Asset Finance
Compare business asset loans before accepting a supplier or dealer quote.
Who it is for
Process
Type, value, condition, new or used, and how it contributes to your revenue.
Chattel mortgage, finance lease, operating lease, or secured loan - we match the structure to your tax position and ownership goals.
Some lenders specialise in vehicles, others in machinery or industrial equipment. We find the right fit.
Monthly, seasonal, or structured - we design repayments that don't stress your operations.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Chattel mortgage | Businesses that want to own the asset from day one and claim tax deductions | The asset is used as security and appears on your balance sheet |
| Finance lease | Businesses that want fixed repayments without owning the asset | End-of-term decisions - you may need to refinance a residual or return the asset |
| Operating lease | Businesses that want off-balance-sheet treatment and minimal ownership risk | You don't own the asset at the end - it's purely a rental arrangement |
With a chattel mortgage, you own the asset from the start and it appears on your balance sheet. With a finance lease, the lender owns the asset and you lease it - the asset may or may not be on your balance sheet depending on the structure.
Yes, but some lenders have age and condition limits on the assets they'll finance. We'll match you with lenders who accept your specific asset.
They can be monthly, quarterly, seasonal, or custom-structured to match your revenue patterns. We design repayments that fit your actual cash flow, not a generic schedule.
You typically have three options: pay a residual to own the asset, refinance the residual, or return the asset. We make sure you understand the end-of-term position before you sign.
Yes. We help Western Sydney trades, transport operators, industrial businesses, and owner-operators compare equipment finance, truck finance, commercial vehicle loans, and machinery funding before applying.
