Nathaniel Flack is the Managing Director and founder of Fundamental Business Finance. Since establishing the business in 2012, he has focused on helping established small and medium businesses access the right finance for each stage of their growth. Nathaniel is particularly effective when a business has reached the limits of its existing bank or funder. He takes time to understand the wider business, its objectives and the pressure points behind the transaction before considering the available funding options. His broad experience spans commercial finance, cashflow and working capital, construction and development, equipment and asset finance, and consumer and residential lending. Fundamental was built around a relationship-rich model. Nathaniel’s aim is not simply to complete a transaction, but to remain involved as a trusted finance partner as the client’s business, property interests and funding needs develop. He finds the work most rewarding when finance helps a business owner move forward with an ambition that may otherwise have remained out of reach. Outside work, Nathaniel enjoys life with his wife, two sport-loving boys and two very active golden retrievers. Areas of specialisation • Commercial and business finance • Equipment and asset finance • Cashflow and working-capital finance • Consumer and residential finance • Construction and property-development finance • Complex and solution-based lending

Darren Fidoe is a Business Finance Specialist who helps business owners navigate the everyday financial demands of running and growing a business. Drawing on a broad understanding of available finance options, he works with clients to develop clear strategies across asset finance, specialist and solution-based lending, and property finance. Darren joined Fundamental in 2014 and holds an important leadership role within the business, supporting broker mentoring, training and capability development. Alongside that leadership work, he continues to assist clients directly, with particular experience supporting transport operators, small and medium businesses, and homeowners. Personable, detailed and highly communicative, Darren makes sure clients understand how their proposed finance strategy works and what it means for them. His focus is on helping people make informed decisions rather than simply presenting a product. Away from finance, Darren enjoys nature and the wide-open spaces of the acreage lifestyle he has created. Areas of specialisation • Asset and equipment finance • Transport-industry finance • Solution-based and specialist lending • SME growth and business finance • Property finance • Broker mentoring and training

Miz Choi is a Business Finance Specialist who works with established businesses looking to grow, acquire, reinvest or expand their business and asset portfolios. Her core experience covers acquisition finance, cashflow and working capital, commercial finance and residential lending. Miz discovered finance while working alongside a broker and saw an opportunity to broaden both her knowledge and the support she could provide to clients. She joined Fundamental in 2017 to develop deeper commercial-finance expertise and has since built a strong base of long-standing and repeat clients. Miz combines clear communication with analytical thinking, persistence and creativity. She takes time to understand the commercial objective behind a request and continues working through the detail when a transaction requires a less conventional solution. Her relationship-led approach is particularly valuable to clients whose needs develop across multiple stages of business ownership and investment. Based on the Gold Coast, Miz enjoys the local lifestyle and travelling the world in search of new experiences and adventures. Areas of specialisation • Business-acquisition finance • Residential lending • Cashflow and working-capital finance • Business and asset-portfolio growth • Commercial finance • Complex and solution-based lending

Alex Zanfirache is a seasoned Asset Finance Specialist with experience on both the broker and lender sides of the finance industry. He works with small and medium businesses that need capital to grow, particularly those making significant investments in plant, equipment, machinery, fleets and vehicles. Alex’s core expertise spans asset and equipment finance, unsecured business lending and cashflow finance. His understanding of both sides of a transaction helps him anticipate lender requirements, identify practical options and present funding requests clearly. An outstanding communicator, Alex cares deeply about client outcomes and follows through on what he undertakes to deliver. He is at his best when a growing business needs a solution that reflects its commercial position and the role an asset or funding facility will play in its next stage. Outside work, Alex enjoys a round of golf and life with his two dachshunds – an entertaining contrast to his six-foot-seven frame. Areas of specialisation • Asset finance • Unsecured business lending • Equipment and machinery finance • Cashflow finance • Vehicle and fleet finance • Capital expenditure and business growth

