Hey, I'm Hayden.

Are you sick of bank delays, pushy finance offers and buried fees? I get it. You deserve finance that's fast, fair and stress free, not another runaround. That's exactly what I deliver.

I help Australian business owners and individuals secure fast, reliable finance for vehicles, trucks, trailers, machinery and more, without the bank runaround. Based in Echuca, regional Victoria. Servicing clients Australia wide.

Get a Quote Call 0489 030 621
Hayden Gemmill, finance broker at Fund 360
  • 60+ Lenders on panel
  • 30+ Five star reviews
  • $3,100 Average saved per deal vs bank or dealer
  • 93% Approval rate

My story

From the tools to finance.

Before Fund 360, I was a tradie. I spent years on the tools, so I know what it's like to need the right ute, truck or gear to get the job done, and how frustrating it is when finance slows you down.

From there I moved into finance, which has always been my passion. I've been deep in it for the past 10 years, including many years at an established asset finance brokerage, helping clients right across Australia get approved for vehicles, trucks and machinery. I saw first hand how much the right broker can change the outcome, and how often people were let down by slow banks and pushy dealers.

That's why I started Fund 360. I wanted to build a brokerage that does things properly: locally run, one broker from start to finish, and always in your corner.

You're dealing with someone who understands your work and speaks your language, and who'll go to bat for you across 60+ lenders to get the right result.

Why Fund 360 exists

Do these sound familiar?

  • 01

    The dealer wants the sale. The bank wants the loan.

    Nobody in that room is working purely for your best outcome. That's the gap we fill. We work directly for you.

  • 02

    You've only seen one offer, not the whole market.

    You've found the asset, but you're not sure whether the dealer or your bank is actually giving you a competitive deal.

  • 03

    You need an answer quickly.

    You don't want to spend days chasing lenders, paperwork and callbacks while the vehicle or equipment you want is still for sale.

  • 04

    You don't know which finance option actually suits you.

    Chattel mortgage, low doc, novated lease. Pick wrong and it can cost you thousands over the life of the loan.

How we work

Finance that's fast, fair and stress free.

Instead of relying on a single bank's offer, your application is placed in front of a curated panel of over 60 lenders spanning commercial asset finance, car loans and personal loans, giving you genuine competition on rate, structure and approval.

  • One broker, start to finish

    You deal directly with Hayden from first enquiry to settlement. No call centres, no being passed around.

  • Honest and upfront

    Clear explanations, no pressure and no hidden surprises. You'll always know where things stand.

  • Fast, without cutting corners

    Most clients get a response the same day, with most deals fully approved within 24 hours.

  • On your side

    We work for you, not the dealer or the bank, comparing 60+ lenders to find the right fit.

Reviews

What clients say.

A sample of genuine Fund 360 client feedback.

  • Couldn't recommend Hayden enough! He was fantastic throughout the entire process - fast, reliable and thorough with every detail to make sure we achieved the best possible result. One thing we really appreciated was how accommodating Hayden was with our work schedules, often making himself available for chats after hours when needed. What stood out to us most was his honesty. He was always upfront, explained everything clearly and there were no hidden surprises along the way. An absolute pleasure to deal with and someone we would highly recommend to anyone looking for someone reliable and trustworthy. We will definitely be using Hayden for all of our future finance needs.

    Brenden Graham Honest ยท Available after hours

  • I honestly can't recommend Hayden enough, he was absolutely amazing throughout the entire process. Hayden was so patient and took the time to explain everything to a T, making sure I genuinely understood the loan and all the details involved. He was always responsive, easy to reach, and never once made me feel rushed or pressured. What really stood out to me was that at no point did I feel condescended. I felt completely comfortable asking any question, even the ones I thought might be "stupid." He answered everything with such clarity and respect. His candour and professionalism were outstanding, and you can really tell he cares about making sure his clients feel confident and informed. I'm so grateful for his help and wouldn't hesitate to recommend him to anyone looking for loan assistance.

    Christabel Masvosva Clear advice, no pressure

  • Hayden has helped me on numerous occasions and has been very easy to work with. He has made it much easier for myself. His communication is second to none. He has had finance settled within 24 hours at the best rate possible. He has been very professional throughout both applications and I would highly recommend going through Hayden to get exactly what you're after. Will definitely be working with Hayden again.

    Truck Align Pty Ltd Approved in 24 hours

Case studies

Real results for real clients.

Declines, defaults, no deposit, or simply a better deal than the bank. Here's how recent clients got the right result.

Business Ute Finance

Declined twice through the dealership. Approved with a tier 1 lender.

Commercial refrigeration mechanic, running his own business

  • 2 Declines through the dealer
  • Tier 1 Non bank lender approval
  • ABN Self employed trade business

  1. The challenge

    The dealership had already submitted his ute finance application twice, and both times it came back declined.

  2. What we did

    He reached out to Hayden, who reviewed his business and situation and found a lender suited to it.

The result

Approved with a tier 1 non bank lender, after two declines through the dealer.

Business Van Finance

A $12k default removed. $60k approved with no deposit.

Business owner with a $12,000 default on his credit file

  • $12k Default removed, not paid
  • $60k Approved, no deposit or financials
  • $0 Left owing on his old vehicle

  1. The challenge

    A $12,000 default on his credit file was standing in the way, and he had no deposit and no financials to provide.

  2. What we did

    Hayden worked through the default with him and got it removed, without him having to pay the $12,000. Through our sourcing partners, the van was found at a cheaper price than the dealer, with a trade in price that covered his existing loan.

The result

$60,000 of van finance approved with no deposit and no financials, and his old loan cleared by the trade in.

Vehicle Finance

Quoted by his bank. Over $300 a month cheaper with Fund 360.

Client buying a Chevrolet Silverado 2500

  • $300+ Saved per month vs the bank
  • $3.6K+ Saved per year
  • 2500 Silverado financed

  1. The challenge

    He'd been quoted by his bank to finance a Chevrolet Silverado 2500.

  2. What we did

    He filled in the quote form and Hayden got in touch, reviewed his situation and compared lenders to beat the bank's offer.

The result

Beat the bank by over $300 a month on his Silverado 2500.

Been declined or told it's too hard? Every situation is different, so let's talk it through.

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Licensed and accountable

Credit you can trust.

Hayden Gemmill is an authorised credit representative (569499) of Viking Asset Aggregation Pty Ltd, Australian Credit Licence 543046, so every recommendation is made under Australia's responsible lending laws. You'll receive our Credit Guide before we help you with credit, and you always have access to free, independent dispute resolution through AFCA.

Book a call

Talk it through with Hayden.

A free, no obligation chat about what you're financing. Pick a time that suits you, or call now.

Mon to Fri
8am to 5pm
Saturday
By appointment
Call 0489 030 621

Prefer a call back?

Leave your details in the quote form and Hayden will call you at a time that suits.

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