Finance for vehicles, equipment, and technology. Faster approvals than bank loans.
Asset finance allows you to acquire vehicles, equipment, and technology without large upfront capital outlay. The asset secures the loan, allowing faster approvals and better rates than unsecured borrowing. Whether you need a fleet of vehicles, manufacturing equipment, or technology, we source the right financing structure.
Asset finance is a way of funding vehicles, equipment or technology in which the asset itself secures the borrowing, so a business can acquire it over time instead of paying the full cost upfront. Because the lender holds security over the asset, approvals are typically faster and rates lower than unsecured borrowing, with the loan term often matched to the asset's working life. It’s one function of Finance Broking within your Finance Hub , part of a connected back office.
Common problems we solve
You need new equipment but don't have $100k+ cash available
You want to keep vehicles current but purchasing outright is too expensive
You're unsure whether to lease or buy critical equipment
You're paying too much for existing equipment loans and want to refinance
You want tax-efficient acquisition of technology but haven't compared options
Here's what you receive
Asset Finance Sourcing
Identification of appropriate lenders and financing structures for your specific assets. Includes lease vs. buy vs. finance analysis.
Application Preparation
Complete preparation of finance application with equipment specifications, quotations, and financial statements as required.
Multi-Lender Quotes
Sourcing quotes from multiple asset lenders so you can compare rates, terms, and flexibility options.
Lease vs. Buy Analysis
Financial comparison of leasing vs. purchasing vs. financing including tax implications and cash flow impact.
Settlement & Ongoing Support
Management of settlement process and ongoing support for refinancing or additional assets during the loan term.
How it works
Asset finance is Australia's preferred way to fund equipment acquisition. Rather than saving cash or requesting a large unsecured loan, businesses finance the specific asset. This approach has multiple advantages: speed (asset lenders can approve in 48 hours), cost (asset security brings better rates), and cash flow (you preserve capital). For growing SMEs, asset financing enables equipment investment that would otherwise be postponed until cash accumulated. The key decision is lease vs. buy vs. finance. Lease works when you don't want the obsolescence risk (vehicles, computers) and prefer predictable monthly costs. Buy works if you're keeping the asset for its full life and can afford the upfront cost. Finance works when you want to acquire without upfront cash but will own and use the asset longer-term. We model all three options for your decision.
Fast approval: often 48-72 hours for routine applications
Better rates than unsecured borrowing (asset is the security)
Preserve working capital: asset financing vs. cash outlay
Technology refreshes: finance latest equipment without obsolescence risk
Tax efficiency: potentially operating lease vs. ownership
Flexible terms: match repayment to asset life or cash flow
How asset finance works
Identifying the assets you need and confirming availability and cost
Assessing equipment suitability for finance (lenders prefer stable asset values)
Lender selection: equipment lenders, captive financiers, banks with asset finance divisions
Application including quotation, business details, and personal guarantees if required
Approval and settlement: typically 1-2 weeks
Ongoing support: refinancing options, additional assets, end-of-term decisions
Who this service is ideal for
Growing businesses needing equipment but wanting to preserve cash
Transport and delivery businesses with vehicle fleet requirements
Manufacturing businesses with equipment investment needs
Technology-dependent businesses wanting regular hardware refreshes
Related services to explore
Business Lending
We broker business lending from Australia's major banks and alternative lenders. Rather than applying to one bank and hoping, we position your loan request to multiple lenders, negotiate terms, and secure the best rates and structure for your business. Our lending expertise ensures your application is presented professionally with all required documentation.
Loan Refinancing
If you've had loans for more than a year or rates have changed, refinancing often saves significant money. We assess your current loans, identify refinancing opportunities, and execute the refinance to better terms. Common scenarios: rates have dropped, your credit has improved, or you can consolidate multiple loans.
Commercial Property Finance
We arrange property finance for owner-occupied business premises and investment properties. Whether you're acquiring a property, refinancing at better rates, or building equity, we access lenders across the full spectrum and negotiate the best terms for your situation.
Frequently asked questions
The short answers are here. For anything else, ask below or get in touch.
Not always cheaper, but often better for cash flow. You preserve capital for operations and growth. For technology that becomes obsolete, it can make sense to lease rather than own. We model both options.
Ready to get started with asset finance?
We can help you implement asset finance and start seeing results. Talk to an advisor about your specific needs and how this service would fit your business.