# NIK Finance
> Australia's smartest loan marketplace. Get matched with 130+ lenders for car loans, home loans, personal and business finance. Free service, fast approval.

Canonical page: https://partners.simprogroup.com/partners/nik-finance
Marketplace: Simpro Partner Directory
Last updated: 2026-07-29
Logo: https://assets.partnerfleet.app/k7yb6awse5zcz10pwtitycuraa6h

## At a glance
- Endorsements: Digital Forms, Financial Processes
- Regions Served: Australia
- Services Offered: Implementation / Professional Services, Other
- Partner Tier: Registered
- Industry Specialization: Electric, Security / Fire / Low-Voltage, HVAC-R, Plumbing, Solar, Other
- Website: [www.nik.finance](https://www.nik.finance)

## Call to actions
- [Get In Touch](https://Get In Touch)
- [Start application](https://app.middle.finance/ref/7d27aec6-deb1-4e44-8bd8-85f8f8aecff3)

## About
NIK Finance is dedicated to providing fast, reliable, and tailored financial solutions that simplify the loan acquisition process. Whether you are refinancing your home loan, investing in a property, purchasing a vehicle, or exploring personal financing options, NIK Finance ensures a stress-free experience. With access to over 3,000 home loan solutions from a diverse panel of more than 130 lenders, the brand offers expert guidance and personalised service to secure the best loan for your specific needs. Their services encompass owner-occupied and investment home loans, flexible car loans, and ongoing loan reviews to help clients consistently access the most competitive rates and terms available. The application process is straightforward, involving three essential steps: an initial loan application, assistance with approval and settlement, and regular follow-ups to ensure continued optimal financing conditions. NIK Finance is committed to empowering your financial goals with transparency and efficiency, making it the ideal partner for all your loan needs.

## Services
- **Unsecured Personal Loans** — Fast finance with no asset required. Ideal for jobs from $5,000 to $100,000 where the customer wants to keep it simple. Fully digital application, approvals typically same day, funds available quickly so work can start.
- **Secured Personal Loans** — Lower rates for customers happy to secure the loan against a vehicle or other asset. Suits larger jobs where the customer is rate sensitive and wants the cheapest monthly repayment available.
- **Green and Home Improvement Finance** — Purpose built lending for solar, batteries, heat pumps, pools, landscaping and renovations. Competitive green rates from specialist lenders, with terms designed so energy savings often offset the repayment from day one.
- **Commercial and Business Loans** — Working capital, expansion, fit outs and cash flow funding for trade businesses. Available to sole traders through to established companies, with low doc options for businesses without full financials ready.
- **Equipment and Asset Finance** — Finance for tools, machinery, plant and technology. Chattel mortgage, lease and rent to own structures available, with potential tax benefits for the business. New and used equipment considered.
- **Home Loans, Owner Occupied** — Purchases, upgrades and first home buyers. Access to major banks, non banks and credit unions with rates compared across the full panel, so the customer sees genuine options rather than one lender's offer.
- **Home Loans, Investment** — Investment property purchases and portfolio growth, including interest only structures, equity release and multiple property lending. Suited to customers building a portfolio or unlocking equity to fund a project.
- **Refinancing and Debt Consolidation** — Review an existing home loan for a better rate, or roll multiple debts into one manageable repayment. Often frees up monthly cash flow, which can fund the job the customer is quoting on right now.
- **Construction and Renovation Lending** — Progress payment lending for knock down rebuilds, major renovations and owner builder projects. Drawdowns aligned to build stages so funds are released as the work is completed.
- **Bridging and Short Term Finance** — Short term funding to cover a gap between buying and selling, or to move quickly on an opportunity. Useful for customers who have equity but need time before longer term finance is in place.
- **SMSF and Specialised Lending** — Self managed super fund property purchases, trust structures and complex scenarios that mainstream lenders decline. Access to specialist lenders who assess on merit rather than a rigid credit box.

## Team
- **Amir Nikibin — Founder**

## Resources
- [Partner with NIK Finance and win more jobs](https://www.nik.finance/new-partner/simpro) — You've been invited through Simpro to become a NIK Finance referral partner. Simpro runs every job from estimate to invoice. We make sure your customers can say yes to the quote. Offer AI-matched finance across 130+ lenders and earn on every settlement.
- [NIK Finance](https://www.nik.finance/)

## FAQs
### How much does it cost to use NIK Finance?
Nothing. It is free to list, free to refer, and there are no merchant fees. Nothing is added to your quote and nothing comes out of your margin. Your customer pays no establishment, ongoing or early exit fees on most of the lenders we place with.

### How long does it take my customer to get approved?
The application takes around 15 minutes and is done entirely online, usually on their phone. Approvals typically come back the same day, and settlement is often same day too, so you are not waiting weeks to start the job.

### What size jobs can be financed?
Anything from a few thousand dollars up to major projects. We regularly finance solar, batteries, pools, landscaping, renovations and large installs. Our lender panel covers the full range including seven figure jobs.

### Can NIK Finance help my own business, not just my customers?
Yes. We do commercial and equipment finance for trade businesses, vehicle and fleet finance, and home loans or refinancing for you personally. One partner covers your customer's job and your own business needs.