WELCOME TO NiBO FINANCE

Stress-Free Finance Solutions Backed by Experience

Getting the right type of finance doesn’t have to be hard work!. With over 20 year’s experience, we’ll take the stress away and make the process easy.

Let’s Find the Right Finance for You

Expert advice, personalised solutions, and support every step of the way

Whether you’re buying a home, upgrading your car, growing your business, or exploring new opportunities, NiBO Finance is here to help. Get in touch today for an obligation-free chat about your finance needs.

About Us

Meet the Team – Your Trusted Finance Partner

With combined experience spanning finance, administration, and business operations, the team at NiBO Finance brings a well-rounded approach to every client journey. Khaldon has been helping clients navigate mortgages, vehicle and asset finance, commercial property lending, construction finance, business finance, and private funding since 2002, while Claire brings extensive expertise in administration, bookkeeping, and operational efficiency to ensure everything runs smoothly behind the scenes.

More than just numbers, this is a team committed to people. Whether it’s guiding families into their dream homes, supporting businesses with smart funding, or streamlining the process so clients can focus on what matters most, Khaldon and Claire bring dedication and care to everything they do.

Khaldon Paull

Owner – NiBO Finance

Claire Fernie

Office Manager- NiBO Finance

Our Finance Services

Tailored Solutions for Every Stage of Life and Business

Home & Investment Finance

Helping you secure the right mortgage for your first home, upgrade, or property investment.

Vehicle & Asset Finance

From family cars to business equipment, we make it simple to finance the assets you need.

Commercial Property Loans

Flexible funding options for purchasing or refinancing commercial properties.

Construction & Development Finance

Supporting new builds, renovations, and property developments with tailored finance solutions.

Business Loans & Cash Flow Support

Helping businesses grow, expand, or manage day-to-day cash flow.

Private Funding Options

Alternative finance pathways for clients who need flexible, non-traditional lending solutions.

ATO Debt Finance

Consolidate ATO tax debt with structured repayments through specialist lenders.

Business Loans

Tailored business loans to fund expansion, equipment, or new opportunities.

Business Overdrafts

Flexible overdraft facilities to smooth day-to-day cash flow gaps.

Cash Flow Lending

Unsecured funding based on your trading performance — no assets required.

Debtor Finance

Unlock cash tied up in unpaid invoices to keep working capital moving.

Earthmoving Equipment Finance

Fast finance for excavators, loaders, dozers and graders on any site.

Equipment Finance

Acquire vehicles, machinery or specialised tools without draining cash.

Food Processing Equipment Finance

Scale production with finance tailored to food and manufacturing assets.

Trade Finance

Fund stock, suppliers and international trade cycles with confidence.

Truck Finance

Specialist finance for trucks and commercial transport vehicles.

Unsecured Business Lending

Fast, flexible business funding without tying up property or assets.

Why Choose Us

Your Finance Partner of Choice

Personalised Service

We take the time to understand your story and tailor solutions to your needs. Where possible, we can even meet at your home, workplace, or online — whenever it suits you.

Flexibility

With access to a wide panel of banks and specialist lenders, we find the right fit for your circumstances. You’ll have more options than going directly to a single bank.

Solutions

We understand the Mornington Peninsula community and its unique needs. If we can’t help in-house, we’ll connect you with a trusted local referral partner who can.

Our Trusted Lending Partners

Backed by Australia’s Leading Banks & Finance Providers

At NiBO Finance, we work with a wide network of trusted partners – including Westpac, Bankwest, and other major banks and specialist lenders. This means we can compare options across the market and secure the finance solution that best fits your needs.

