About us

Providence Finance Hub arranges commercial, business, development, property and asset finance for borrowers across Australia. The firm was built on bank-side experience. Its founder, Joe Martin, spent 18 years inside Australian banks, most of it at tier one level, including a credit manager role assessing funding proposals from the lender’s side of the desk. That experience covered mortgages, small and medium business lending, corporate banking, healthcare banking, private banking and property development finance.

That is how the firm works. A lender’s rate sheet is not the final answer. What moves a deal is preparation, the right lender and a case put properly. We know how a file is read and where files fall down. The lender still makes the decision, and there is no magic wand. If a deal does not have legs, we say so.

The years since have been spent on the other side of the desk, as a finance broker, giving clients options across lenders rather than one bank’s policy. Joe also worked alongside finance brokers on education, coaching and development before founding the firm, and holds qualifications in Applied Finance and Management.

The work runs from the first home buyer through to multi-million dollar commercial transactions, with the same preparation for each. The firm’s focus is development finance, commercial property purchases and refinances, complex and specialised assets, and lending for self-employed borrowers, business owners and medical professionals whose position does not fit a standard calculator and needs to be presented properly. That is the standard the firm is built on, and the one it keeps as it grows.