Debra Martschenko is a Finance Specialist and Head of Consumer with Fundamental Finance Group. She has a genuine passion for finance and helping people, supported by a particularly strong understanding of consumer and residential lending. With approximately 10 years of finance-broking experience, Debra works with clients seeking to purchase or refinance property, invest in residential real estate, or obtain an appropriately structured secured or unsecured personal loan. Her specialties include owner-occupied home loans, investment lending, mortgage refinancing and personal finance. Debra is known for her meticulous approach to execution. She works carefully through the chosen strategy, documentation and lender process, maintaining a high standard of service and aiming to deliver an outcome that meets or exceeds the client’s expectations. Her warmth and client focus make her particularly effective with borrowers who value clear guidance and dependable follow-through. Based on the Central Coast, Debra is a proud mother and grandmother who places family at the centre of her life. Areas of specialisation • Owner-occupied home loans • Secured personal loans • Property-investment loans • Unsecured personal loans • Mortgage refinancing • Consumer-finance strategy

Leigh Wetton is a Finance Specialist who brings substantial first-hand business ownership and executive experience to every client conversation. Before entering finance, he spent more than a decade building EMF Performance Centre into a national fitness brand, leading hundreds of employees, significant budgets and operations across multiple states before completing a successful exit. Following a period away from the business, finance became a natural next step. It allowed Leigh to apply the commercial judgement, resilience and practical understanding developed through years at CEO pace. His primary finance capabilities include commercial finance, asset and equipment finance, and cashflow funding. Leigh works particularly well with ambitious, high-net-worth business owners seeking growth across their businesses, assets or investment portfolios. He connects easily with owners at every stage because he understands the pressure, mindset and grit required to keep leading when the decisions are difficult. Earlier in his career, Leigh served as a Navy Clearance Diver in the Australian Defence Force. He now lives on the Gold Coast with his young family and enjoys travelling the world with them. Areas of specialisation • Commercial finance • Finance for established business owners • Asset and equipment finance • Investment and portfolio funding • Cashflow and growth funding • Complex and strategic lending

Tony Centrella is a Finance Specialist with a background in accounting, commerce and large-scale business operations. Before becoming a broker, Tony’s family business had been a Fundamental Business Finance client for more than 10 years, giving him a strong appreciation of the value that a trusted finance relationship can create over time. Tony helped lead the operations of one of South Australia’s largest fitness franchise groups, which operated 16 gyms at its peak. His responsibilities extended across staff, marketing, site development and major capital-expenditure programs. That experience gives him a practical understanding of the decisions, risks and competing priorities business owners face while growing and reinvesting. His core finance capabilities include cashflow finance, equipment finance, commercial finance and structured finance. Tony works particularly well with small and medium business owners seeking to expand their operations or build their investment position. He also brings a strong team mindset, having developed successful people around him who consistently deliver. Tony is strongly family focused, committed to maintaining his health and continually reinvesting in his own development. Areas of specialisation • Cashflow finance • Structured finance • Equipment finance • Capital-expenditure programs • Commercial finance • Business expansion and reinvestment

Nathan Munoz is a Finance Specialist who works with current and prospective homeowners, property investors and small business owners across residential, business and asset finance. He entered finance to combine his relationship-building and analytical skills while developing a business of his own. Before moving into broking, Nathan worked as a Civil Asset Inspector for the City of Greater Geelong. The role demanded close attention to condition, documentation and detail – skills that now support his work with residential and commercial property transactions. He joined Fundamental in 2023 after beginning his finance career in mortgage broking. Nathan is a clear and reassuring communicator who helps put clients at ease. He takes time to explain the proposed strategy, the commitments involved and what the client can expect throughout the process, allowing people to make informed decisions with greater confidence. Based in Geelong, Nathan enjoys sport, particularly soccer, and travelling in search of new experiences around the world. Areas of specialisation • Residential home lending • Asset finance • Property-investment finance • Mortgage refinancing • Business finance • Residential and commercial property transactions

Nick Martschenko is a Finance Specialist with a professional background in transport and logistics. He joined Fundamental in January 2026 after seeing first-hand how effective finance broking can help people and businesses move forward with greater confidence. Nick’s primary capabilities include asset finance, cashflow finance and consumer finance. His previous industry experience gives him a practical understanding of the vehicles, equipment, timing and working-capital pressures faced by transport operators and other growing businesses. He works particularly well with transport operators and small to medium business owners seeking funding for assets, operating requirements or their next stage of growth. Personable and approachable, Nick communicates clearly and aims to make the finance process easier to understand from the first conversation through to completion. Based on the Central Coast, Nick is a proud father of two with a young family and a strong love of rugby. Areas of specialisation • Asset finance • Consumer finance • Vehicle and equipment finance • Transport and logistics finance • Cashflow finance • SME growth funding