Asset Finance Australia-Wide
Equipment, Vehicle, Business & Agricultural Finance
Asset Finance Partners provides specialist asset finance solutions across Australia, helping businesses and individuals secure funding for the equipment, vehicles and machinery that drive productivity, profitability and growth.
We arrange asset finance for clients across New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania, the Australian Capital Territory and the Northern Territory, supporting businesses in Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart, Darwin and regional Australia.
From HVAC systems and cool rooms, to forklifts and packaging lines, to prime movers and construction machinery, to tractors, harvesters and irrigation systems, Asset Finance Partners structures funding that aligns with cashflow, asset life, utilisation and tax strategy.
📞 Call Asset Finance Partners on 0425 658 060 to discuss your requirements.
Types of Asset Finance We Provide
The Asset Finance Options We Arrange
Choosing the right asset finance structure can impact cashflow, tax outcomes, balance sheet presentation, end-of-term flexibility, and approval strength. Below are the common finance options in Australia—and when each one is typically used.
Chattel Mortgage (Most common for business equipment & vehicles)
A chattel mortgage is a business loan where you own the asset from day one, while the lender takes security over it until the loan is repaid. This structure is popular for business vehicles, equipment, forklifts, HVAC, medical equipment, and machinery.
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You may be able to claim GST input credits upfront (if GST-registered and eligible).
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You may be able to claim interest and depreciation (speak with your accountant).
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Often allows a balloon / residual to reduce monthly repayments.
Best for: ABN holders wanting ownership, tax effectiveness, and competitive terms.
Equipment Loan / Commercial Loan (Simple ownership-style lending)
A standard equipment loan is similar to a chattel mortgage in practice: you finance an asset and repay it over a term aligned to the asset’s useful life. This is widely used for plant, equipment, office hardware and business machinery.
Best for: straightforward purchases where you want ownership and predictable repayments.
Finance Lease (Use now, flexibility at end)
A finance lease typically means you lease the asset for a fixed term and have options at the end (for example: pay out, refinance, or upgrade—depending on lender structure). It can be useful for businesses that prefer to manage cashflow and refresh assets over time.
Best for: businesses that want asset access with end-of-term flexibility.
Operating Lease (Often for fleets / vehicles where available)
An operating lease is often structured around use rather than ownership, and can suit fleets or certain commercial vehicle arrangements (availability depends on lender/product and your profile).
Best for: businesses prioritising upgrades and predictable costs.
Novated Lease (For employees – business car via salary packaging)
A novated lease is typically used for employee vehicles where repayments are deducted from salary packaging arrangements (subject to employer participation and rules).
Best for: employees or companies using salary packaging programs.
Rental / Rent-to-Own / Short-Term Solutions (Sometimes used for speed)
Some lenders offer rental-style products for specific equipment categories, sometimes prioritising speed and simplicity.
Best for: scenarios where quick deployment matters and the asset category suits the product.
Balloon / Residual Payments (Cashflow control tool)
Many business asset finance structures allow a balloon (final lump sum) or residual. This can reduce monthly repayments—helpful for managing cashflow—especially where the asset retains value.
Best for: fleets, vehicles, and equipment with predictable resale value.
Low Doc / Alt Doc Asset Finance (When financials are light)
Where eligible, lenders may assess using alternative evidence (bank statements, BAS, ABN/GST tenure, trading history).
Best for: self-employed borrowers, newer businesses, or fast-moving opportunities.
New vs Used Asset Finance (Different credit appetite)
Used asset finance can be available depending on age, condition, asset class, and lender policy. More specialised assets may require additional details (serial numbers, invoices, valuations).
Best for: buyers purchasing used machinery, forklifts, trucks, trailers, equipment.
Bundling Costs (Quotes, delivery, install, fitout components)
In many cases, eligible costs like delivery, installation, accessories, and sometimes fitout components can be bundled if structured correctly.
Best for: HVAC installs, cool rooms, medical fitouts, warehouse setups, automation projects.
If you want the best outcome, the right move is matching the asset and borrower to the right structure—not forcing every deal into a one-size approach.
Business & Commercial Asset Finance
Business and commercial asset finance covers assets that support operations, production, storage, logistics, sales, administration, and fulfilment. This is ideal for hospitality, manufacturing, warehousing, medical and dental, retail, printing, logistics and technology-driven SMEs across Australia.
Funding for cool rooms, panels, compressors, refrigeration plant and installation for hospitality venues, food producers, butchers, pharmaceutical storage and florists.
Funding for commercial HVAC systems including split systems, ducted systems, VRF/VRV, rooftop units, ventilation and air-quality upgrades across offices, retail centres, gyms, medical facilities and industrial premises.
