Asset Finance For Australian Businesses

  • Asset Finance For Australian Businesses

Asset Finance For Australian Businesses: Equipment, Vehicles And Fit-outs

Asset finance helps businesses acquire income-producing equipment without tying up cash or overdrafts. This can include vehicles, machinery, technology, medical equipment and more.

Grow your business without draining your cash buffer

Using tailored asset finance can align repayments with the income generated by the asset.

Key questions this blog answers

  • What is asset finance and how does it work?
  • What types of business assets can be funded?
  • How do chattel mortgages, leases and hire purchase differ?
  • What information do lenders need for asset finance?
  • How can asset finance improve cash flow and tax efficiency?

Common asset finance structures

  • Chattel mortgage: Business owns the asset from settlement; potential tax benefits via depreciation and interest deductibility (subject to advice).
  • Finance lease: Lender owns the asset; business leases it for an agreed term.
  • Operating lease: Often used for technology and vehicles where upgrades are frequent.

Lenders usually review ABN registration, trading history, financial statements and bank statements. Stronger businesses may qualify for “low doc” or “no financials” options for smaller amounts.

Strategic benefits

  • Preserve working capital and overdrafts for other needs
  • Match repayments to seasonal or project-based income
  • Potential tax and GST benefits (obtain tax advice)

A broker can structure facilities across multiple lenders to suit your industry and growth stage.