Dare to dream
STELLIFY FAQs
Stellify FAQs
At Stellify, we believe that financial clarity starts with understanding. Our FAQ section is designed to answer the most common questions we receive, from how we can help with your financial goals to what you can expect when working with our team.
Whether you’re exploring loan options, looking to consolidate debt or simply want to improve your financial wellbeing, you’ll find clear and practical answers right here.
Still have questions? Our friendly team is just a message away and we’re here to help you make informed, confident financial decisions.
Stellify
Yes, Stellify offers finance broking services, helping individuals, startups and small businesses access personal loans, business loans and commercial lending solutions. We want to hear your plans and dreams and help you realise them!
While we can just be transactional and try to find you a loan – if that is what you are after – we also focus on providing tailored financial solutions, strategic guidance and access to trusted lenders. Stellify is a finance broker based in Brisbane helping clients achieve their goals through personal and commercial finance – explore our services.
We support you to start the journey towards making your dream a reality by using finance as a tool. A tool to operate on your own terms.
Subject to lending eligibility criteria, Stellify works with individuals, families, startups, SMEs and established businesses. We assist with personal loans, home loans through referral partners, startup funding, small business loans and other financing solutions.
Explore the options or Contact Us to arrange an initial discussion.
Jodi and John are the founders of Stellify, with almost 10 years’ experience working together in research and finance. Jodi combines science, finance and contract negotiation expertise, while balancing family life as a mother of two. John brings business scaling and finance experience, alongside his research background in astrophysics.
Finance underpins Stellify, but Jodi and John’s shared passion is helping clients achieve their personal and business financial goals. If you’d like to meet them, get in touch – they love to have a chat over a coffee and would love to hear about you.
Jodi and John thrive on challenges, problem-solving and crafting solutions that help clients succeed. Stellify focuses on building lasting relationships, understanding client goals and providing tailored financing strategies. We combine integrity, trust, collaboration, passion and empowerment to help clients access the right loans while maintaining control of their financial future. Click here to see what our values mean to us and to you.
We stand out because we are:
• Passionate about your vision: We dive into your personal or business story to tailor financing strategies.
• Connected and resourceful: Our extensive lender network ensures competitive, customised solutions.
• Relationship-driven: We become a trusted part of your team with advice and guidance.
• Integrity-led: Honesty and transparency guide every recommendation.
Stellify works with a diverse panel of trusted lenders to provide tailored lending solutions for personal finance and business loans. Whether you’re funding a major purchase, consolidating debt, or growing your business, we help you explore options that suit your financial goals and lifestyle.
Personal lending options include:
• Home loans – via our trusted referral partners
• Personal loans
• Vehicle finance and lifestyle vehicle finance (e.g., camper trailers, boats)
• Debt consolidation
Business lending options include:
• Equipment finance, including yellow goods and machinery
• Commercial real estate – via our trusted referral partners
• Cash flow lending
Not sure which loan is right for you? Contact us to discuss your needs and find a solution tailored to you.
We are a finance brokerage that thinks differently. We don’t just push products – we build and value relationships, we craft solutions that match your ambition and we are so excited to celebrate your dreams coming true. Stellify represents a future that is powered by possibility.
In addition, we have a community of trusted professionals around us that share the same values, so if there are other services you require, we might be able to point you in the right direction.
Simply select a service from our tiles, contact us directly, or book a time with a Stellify broker to begin your finance journey. You’ll have a confidential consultation with one of our finance experts, who will review your details and provide tailored, actionable financial options to move forward with confidence.
Finance Broking
A finance broker acts on behalf of clients to research, compare and organise loans. They work with you to understand your financial goals, assess your requirements, explore available loan options and liaise with lenders to find a solution that fits your needs. Finance brokers also prepare and lodge all necessary documents, maintaining strong relationships with lenders to ensure a smooth process for both personal and business loans.
Finance brokers typically work through an aggregator, which provides access to a wide panel of lenders. Stellify partners with Viking Asset Aggregation Pty Ltd, giving us access to an extensive range of consumer and commercial lending options. This means we can find solutions that suit your needs, from personal loans to startup and small business loans. While we don’t look after home loans ourselves, we have a trusted referral partner to manage home lending and refinancing.
Using a finance broker saves you time and helps you make informed decisions. Key benefits include:
• Assessing loan serviceability without impacting your credit file. Read this to learn more about what a credit file is.
• Comparing multiple lenders and loan products to find the best fit.
• Access to lender relationships – if your application doesn’t meet standard policy, our connections allow us to troubleshoot and (hopefully) find suitable alternatives (subject to lending criteria).
There are no upfront service fees when engaging Stellify for broking services. However, a brokerage fee applies, which is added to the loan at settlement. The brokerage fee varies based on the complexity of the transaction, the lender and the type of product selected. Additionally, brokers sometimes also receive a commission directly from the lender after the loan has settled.
