proud of that. If you’re tired of wasting time, getting knocked back, or dealing with brokers who talk in circles… Let’s have a real conversation.

Contact us now and let’s get your business funded — properly.

Get a Quote

Looking for the best rates on your business loan?

Lyft Money has you covered! Our simple quote process makes it easier than ever to secure the funding you need to grow your business.

Complete the form to get a quote. One of our specialist brokers will be in touch within 24 hours to discuss your options.