Asset finance broker helping clients across Australia with car, lifestyle and business lending.
Loan Scenarios is an Australian asset finance brokerage built around one approach, to structure the right deal, not just place the loan.
Based in Melbourne & regional VIC we work with clients across Australia, taking a hands-on, scenario-first approach to deliver lending solutions that align with real-world outcomes, not just lender criteria.
From the founder
I’m Rik Bradshaw, founder of Loan Scenarios.
With over 25 years in automotive and commercial lending, I’ve worked across both sides of the industry, including senior roles supporting brokers and finance teams with complex deals that didn’t fit standard lending criteria.
The most common question I heard was simple:
“Can you help me get this approved?”
That experience shaped how I approach every deal today. The best outcomes don’t come from pushing a product, they come from fully understanding the client’s situation first, then structuring the right solution around it.
Loan Scenarios was built on that principle.
I wanted to create a brokerage that focuses on the scenario, not the lender, one that delivers practical, well-structured finance solutions without unnecessary complexity.
Outside of work, I’m genuinely passionate about the lifestyle our products support, from touring Australia to exploring remote parts of the country. That perspective carries through in how I work with clients, whether they’re financing a vehicle, a caravan, or growing their business.
How we work
Why not just go to your bank?
Banks assess deals. We structure them.
A bank can only offer its own products, based on its own criteria. If your situation doesn’t fit, that’s usually where it ends.
We work differently.
Every deal starts with your full scenario, then we align with the right lender, structure and timing to give you the strongest possible outcome.
That’s the difference between applying for finance… and having it properly structured
How we help
Every deal starts with your situation. Whether you’re financing a vehicle, equipment, working capital or a lifestyle asset, we take the time to understand the full picture and then structure the deal to suit.
We’re not tied to a single lender, which means we’re free to focus on what actually works, not what fits one bank’s criteria. The outcome is simple: well-structured finance, fewer surprises and a smoother path from application to settlement.
Who else we work with
For referral partners, we provide specialist support in asset and commercial finance.
If you’ve got clients who need funding outside your core focus, we handle the deal from structure through to settlement so you can deliver a strong outcome without the time or complexity.