Equipment & Asset Finance
The asset you want decides the lender. We work out which one before you commit.
We’ll plan around what you can borrow, what deposit you need and which lenders finance your asset type, so the purchase is funded without draining your savings for everything else.
A conversation, not an application. Tell us what you are buying and how you will use it.
Equipment and Asset Finance
Not Every Lender Finances Every Asset
Some are motor vehicle specialists. Others write commercial equipment, machinery or specialised industries. We start by working out which ones write yours, before anything else is discussed.
One File For All Your Needs
If we have already done your home loan or your commercial premises, we already have the structure. You won’t explain again from the beginning.
Secure Your Cashflow
Spreading the cost over an agreed term keeps capital available for what your lifestyle or business needs next.
EQUIPMENT FINANCE
Choosing Your Structure: Chattel Mortgage vs. Lease vs. Rental
How your finance is structured impacts your cash flow, ownership rights, and balance sheet. Deciding on a funding path isn't just about chasing the lowest interest rate; it’s about aligning the loan contract with your business asset replacement cycles.
Tax Treatment & The Instant Asset Write-Off
Financing an asset doesn't mean missing out on immediate tax incentives. Under current Australian tax frameworks, eligible businesses utilizing a chattel mortgage can frequently claim an immediate deduction for the full value of the equipment rather than depreciating it slowly over several years. We look past basic finance approvals to package your facility cleanly, ensuring your structure aligns perfectly with your accountant’s EOFY strategy to maximize your business cash flow from day one.
60+ lenders. 30+ years of knowing which ones to call.
Asset Finance Testimonial
“Without Finans Brokers guidance, advocacy and industry connections during our pre-approval and formal approval process I honestly do not think we would have had any success. I cannot recommend this team enough.”
Sophie D.
FINANS Client
Equipment & Asset Finance FAQs
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Our initial conversation is free, with no obligation to proceed. For most home loans, we’re paid a commission by the lender when your loan settles, so there’s no broker fee payable by you.
For commercial, business or equipment finance, or more complex lending, a fee may apply. We’ll explain how we’re paid and confirm any fees before you decide to proceed.
Any lender fees or other loan costs will also be explained, so you know what to expect.
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Not always. Some lenders offer no-deposit finance. Others want a contribution, depending on the asset, your financial position and the type of lending. We will explain which applies to you and why.
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In many cases yes. Most lenders will finance both new and used, although eligibility varies with the age, type and condition of the asset.
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Timeframes vary by lender and by how complex the application is. Where you have a deadline, we will recommend lenders whose turnaround suits it and keep you updated throughout.
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That depends on your financial position, the asset you are purchasing and how each lender assesses it. We will look at your circumstances and give you a clear figure to work with rather than a range.
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Many asset finance products allow it, though fees or conditions may apply depending on the lender and the structure. We explain those upfront so you know before you proceed, not after.x
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It depends on whether you are applying as an individual or a business. After the first conversation we send a personalised email with links to the secure online Fact Find and the FileInvite portal, so the whole thing is done online at a time that suits you.
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Probably. If the asset supports your business, generates income or improves your lifestyle, there is a good chance we can. We will assess it and identify the lenders that specialise in that kind of purchase.