Key takeaways
You always deal with Monique directly — no call centres, no handovers.
20+ years in the motor industry before moving into asset finance over a decade ago.
Access to a panel of 40+ lenders across business and personal asset finance.
The person who answers the phone
If you've ever sat across from a bank lender who's never set foot on a job site, you'll understand why Monique Yukich does things differently.
Monique, as just about everyone calls her, is the founder of Efficient Finance, an asset and equipment finance brokerage based on the NSW Central Coast. She works with tradies, small business owners and everyday Australians who need finance for the things that keep their lives and businesses moving: utes, trucks, trailers, excavators, machinery, cars, boats and caravans.
When you call Efficient Finance, you get Mon. Not a call centre. Not a junior who's 'escalating your file.' The same person who takes your first call sees your deal through to settlement.
Twenty years of knowing how the deal really works
Before she was a broker, Monique spent more than 20 years in the motor industry. That matters more than it might sound. It means she's seen thousands of vehicle and equipment deals from the inside — how they're priced, how they're financed, and where buyers get taken for a ride.
"No jargon. No pretending the process is more complicated than it is. Just straight answers about what your options are and what they'll cost you."
What Efficient Finance actually does
Efficient Finance arranges finance across two worlds:
Rather than being tied to one bank's products, Monique works across a panel of more than 40 lenders. Her job is matching your situation to the lender most likely to say yes on terms that suit you, then handling the legwork so you can stay on the tools.
Straight answers, even when they cost her
Not every deal stacks up, and Monique will say so when it doesn't. A broker who tells you what you need to hear — rather than what gets a deal written — is worth more in the long run.
Why the Central Coast
The Coast runs on small business. Tradies, transport operators, family businesses, farmers on the fringes — people who front the costs, do the work, and wait to get paid. Efficient Finance is built around how those businesses actually operate.
Want a second set of eyes on your numbers?
One broker. 40+ lenders. Finance built around how you earn. Get in touch for a no-obligation chat.
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