Funding for ovens, cooktops, exhaust systems, dishwashers, benches, grease traps and commercial kitchen fitouts.
Funding for display fridges, beverage fridges and merchandising refrigeration to increase sales and improve customer experience.
Funding for walk-in fridges, freezers, chillers, under-bench refrigeration and upgrades to reduce operating costs.
Funding for presses, benders, rollers, guillotines and fabrication machinery.
CNC Routers FinanceFunding for CNC routers used in joinery, cabinetry, signage, plastics and metal fabrication.
Funding for robotic systems and automation cells to increase throughput and reduce labour bottlenecks.
Funding for laser cutting machines and associated extraction and installation.
Funding for production automation, integrated systems and efficiency upgrades.
Funding for industrial welders, welding bays, extraction systems and workshop upgrades.
Funding for industrial ovens used in powder coating, curing, drying and heat treatment.
Manufacturing Equipment Finance
Funding for general manufacturing equipment to increase capacity and production quality.
Funding for dental chairs and surgery equipment packages.
Funding for diagnostic X-ray equipment, subject to lender and compliance requirements.
Funding for eligible medical imaging equipment and associated installation costs.
Funding for laboratory and pathology diagnostic equipment.
Funding for eligible practice fitouts, cabinetry, equipment and technology.
Funding for ultrasound machines and clinical imaging tools.
Funding for commercial digital printers for print shops and production environments.
Funding for label printers used in logistics, warehousing and manufacturing.
Funding for POS hardware and business rollouts.
Multifunction Devices FinanceFunding for copier, printer and scanner bundles.
Funding for folding, inserting and mail-processing equipment.
Eligible software funding when bundled with hardware or equipment.
Funding for routers, switches, firewalls and commercial Wi-Fi systems.
Funding for laptops, desktops, servers and business IT infrastructure.
Funding for photocopiers used across offices and professional services.
Funding for wide-format printers used in signage, engineering and architecture.
Funding for commercial and office printers.
Funding for warehouse racking and storage systems where eligible.
Funding for new and used forklifts to support warehousing and logistics operations.
Funding for reach trucks used in high-bay storage and fulfilment.
Conveyor Belt FinanceFunding for conveyors and warehouse automation systems.
Funding for pallet jacks and handling equipment.
Funding for automated and semi-automated packaging lines.
Construction & Heavy Equipment Finance
Asset Finance Partners supports contractors, civil operators, quarrying businesses, mining services and plant hire companies across Australia. We structure repayments around project cashflow, utilisation rates, and contract realities, with options to support expansion, replacement, and fleet upgrades.
Vehicle & Lifestyle Asset Finance
We arrange finance for income-producing vehicles and selected lifestyle assets where appropriate. This includes trades, logistics, delivery, transport operators, mobile businesses and professionals Australia-wide.
Buses finance
Agricultural & Primary Industry Finance
We provide agricultural finance solutions structured around seasonality, harvest cycles, and production cashflow, supporting farms and primary producers across regional and rural Australia.
Agricultural Equipment Finance
How We Help You Get Approved Faster (Australia-Wide)
Asset finance approvals are strongest when the deal is packaged properly. Asset Finance Partners helps you present the application in a way lenders prefer, including:
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clear asset details (make/model/year for used assets where relevant)
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quote or invoice structure that supports bundling eligible costs
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matching your profile to the right lender appetite (asset type + risk class)
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selecting the right term and balloon/residual for cashflow
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fast documentation collection for urgent purchases
We work with clients across Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart, Darwin and regional Australia, including remote operating regions where equipment is deployed.
Asset Finance Australia FAQs
Do you offer asset finance Australia-wide?
Yes. Asset Finance Partners provides asset finance across NSW, VIC, QLD, WA, SA, TAS, ACT and NT, including capital cities and regional Australia.
Can you finance used equipment and machinery?
Often yes, subject to asset age, condition and lender policy. Used assets may require additional details such as serial numbers, invoices or valuations.
Can installation and delivery be included in the finance?
In many cases, eligible costs like delivery and installation can be bundled where structured correctly.
Which finance option is best—chattel mortgage, lease or loan?
It depends on whether you want ownership upfront, end-of-term flexibility, or a structure tailored to cashflow and tax planning. We match the right structure to your situation.
Get an Asset Finance Quote Today (Australia-Wide)
If you’re looking to finance equipment, vehicles or machinery anywhere in Australia, Asset Finance Partners can structure a solution that fits.
📞 0425 658 060
Submit an enquiry and we’ll respond promptly.