All meetings    03 June 2026
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Emma Cielo

Emma Cielo

Fitted Finance

Emma holds the BNG Category: Asset Finance

Emma Cielo is the Director and founder of Fitted Finance, a Brisbane-based boutique asset finance brokerage dedicated to helping individuals and businesses secure finance that truly fits their needs. With over 12 years of experience spanning banking, brokering, and industry training and development, Emma brings a rare depth of knowledge to every client conversation, she knows the banks, the brokers, and most importantly, the customer.

Based at Coopers Plains in Brisbane, Emma established Fitted Finance with a clear mission: to make asset finance straightforward, personal, and genuinely tailored,  no cookie-cutter solutions, no unnecessary complexity. Her brokerage is tech-enabled but people-first, combining smart digital tools with the kind of honest, hands-on support that clients rarely experience from traditional lenders.

Through Fitted Finance, Emma specialises in asset finance across a broad range of categories

  • Business vehicles
  • Equipment & machinery
  • Cars
  • Motorbikes
  • Boats
  • Caravans 

Whether a client is a sole trader looking to upgrade their work vehicle, a business owner investing in equipment to drive growth, or a company exploring commercial refinancing to improve cash flow, Emma structures finance solutions around what each client actually needs rather than what's easiest to sell.

A People-First Approach Backed by Industry Experience

With access to more than 65 trusted lending partners, including Westpac, Suncorp, Prospa, Wisr, and many more — Emma is able to compare a wide panel of products to secure competitive rates and flexible structures. Rates for asset finance start from 5.59% (comparison rate 6.54%), and the application process is designed to be fast, transparent, and stress-free from first enquiry through to settlement.

Prior to founding Fitted Finance, Emma spent seven years training and mentoring brokers and business owners across Australia, giving her a uniquely informed perspective on both sides of the finance industry. That experience shaped her belief that finance decisions, often the second largest financial commitment a person or business will make, deserve proper personal attention every time.

Fitted Finance Pty Ltd (ABN 72 687 661 847) is an authorised credit representative of Fintelligence Pty Ltd (Australian Credit License 511803).

Contact details for Emma