Access to 100+ Trusted Lenders

Testimonials

Reviews From Our Clients

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Charlie Aydin profile picture
Charlie Aydin
12 October 2026
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We had a fairly substantial Bas debt looming over our heads. Payment plans kept defaulting and we kept getting letters. After we had a chat to Khaldon, 1 week later the new loan was settled and instead of paying interest on a payment plan with Ato we can claim it as an expense. Highly recommend Khal and his team at Nibo finance, these guys are the real deal!!
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Simone profile picture
Simone
30 September 2026
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I can't recommend NiBO Finance highly enough! Kal and Claire were amazing from start to finish. Getting a business loan felt overwhelming at first, but they walked me through every step, explained everything clearly and never made me feel rushed or silly for asking questions. They were always quick to respond, kept me updated along the way and made the whole process so much easier than I expected. It's clear they care about their clients and want to see small businesses succeed. Thank you both so much for your help. I'll definitely be coming back and recommending you to other business owners! — Simone, Narre Warren Floorworld
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Bodin Pohlner profile picture
Bodin Pohlner
17 August 2026
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Nibo Finance are an amazing Team who genuenly want to help you acheive your finacial goals. They worked very pateintly with us help navigate through a complex loan. Highly recommend Nibo Finance to anyone looking for a comprehensive and stress free experience.
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Mornington Heating profile picture
Mornington Heating
13 August 2026
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KP is incredible. He helped us secure our dream home, we couldn’t have done it without him. Professional, reliable, prompt and a broker that actually has the clients backs. 10/10 recommend!
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Nathan Bryant profile picture
Nathan Bryant
5 August 2026
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I can't recommend Khaldon Paul highly enough. It all started when he helped me secure an amazing deal on a new van through one of his connections, then organised the finance to make the whole process seamless. The service didn't stop there either. One afternoon I arrived home from work to find a surprise parcel at my door. I hadn't ordered anything, but when I opened it, it was a box full of cookies and brownies as a thank you. That level of appreciation and personal service is something you just don't see very often. I took Khal out for a coffee to thank him for everything. While we were there, we bumped into a friend and I introduced Khal as the bloke who financed my new van. Fast forward six months and it's incredible to see the impact he's had. That same friend has since used Khal to secure finance for a home he could only dream of, as well as a business loan for himself and his business partner. His business partner has since refinanced his home and purchased a new car for his wife. They were so impressed with Khal's service that they referred him to another business owner, who has since obtained finance for a mansion on the Mornington Peninsula and a business loan to support a fleet of six vehicles. To see someone generate that many referrals purely because they genuinely care about their clients and provide outstanding service says everything about the way Khal operates. He doesn't just organise finance, he builds relationships and looks after people long after the paperwork is signed. If you're looking for someone who is honest, professional, well connected and genuinely invested in getting the best outcome for you, do yourself a favour and speak to Khal. You won't regret it.
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Olivia profile picture
Olivia
15 July 2026
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I had an amazing experience thanks to Khaldon, who provided seamless and straightforward support throughout my finance application. He guided me every step of the way and connected me with the right people, making the entire process smooth and stress-free. Thank you for your outstanding service, I’ll definitely be back in the future!
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Michael Marmina profile picture
Michael Marmina
1 July 2026
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Excellent, super helpful and supportive. Khaldon and the team are unmatched. Highly recommend!
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Kate Ebbott (katie_ebs) profile picture
Kate Ebbott (katie_ebs)
18 May 2026
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Khal and the team were absolutely amazing to deal with! After 3 other finance brokers told us they couldn't help with our business loan, we met with Khal who was honest but positive about what he could potentially do to assist. We had many conversations along the way, no question was too silly, he presented us with different options/strategies which helped guide our decision making. Overall, we were approved for the loan and also refinanced our mortgage for a better rate. Khal's communication was fantastic, he kept us informed as each step progressed. We are so thankful he was willing to take on our business (that wasn't easy!) and produced a brilliant outcome. We could not recommend NIBO Finance more!!
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Shaun Vezzoso profile picture
Shaun Vezzoso
12 May 2026
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Kal and the team were absolutely amazing, arranged all our financing needs, and delivered far beyond our expectations. Kal and the team were always available to take calls and kept us informed throughout the entire process. Highly Recommend NIBO.
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Mansoor Rahimi profile picture
Mansoor Rahimi
1 May 2026
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If you need ANY type of loan, Khal is your guy. He is an honest, trustworthy and very capable person. We have been dealing with each other for years now and he has helped us with residential, commercial and equipment finance. Wouldn’t recommend any other broker.
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Luke Bunter profile picture
Luke Bunter
30 April 2026
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Helped me so much on getting my loan for my brand new camper trailer would recommend
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Jerome Hunter profile picture
Jerome Hunter
14 April 2026
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The Guy's at Nibo Finance were without doubt the best finance brokers to secure my home loan, and the experience was simply outstanding. From our very first conversation, they took the time to truly understand my financial situation and future goals. They explained complex loan options in a way that was easy to grasp, empowering me to make informed decisions with confidence. What truly set them apart was their remarkable professionalism. They were always available to answer questions, handled all the paperwork seamlessly, and liaised with lenders efficiently. Their attention to detail ensured that the process was smooth and stress-free. Most of all, they made the entire journey enjoyable. Their positive attitude and genuine enthusiasm made what could have been a daunting task feel exciting. Thanks to them, I found the perfect loan and are happily settled in my new home! Thanks Khaldon and Claire

FAQs

Frequently Asked Questions

We assist clients with mortgages, vehicle and asset finance, commercial property lending, construction finance, business loans, and private funding. Whether you’re buying a home, growing your business, or upgrading vehicles, we’ll find the right solution.

Not at all. We work with first-home buyers, start-ups, established businesses, and individuals looking for personal finance options. We’ll tailor recommendations based on your stage and goals.

Unlike a bank, we’re not tied to one set of products. We compare a wide range of lenders and solutions, ensuring you get the best fit for your circumstances rather than being limited to one option

Khaldon began his finance career in 2002 and has worked across mortgages, business lending, and vehicle finance. He holds a Diploma of Finance – Mortgage Broking, a Certificate IV in Sales & Marketing, and is a member of the Finance Brokers Association of Australia (FBAA).

Timelines vary depending on the type of finance and the lender, but we’ll guide you every step of the way and keep things moving quickly. In some cases, approvals can be arranged within a few days.

Simply contact us by phone on 1300 988 500 or email kp@nibofinance.com.au. We’ll set up an obligation-free chat to understand your needs and explore the best options available.