Commercial Asset Finance
Any operational or revenue generating asset
Finance for vehicles, equipment and machinery to power your business.
Whether it’s vehicles, machinery, or specialised equipment, we’ll help your business secure the assets it needs to grow.
From chattel mortgages to hire purchase and leasing, we’ll explain the options, work through the tax and cash flow implications, and connect you with lenders who understand your industry.
We can also help with low-doc solutions and finance for start-ups or rapidly growing businesses.
Commercial Asset Finance FAQs
What is consumer asset finance used for?
This type of finance helps you buy personal-use items like cars, motorbikes, boats, caravans, or even household equipment. It’s often a secured loan, with the asset acting as collateral.
Can I get pre-approved before shopping?
Yes—and we strongly recommend it. Pre-approval gives you a clear budget and puts you in a stronger position to negotiate when you’re ready to buy.
How quickly can I get approved?
Most asset finance applications are processed within 24 to 48 hours once documentation is submitted. We’ll work quickly to get you the best result without delays.
Are the interest rates fixed or variable?
Most consumer asset loans are fixed rate, which means you’ll know exactly what your repayments will be over the loan term. We’ll compare rates from multiple lenders to find the most competitive offer.
What assets can I finance for my business?
Vehicles, trucks, equipment, machinery, medical devices, IT systems, agricultural tools—you name it. If it helps your business operate or grow, we can likely help finance it.
What types of finance structures are available?
You can choose from chattel mortgage, finance lease, novated lease (for employee cars), or rental agreements. We’ll help you pick the structure that suits your tax position and cash flow.
Can I finance multiple assets at once?
Yes. You can bundle multiple assets into a single loan to simplify administration and align repayments. It’s a common strategy for growing businesses.
Do I need full financials to apply?
Not always. Many lenders offer low-doc or no-financials loans for businesses with strong turnover and good credit history. We’ll help you access the most appropriate solution.