There are fees associated with lending, these are added onto the loan amount and included in the monthly repayments. Different lenders have difference fee schedules, so it’s important to discuss the specific costs for your loan with us before proceeding.
At Stellify, your privacy is our priority. We manage personal information in line with the Privacy Act 1988 and ensure it remains confidential. For more information, please follow this link to view our privacy policy
We love hearing from clients! If you’ve had a positive experience, you can:
Tell your family, friends, or colleagues about Stellify.
Follow us on our socials, like and share our posts or leave us feedback on our socials: Facebook, Instagram, LinkedIn.
Or simply get in touch with us directly – referrals and word of mouth are invaluable.
If you encounter an issue, please get in touch, to explain the situation. We will work with you to resolve it. If you remain unsatisfied, you can lodge a formal complaint via our complaints procedure. We kindly ask that all interactions with staff remain respectful.
Personal Lending
Stellify works with a wide range of trusted lenders to provide tailored consumer lending solutions, including personal loans, home loans (via our referral partners), vehicle finance, lifestyle vehicle finance (e.g., camper trailers, boats, jetskis, ebikes) and debt consolidation. We start with a free finance health check to understand your full financial situation, so we can recommend options that suit your goals, lifestyle and major life events.
A personal loan can provide flexible funding for home renovations, school fees, weddings, holidays, major purchases, unexpected expenses or consolidating debt. Stellify begins with a finance health check to ensure any loan aligns with your current finances and long-term plans, helping you make informed decisions with confidence.
While Stellify doesn’t directly provide home loans, we partner with trusted mortgage brokers. We connect you with the right experts to find a home loan solution that fits your lifestyle, family needs and future goals.
Stellify helps with both standard vehicle finance and lifestyle vehicle finance, including cars, caravans, boats, jet skis and camper trailers. We use a finance health check to understand your budget and financial situation, then compare loan options and lenders to secure a solution that suits your lifestyle and plans.
Debt consolidation allows you to combine multiple debts into a single loan, simplifying repayments and potentially reducing interest costs. Stellify starts with a finance health check to review your existing debts and cash flow, helping you find a consolidation solution that reduces stress and frees up money for family, travel, or other priorities. Check out our blogs for more information about debt consolidation and whether it’s right for you.
Absolutely. If you have existing debts, we begin with a free finance health check to understand your full situation. We explore options like refinancing or debt consolidation to simplify repayments and potentially reduce interest. Only after reviewing these options do we consider new lending, helping you create a clearer, more manageable financial path for your lifestyle and future goals.
A finance health check is a free service to help you understand your current financial position. We review your income, living expenses and existing debts to give a clear snapshot of your finances. This process identifies opportunities to improve cash flow, reduce debt or plan for future goals such as saving for a home, holiday or school fees. If this could benefit you, get in touch or book in a confidential discussion.
Maybe. Some lenders consider applicants with lower credit scores, but they usually assess your overall financial situation. We start with a finance health check to explore your options and recommend solutions tailored to your circumstances. Read this to learn more about credit files.
Stellify doesn’t charge upfront service fees. Loan fees vary depending on the lender and product and may be included in the loan amount and repayments. We’ll explain all costs clearly before you commit to any loan.
Your privacy is a priority. We handle personal information in accordance with the Privacy Act 1988, ensuring confidentiality and compliance. For more details, see our privacy policy.
Start by selecting the service you need, contacting us directly, or booking a time with a Stellify broker. You’ll then have a confidential consultation and finance health check to review your situation, goals and lifestyle needs. Our team will provide tailored, actionable options to help you move forward with confidence and clarity.
Start-Up Loans
Yes, there are funding options for new businesses at different stages. The best approach is to start with a conversation so we can assess your situation and connect you with partners who offer suitable solutions.
Unlike Venture Capital or Business Angel investment, loans let you maintain control of your business while still accessing the funding you need. Every option has a risk profile, and it is up to you to make informed decisions around risk and risk mitigation, but loans can offer independence in the early stages.
No. While Venture Capital and Angel Investors are one route, Stellify encourages business owners to explore all of the options and to make informed decisions. All investments carry risk – loans allow you to maintain control and take measured steps toward growth.
While it depends on the lender, startup loans can help cover costs such as setup costs, equipment, marketing, cash flow and other essentials. They provide the foundation to grow confidently while keeping your long-term vision intact.
Every business journey is unique. Talking to Stellify early allows us to understand your goals and help you choose the best funding solution to suit your growth plans.
Business Lending
Stellify works with a panel of trusted lenders to provide tailored business lending solutions. This includes loans for start-ups, cash flow management, equipment finance, commercial property and working capital.
Absolutely. Start-ups often face unique challenges securing funding, especially in the first months of operation. Stellify begins with a confidential discussion to understand your business plan, projected revenue and funding needs. We explore solutions that help you launch your business, maintain control, and grow sustainably. In addition, Stellify can offer consulting services to businesses, you can find more information here, or in the Consulting FAQs below.
