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Asset Finance
Asset Finance solutions for vehicles, equipment and business machinery
What is Asset Finance?
Asset finance provides funding for vehicles, machinery and equipment used for business or personal purposes. Rather than paying the full purchase price upfront, borrowers can spread the cost over an agreed loan term while preserving cash flow.
A range of finance options are available depending on the type of asset, ownership preferences and financial objectives. Loan structures can also vary to suit different business and tax requirements.
Common Asset Finance Scenarios
Asset finance can be used across a wide range of industries and asset types
Replacing or Expanding Assets
Whether replacing ageing equipment or investing in additional assets to support business growth, asset finance can provide access to the equipment required without tying up valuable capital. This can allow businesses to adapt as operational requirements change.
Purchasing Business Vehicles
Asset finance can help fund the purchase of business vehicles, from a single work vehicle to an entire fleet, without requiring a significant upfront capital outlay. Examples include cars, utes, vans, trucks and other commercial vehicles used for business purposes.
Managing Cash-flow
Rather than paying the full purchase price upfront, structured repayments allow businesses to spread the cost of major asset purchases over time. This method can help preserve working capital, improve cash flow management and support ongoing business operations.
Upgrading Equipment
Finance can be used to purchase or upgrade machinery, equipment and specialised tools required to support day-to-day business operations. This can help businesses stay productive, improve efficiency and invest in equipment as operational needs evolve.
Purchasing Business Vehicles
Asset finance can help fund the purchase of business vehicles, from a single work vehicle to an entire fleet, without requiring a significant upfront capital outlay.
Examples include cars, utes, vans, trucks and other commercial vehicles used for business purposes.
Upgrading Equipment
Finance can be used to purchase or upgrade machinery, equipment and specialised tools required to support day-to-day business operations.
This can help businesses stay productive, improve efficiency and invest in equipment as operational needs evolve.
Managing Cash Flow
Rather than paying the full purchase price upfront, structured repayments allow businesses to spread the cost of major asset purchases over time.
This method can help preserve working capital, improve cash flow management and support ongoing business operations.
Replacing or Expanding Assets
Whether replacing ageing equipment or investing in additional assets to support business growth, asset finance can provide access to the equipment required without tying up valuable capital.
This can allow businesses to adapt as operational requirements change.
Factors Lenders May Consider
Asset finance assessments vary depending on the type of asset and the borrower's circumstances. Key factors typically include:
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Type, value and age of the asset
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Business financial position and cash flow
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Credit history and trading performance
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Tax and ownership structure preferences
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Asset usage and operational purpose
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Intended use of asset
If you'd like to compare Asset Finance options to support your equipment and vehicle needs, obligation free, please get in touch.
Related Lending Solutions
Depending on your strategy, Investment lending can often overlap with other finance solutions, including:
Solutions tailored to your business and property goals, with options for Self-Employed borrowers
Designed to support portfolio growth and long-term wealth creation
For time-sensitive or non-standard lending scenarios requiring flexible funding solutions
Lending criteria, fees, charges and eligibility requirements vary between lenders. All applications are subject to individual assessment and lender approval.