Start with the questions that matter
Should we use cash or preserve working capital?
Does the term match the asset's useful life?
Is there a balloon or residual amount at the end?
Match the facility to the asset
A work vehicle and specialist machinery may have different useful lives, resale values and funding options. We consider the purchase price, deposit, term, repayment pattern, security and any end-of-term obligation.
Your accountant should confirm the accounting, GST and tax treatment before you choose a structure.
Assets we can discuss
- Commercial cars, utes, vans and trucks
- Plant and machinery
- Trade and construction equipment
- Technology and office equipment
- Medical or professional equipment
- New or used assets acceptable to the lender
- Refinancing eligible existing assets
Look beyond the monthly repayment
A longer term can lower the regular repayment but may increase total interest and extend debt beyond the asset's most productive period. Fees, early-repayment terms, residual or balloon amounts and insurance requirements also matter.
We explain the available lending terms and help prepare the application, but the lender will assess the business, the borrower and the asset before approval.
Debt matched to the asset that earns.
We match the debt to the asset and the way it earns for the business. The focus is usable cash flow and total structure — not simply the lowest displayed repayment.
Asset finance approval and terms depend on the borrower, business performance, asset type, age, value and lender criteria.