Business loans can support growth, purchase new equipment, expand premises, manage cash flow or purchase heavy vehicles. Stellify starts with a confidential discussion. From there, we help identify solutions that balance risk and opportunity while keeping your business ambitions on track.
Yes. We provide tailored equipment finance solutions, including yellow goods and machinery for businesses in agriculture, construction and mining, for example. Our team starts with a business finance health check to understand your cash flow and equipment needs, then helps secure finance options that support your growth strategy.
While Stellify doesn’t directly provide commercial property loans, we partner with trusted referral partners who specialise in this space.
Stellify does not charge upfront service fees. Loan fees vary depending on the lender, loan type and complexity of the transaction. We explain all costs clearly before you commit to any funding solution.
Stellify prioritises privacy and handles all business and personal information in accordance with the Privacy Act 1988, ensuring confidentiality and compliance. For more details, see our privacy policy.
Stellify supports start-ups, small to medium enterprises (SMEs) and established companies across industries, subject to lending eligibility. We focus on providing tailored funding solutions that empower businesses to grow while maintaining control over their operations.
Begin by selecting your business type – start-up or established business – contacting us directly or booking a time with a Stellify broker. You’ll then have a confidential consultation so that our team can review your financial position and goals. Our team provides tailored, actionable options to help you move forward with confidence.
Consulting Services
Stellify supports businesses and entrepreneurs through three core services:
Idea and market validation, helping you test concepts, understand customer needs, and assess feasibility.
Research collaboration, R&D, and IP support, guiding you in building effective partnerships with universities or research institutions and navigating contracts, negotiations, and intellectual property considerations.
Grant application support, strengthening your submissions through reviews of applications, budgets, and supporting documents.
Visit our Stellify Consulting webpage to learn more about these services.
Costs vary depending on the type and level of support needed. After our initial conversation and review of your needs, we will provide a clear outline of recommended services and associated fees – with no obligation to proceed.
We work with founders and entrepreneurs, start-ups, small businesses and established companies seeking to innovate through research and development or strategic partnerships. Whether you’re exploring an idea, preparing a grant application or seeking to collaborate with a university, we tailor our support to your stage and goals.
Yes. We can work with entrepreneurs to explore, test and refine ideas, helping you understand market needs, customer value and feasibility before investing time and resources.
Not at all. We support clients at all stages – from early-stage concepts to businesses preparing for growth or research collaboration. In fact, the earlier the conversation, the better, book it in now.
Yes. Confidentiality is central to our work. Anything you share with us – from early-stage ideas to business plans or commercial details – is treated with strict confidentiality.
Yes. Through Stellify’s trusted network, we can connect you with professionals in areas such as IT, business development, marketing and automation, accounting, legal services, intellectual property, and more – providing well-rounded support as your business grows. Some members of our community are listed here, but if you don’t see the expertise you need, get in touch – we may just know someone who can help.
Absolutely. Many clients come to us unsure of where to start. We offer a confidential, no-obligation discussion to understand your situation and recommend the most appropriate next steps. Book in a chat, and let’s start the conversation.
We guide businesses through every stage of partnering with universities or research institutions – from identifying the right contacts to supporting commercial contract reviews, navigating IP considerations and assisting during negotiations to ensure a fair and effective partnership. We also have a community of trusted professionals around us, that can assist you with their complementary services.
When specialised expertise is needed beyond our own services, we can also connect you with trusted professionals within our community who offer complementary support.
Yes. We help identify the right research capabilities, make introductions to the appropriate experts, and guide you through university and research institution processes. We support discussions, project scoping, commercial negotiations and can work with you and a researcher to develop proposals or grant applications. This includes defining scope, structuring projects, preparing budgets and identifying potential risks or misalignments between academic and industry expectations. We also assist with the commercial review and negotiation of research contracts. While we don’t provide legal advice, we can connect you with trusted lawyers who can.
Yes. We provide guidance on intellectual property considerations and review the commercial terms of research and consulting agreements, helping you understand risks and achieve fair outcomes. For advice on IP protection (such as patent, trade mark or design registrations) or IP filing strategies, we can connect you with trusted patent and trademark attorneys.
Yes. While we won’t be writing the grant for you – we believe the subject experts should be doing that – we review applications, budgets and supporting documents, providing feedback that strengthens your submission and increases clarity and confidence before lodgement. Of course, we can’t guarantee the grant will be successful, but we will certainly work with you to give it the best shot.
If you haven’t fully shaped your project idea and want to chat it through, we can discuss how we can support you to plan your grant concept.
We support applications for a wide range of business, innovation, R&D and commercialisation grants – whether submitted independently or in collaboration with a researcher. If you’re unsure whether your grant qualifies, we can review it with you during an initial discussion.
Yes. We can support project setup, collaboration discussions with universities, commercial contract considerations and project governance once funding is awarded.
As early as possible. High-quality applications take time. Ideally, reach out several weeks before the due date so we can provide meaningful input.