Fund vehicles, machinery, technology, fit-outs and productive business assets with a structure matched to the asset, tax treatment and cash flow.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
The business owns the asset from settlement and the lender registers security. Tax and GST treatment should be confirmed with your adviser.
The financier owns the asset during the agreement and ownership transfers after the final payment, subject to the contract.
The business pays to use the asset under agreed terms. End-of-term options and accounting treatment need careful review.
A short repayment term can strain cash flow. An excessively long term can leave debt outstanding after the asset becomes unreliable or obsolete. Consider useful life, utilisation, maintenance, resale value and the period over which the asset earns revenue.
For standard vehicles and equipment, lenders may use streamlined assessment based on business history, credit profile and asset quality. Specialised or high-value assets usually require more financial evidence and a stronger explanation of utilisation.
A bank and a specialist asset lender can assess the same equipment transaction differently. Compare total repayments and fees, asset-age rules, deposit or equity, balloon, term, documentation, early-repayment conditions and whether the lender is comfortable with the asset and industry.
A specialist lender is not automatically faster or cheaper, and a bank is not automatically the best fit. The useful comparison is the whole structure for the actual transaction.
We organise the information, test lender fit and keep the process moving.
Tell us what the money is for, the amount required, timing, turnover and any existing facilities.
We check cash flow, bank conduct, security and documents before choosing a sensible lender option.
We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.
We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.
Yes, subject to lender policy on asset age, condition, valuation and remaining useful life.
Some applications can be funded without a deposit, while others require equity because of asset type, age, borrower risk or purchase price. GST funding may also be structured separately.
Some lenders allow private sales with additional identification, ownership, valuation and settlement checks.
Sometimes. Soft costs and installation may require a different facility or additional borrower contribution because they have less resale value than the core asset.
Yes, commercial vehicles can often be assessed as vehicle or equipment finance depending on the asset and lender policy.
Equipment finance is usually tied to a specific asset. A business loan may be broader and not linked to one item of equipment.
Many lenders consider machinery and yellow goods, subject to asset type, age, condition, valuation, borrower profile and industry risk.
Yes, but compare the whole facility rather than the headline rate alone. Fees, deposit, balloon, term, asset rules, security and early-repayment conditions can materially change the practical cost and fit.
Tell us the asset, purchase price, supplier, deposit or trade-in and how the equipment will be used. We can compare likely bank and specialist-lender structures before formal submission.