Put the right equipment to work without draining cash flow.
Vehicles, machinery, technology and fit-outs, financed so the asset pays its way. Structured by a CPA who understands depreciation, cash flow and how a credit team reads your numbers.
- Chattel mortgage, finance lease and hire purchase compared
- Cars, trucks, yellow goods, medical, IT and fit-outs
- New, used, dealer and private-sale assets
- Low-doc and newer-business options from specialist lenders
40+ lenders. One conversation.
- 24 banks
- 13 specialist lenders
- 6 business & asset financiers
Commonwealth BankBank
WestpacBank
NABBank
ANZBank
Macquarie BankBank
INGBank
St GeorgeBank
HSBCBank
BankwestBank
Bank of MelbourneBank
BankSABank
ME BankBank
UbankBank
AMP BankBank
Bendigo BankBank
Great Southern BankBank
Heritage BankBank
MyState BankBank
Qudos BankBank
Auswide BankBank
Bank AustraliaBank
Australian Military BankBank
- Bank of ChinaBank
Bank of SydneyBank
Pepper MoneySpecialist lender
LibertySpecialist lender
La Trobe FinancialSpecialist lender
ProspaBusiness & asset finance
FirstmacSpecialist lender
ScotPacBusiness & asset finance
ResimacSpecialist lender
WISRBusiness & asset finance
BluestoneSpecialist lender
- Angle Asset FinanceBusiness & asset finance
MA MoneySpecialist lender
- ASCFBusiness & asset finance
BrightenSpecialist lender
- NWC FinanceBusiness & asset finance
Better ChoiceSpecialist lender
Granite Home LoansSpecialist lender
- HejazSpecialist lender
- Myloan ElectSpecialist lender
- ParamountSpecialist lender
Lenders on our panel, accessed through Finsure Finance & Insurance Pty Ltd and subject to change. Lender names and logos are trade marks of their owners and don’t imply endorsement. See our Credit Guide.
Finance structures, side by side
| Structure | Who owns it | End of term | Balloon or residual | Often chosen by |
|---|---|---|---|---|
| Chattel mortgage | You, from day one | Pay any balloon and keep it | Optional | Businesses that want to own the asset |
| Finance lease | The lender, during the lease | Pay the residual, refinance or return it | Usually required | Businesses that prefer to upgrade regularly |
| Hire purchase | The lender, until the final payment | Ownership passes to you | Optional | Businesses that want ownership at the end |
Each structure is treated differently for GST, depreciation and tax, and the right choice depends on your circumstances. We don’t provide tax advice: we coordinate with your accountant so the finance matches the structure they recommend.
Why it pays to use a broker who reads financials
Ankush spent around 15 years in senior finance roles working with budgets, cash flow and business financials. He looks at how the asset fits your cash flow cycle, sizes repayments and any balloon to suit, and presents your application the way a credit team expects to see it.
Our panel includes specialist asset financiers such as Angle Asset Finance, ASCF, Firstmac Asset Finance and WISR Asset Finance, alongside major banks. Need working capital as well? See Small Business Loans.
Common questions
What can I finance?
Most assets a business uses to earn income: cars, utes and vans, trucks and trailers, earthmoving and construction equipment, agricultural machinery, medical and dental equipment, IT and office equipment, and shop or office fit-outs.
What is a chattel mortgage?
A chattel mortgage is a business loan to buy an asset. You own the asset from the start and the lender takes security over it until the loan is repaid. You can usually add a balloon payment to reduce regular repayments.
Which is better: a chattel mortgage, a lease or hire purchase?
It depends on whether you want to own the asset, how you want it shown in your accounts, and your cash flow. GST and tax treatment differ between them and depend on your circumstances, so we work alongside your accountant to confirm the right structure before you commit.
Can I get asset finance with a newer ABN or low documentation?
Some lenders offer low-doc asset finance based on your ABN, GST registration and trading history rather than full financials, and some accept newer businesses. Options and pricing vary, so tell us about your business and we will check what is available.
Can I finance a used asset or buy from a private seller?
Often, yes. Lenders have rules on the age and type of asset and may want an inspection, valuation or tax invoice. We match the purchase to a lender whose policy fits.
Do I need a deposit?
Many lenders will finance the full purchase price for established businesses, and sometimes the GST as well. A deposit or trade-in can lower repayments or help where the business is newer.
Ready to talk it through?
A free, no-obligation chat about where you are and where you want to be.