Dhiraj Bharwad is the founder and principal broker at Uloans Finance, an asset and commercial finance brokerage based in Pakenham and working with clients across Australia. He specialises in funding the vehicles, equipment and working capital that businesses depend on to operate and grow.
His clients are business owners, sole traders, tradies and transport operators. That includes owner-operators financing a prime mover, construction businesses funding excavators and yellow goods, trades buying utes and tools, and established businesses arranging commercial property, development funding or a facility to smooth out cashflow. Each of those sits in a different lending category with different policy, and knowing where a deal belongs before it goes anywhere is what keeps the process moving.
His approach starts with how the business actually runs. Seasonal income, contract cycles, ABN age, existing equipment commitments and what the asset needs to earn all shape which lender and which structure make sense. Chattel mortgage, lease and commercial hire purchase each behave differently on a balance sheet, and Dhiraj walks clients through the practical differences in plain language rather than industry shorthand.
Working across a panel of lenders rather than a single bank means options that a direct approach would not surface, particularly for newer ABNs, low-doc scenarios and specialised or used equipment where mainstream policy is restrictive. Dhiraj prepares the submission, deals with the lender questions, and keeps clients updated through to settlement so they can stay focused on the job in front of them.
Uloans Finance also arranges personal loans, and home loans are available through our lending partners.
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29 Reviews
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mukul bharwad
I recently used Uloans Finance for my commercial car finance, and the experience was outstanding. As a new ABN, I expected the process to be slow and full of paperwork, but Dhiraj made it unbelievably easy. He secured me the best low doc commercial deal available, explained everything clearly, and had the approval turned around fast. No stress, no chasing documents, no delays. Just smooth, professional service from start to finish. If you’re a business owner or new ABN looking for quick, competitive car finance, Uloans Finance is the team you want. Highly recommended.
Matthew Butera
Highly recommend! I used Dhiraj for help with a car loan and was extremely impressed with his service and the knowledge he brought to the table. Helped me with exactly what I was looking for and would 100% work with him again!
Lovepreet Bhangu
Uloans Finance made securing finance for our business a seamless experience. From exploring options for a commercial loan, line of credit, and equipment finance to arranging commercial vehicle finance, their team provided clear advice and practical solutions tailored to our needs. They were easy to deal with, responsive, and kept us informed every step of the way. What impressed us most was their genuine commitment to helping our business succeed. Their knowledge of commercial lending and strong understanding of lender policies meant they could quickly identify the right options and overcome any obstacles. Uloans Finance truly went above and beyond, delivering outstanding service and a result that exceeded our expectations. Highly recommended.
Meet
Uloans Finance made my first home buying journey incredibly smooth and stress free. Their team was always quick to respond, patiently answered every question, and took the time to educate me on the entire home loan process, helping me understand my options and make informed decisions. What really stood out was their deep knowledge of lender policies and their commitment to going above and beyond. They worked tirelessly to find the right solution for my situation, kept me informed every step of the way, and genuinely cared about helping me achieve my goal of home ownership. I highly recommend Uloans Finance to any first home buyer looking for expert guidance and outstanding service.
Sartaj Singh
Very quick respond
Aman Singh
Big thank you to Dhiraj for making the whole process so quick and smooth. Always easy to reach, helpful, and kept us updated throughout. Really appreciate your hard work and support. Highly recommended!
Areas Serviced
Specialties
Car, Truck & Heavy Vehicle Finance
Equipment & Machinery Finance
Commercial & Business Finance
Working Capital, Cashflow Finance & ATO debt Finance
Memberships
FBAA
Qualifications
Diploma of Finance and Mortgage Broking
Languages
English
Hindi
Gujarati
Experience
Lender Count: 30+
Broker Since: 2025
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