FAQs

We finance prime movers, trailers, tipper trucks, utes, and specialised commercial vehicles.

Yes. Even if you’re new to the industry, we offer options such as low-doc truck loans.

Yes, we can fund both dealership and private sales.

Yes, many businesses can claim GST, interest, and depreciation. It’s best to confirm with your accountant.

Loan terms typically range from 1 to 7 years, depending on your needs and the lender.

Asset finance is a type of loan that helps you purchase business-related assets such as vehicles, trucks, machinery, or equipment. Instead of paying upfront, you can spread the cost over time with flexible repayment options.

You can finance a wide range of assets, including:
-Cars, vans, and utes
-Trucks and trailers
-Construction and earthmoving equipment
-Agricultural and farming machinery
-Office, IT, and medical equipment
-Leisure and marine assets (boats, caravans, motorhomes)

In most cases, the asset you purchase is used as security for the loan. This often means you don’t need to offer additional property or collateral.

Yes, even start-ups can access asset finance. If your business is new or doesn’t have a long financial history, low-doc finance options may be available.

Chattel Mortgage – You own the asset from day one, with potential tax benefits.
Finance Lease – You lease the asset and return, upgrade, or buy it at the end of the term.
Hire Purchase – You pay in instalments and own the asset once the final payment is made.

Yes, finance is available for both new and second-hand assets, whether purchased through a dealer or private sale.

Approvals can often be completed in 24–48 hours, depending on the type of loan and documents provided.

Yes, depending on the loan type and your business structure, repayments or depreciation may be tax-deductible. We recommend speaking with your accountant to understand what benefits apply to you.

Yes, most lenders allow early payouts, although some may charge small fees. This can reduce your overall interest costs.

Even if you have a less-than-perfect credit history, we may still be able to help. There are specialist lenders who consider your circumstances and business potential.

Yes, we finance both new and used cars, whether purchased from a dealer or private seller.

Secured Loan – The car is used as security, usually giving you a lower interest rate.
Unsecured Loan – No security is required, offering more flexibility but at slightly higher rates.

Yes, we offer low-doc car loans for self-employed applicants who may not have traditional financial documents.

In most cases, you can be approved in 24–48 hours, provided all documents are ready.

Yes, we have finance options for prestige, luxury, hybrid, and electric vehicles.

We cover construction, earthmoving, farming, medical, manufacturing, and office equipment.

Yes, both new and used equipment can be financed.

Not always – low-doc finance options are available for self-employed or smaller operators.

Yes, many businesses choose to refinance or add-on finance to upgrade equipment as they grow.

Lease – Lower upfront costs, with the option to upgrade at the end of the term.
Chattel Mortgage / Hire Purchase – Own the asset and claim depreciation and tax benefits.

Balloon refinance lets you spread out your final lump-sum payment (balloon payment) into manageable repayments over a new loan term.

No, you can pay it in full if you prefer. Refinancing just gives you more flexibility if you don’t want to use savings or cash reserves.

Car loans, truck loans, machinery finance, and business vehicle loans can all include balloon payments that can be refinanced.

Yes, some lenders specialise in helping applicants with less-than-perfect credit.

Typically, terms range from 1 to 5 years, depending on the lender and asset type.

It’s an additional warranty that covers your vehicle for mechanical and electrical repairs after the manufacturer’s warranty ends.

Servicing and maintenance aren’t usually covered, but repairs to covered parts and components are included.

Yes, extended warranties are available for both new and used cars.

In most cases, yes. This can also boost the resale value of your vehicle.

Coverage varies depending on the plan. We’ll help you choose the right level of protection for your car.

It’s short-term finance that gives you quick access to working capital to cover expenses, smooth cash flow, or invest in growth.

Servicing and maintenance aren’t usually covered, but repairs to covered parts and components are included.

Often, no. Many lenders provide unsecured cash flow loans, meaning no property or assets are required as collateral.

Yes. Even new businesses can access funding, although terms may vary depending on your trading history.

You can use it for wages, supplier costs, stock purchases, marketing, repairs, or business expansion.