Finance for Vehicles, Machinery, Technology & Fit-outs
Upgrade or expand without tying up cash. Our expert finance brokers secure funding for vehicles, plant, medical/CNC equipment, IT and POS systems, and full fit-outs matched to your cashflow and tax position. Choose from leasing, hire purchase, chattel mortgages, fit-out finance, or sale & hire-back across 30+ lenders, with sharp terms and fast approvals.
Finance for Vehicles, Machinery, Technology & Fit-outs
Upgrade or expand without tying up cash. Our expert finance brokers secure funding for vehicles, plant, medical/CNC equipment, IT and POS systems, and full fit-outs matched to your cashflow and tax position. Choose from leasing, hire purchase, chattel mortgages, fit-out finance, or sale & hire-back across 30+ lenders, with sharp terms and fast approvals.
Why Use a Broker?
Expert advice
We match structure (chattel mortgage, finance lease, hire purchase) to your goals—ownership, GST timing, and depreciation so repayments and residuals suit real cashflow.
Quick turnaround
Low-doc where eligible, supplier quotes handled, and settlement coordinated directly so you get assets working sooner.
Broad lender access
We compare over 30 lenders (banks and specialists) for price, policy, speed, and asset appetite including older gear or niche industries.
Transparent fees
We outline rates, fees, residual/balloon options, and tax considerations upfront. If a brokerage fee applies, you’ll know before proceeding.
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How We Find You the Right Facility
Step 1: Discovery & Cashflow Fit
We confirm asset type, usage, lifespan, budget, and preferred terms; then map seasonal cashflow and tax settings.
Step 2: Structure & Shortlist
We compare lease, hire purchase, and chattel mortgage (plus novated/fleet if relevant), including residuals/balloons and end-of-term outcomes.
Step 3: Approval & Settlement
We package financials (or low-doc alternatives), negotiate pricing, and coordinate with your supplier for speedy settlement and delivery.
Step 4: Post-Setup Review
We check repayments, residual timing, and options to add or refinance assets as your business grows.
Asset & Equipment Finance Products
Cars, utes, vans, trucks individual assets or full fleets. Options for balloons, seasonal repayments, and novated leasing for staff.
Servers, laptops, POS, telecoms, and software bundles keep tech current with predictable repayments and easy refresh cycles.
CNC, fabrication, agriculture, warehousing, medical and dental equipment. Lenders with strong appetite for heavy or specialised gear.
End-to-end funding for shop, clinic, or office fit-outs covering joinery, signage, HVAC, furniture, and equipment under one facility
Unlock cash from assets you already own: sell to the lender and lease back to improve liquidity without interrupting operations.
For eligible, established businesses. Use BAS, bank statements, or accountant letters to speed up approvals.
Freequently Asked Question
Typically: photo ID, ABN/GST registration, recent BAS and/or business financials (P&L, balance sheet) or bank statements, plus a supplier quote/invoice with serials/specs. For companies/trusts, include company extract, trust deed/constitution, and director IDs. For used/private-sale assets, lenders may ask for an inspection or valuation. We’ll send a simple checklist and template pack..
Chattel mortgage: You own the asset from day one; potential GST input credit upfront (ATO rules apply). Repayments include principal/interest; you claim depreciation and interest.
Finance lease: Lender owns asset; repayments are deductible; residual is mandatory good for regular upgrades.
Hire purchase: Ownership transfers after final payment; different GST timing than chattel.
We’ll model whole-of-term cost, cashflow impact, residual/balloon settings, and coordinate with your accountant.
Yes common on vehicles and some equipment. A balloon (chattel) or residual (lease) lowers monthly repayments by deferring a lump sum to the end. We size it against expected resale value, asset life, and usage to avoid shortfalls (e.g., 20-40% for many vehicles, lower for fast-depreciating gear). We’ll plan your end-of-term path: pay out, refinance, or trade-in.
With complete documents, standard vehicle or common equipment deals can be decisioned in 24–72 hours. More complex scenarios (older/specialised assets, private sales, fit-outs) may take 3–10 business days due to valuation and extra credit checks. Speed it up by providing full docs on day one, a clear supplier quote, insurance details early, and quick e-signing.Simple vehicle or standard equipment deals can approve in 24-72 hours with complete docs. Complex or specialised assets may take longer.
Usually yes the lender registers a PPSR charge over the asset and you keep possession/use. For higher-risk deals (older/niche assets, new businesses), lenders may request a director’s guarantee or additional collateral. We structure and negotiate to minimise extras (e.g., avoiding real-property charges where policy allows).
Often, yes. Appetite depends on age, hours, condition, service history, and resale market. Expect potential inspection/valuation and sometimes shorter terms or adjusted residuals. Private-sale assets are possible with proof of ownership, clear title, and correct serials. We’ll shortlist lenders that actively fund your asset class and negotiate pragmatic conditions.
Ready to Move Forward?
Let’s fund your next vehicle, machine, or fit-out fast. We’ll compare lenders, structure repayments, and coordinate settlement so your assets start earning sooner.
Lenders in our Panel
We have over 30 lenders in our lending panel and some of our majors are listed below:
