Kimberley McKinnon

Meet Kimberley McKinnon

Kimberley McKinnon is the Founder and Director of Three Plus Me Finance, bringing more than 20 years of experience in finance and lending to clients across Australia.

With extensive industry knowledge and access to a broad panel of lenders, Kimberley works with businesses, professionals and individuals across business, commercial, asset & equipment and consumer finance.

Her approach is personal and straightforward. Kimberley takes the time to understand each client's circumstances, objectives and longer-term goals before exploring finance options suited to their needs. From initial enquiry through to settlement, she remains involved throughout the process — liaising with lenders, managing the application and keeping clients informed along the way.

For Kimberley, finance isn't simply about arranging a transaction. It's about building trusted, long-term relationships and being the finance partner clients can return to as their businesses, circumstances and goals evolve.

Melbourne based. Helping clients Australia-wide.

Our Latest Reviews

Jo Weldon

Kimberley helped us out with a loan for a used vehicle. She secured a better loan rate than we were offered by the car yard. Everything was so quick & easy, all our documents were sent by email. No question was a bother, kept us informed all the way. Have recommended her to all our friends! Will definitely use Kimberley for our next vehicle. If I could give more than 5 stars I would!

Juliet

I am so grateful to have been connected to the beautiful Kimberley. She is so amazing to work with, nothing is ever hard for her and she does it with such grace and great transparency. She has helped me with the purchase of my new car which I thought would be impossible but she worked her magic and I got approved. If excellence was a person it would be Kimberley! Love your work Kimberley, and I would 10000000% recommend her to everyone. Bless! 🧡

Monaco Landscapes

Kim is an exceptional broker who makes the entire process effortless. Nothing is ever too difficult for her, and she consistently finds solutions where others see obstacles. Unlike many brokers who rely solely on spreadsheets and numbers, Kim takes a holistic approach, considering the bigger picture to deliver the best outcomes. My business has grown exponentially, and much of that success is thanks to Kim’s expertise, dedication, and strategic guidance. I couldn’t recommend her highly enough.

We work with Australia's biggest lenders

Frequently Asked Questions

What types of finance can Three Plus Me Finance help with?

We assist with a broad range of business, commercial, asset & equipment and consumer finance solutions. Whether you're looking to improve cash flow, grow your business, purchase vehicles or equipment, refinance existing commitments or fund a personal purchase, we'll help you explore the options available.

Why use Three Plus Me Finance instead of going directly to a bank?

Rather than being limited to the products and lending criteria of one institution, we have access to a broad panel of lenders. We take the time to understand what you're looking to achieve, explore suitable options and manage the finance process from enquiry through to settlement.

Can you help me find the right finance for my business?

Yes. Every business is different. We look at your business, funding requirements and objectives to help identify finance options suited to your circumstances — whether that's working capital, expansion, refinancing, commercial funding or finance for vehicles and equipment.

Can you refinance or restructure existing finance?

Yes. We can review eligible existing business, commercial and asset finance and explore refinancing or restructuring options that may better support your cash flow, current circumstances and future plans.

What if my circumstances or credit history aren't straightforward?

Yes. We can assist with reviewing your credit file and exploring rectification where information may be incorrect, outdated or eligible to be disputed. Where appropriate, we can also help you understand the steps available before applying for finance.

How quickly can finance be arranged?

Timeframes depend on the type of finance, lender and complexity of the application. Some straightforward applications can move quickly, while larger business and commercial transactions may require additional assessment. We'll keep you informed throughout the process and work to keep things moving.