What is asset finance?

Asset finance allows Australian businesses to acquire equipment, vehicles, or machinery by spreading costs over time rather than paying upfront. The financed asset is used as security, helping businesses maintain cash flow while securing essential tools.

How does equipment finance work in Australia?

Equipment finance in Australia allows businesses to fund the purchase of machinery, vehicles, or technology through products like chattel mortgage, finance lease, or commercial hire purchase. A broker like Asset Finance Partners matches you with the right lender from a panel of 40+ banks and non-bank lenders.

How quickly can I get pre-approved for asset finance?

Asset Finance Partners typically provides pre-approval responses within 24 hours for standard applications. Same-day responses are available for qualified borrowers.

Do I pay a fee to use Asset Finance Partners?

No. Asset Finance Partners charges no broker fee to clients. Our fee is paid by the lender upon settlement.

What types of assets can be financed?

Asset Finance Partners finances vehicles, trucks, trailers, construction equipment, excavators, cranes, agricultural machinery, medical and dental equipment, manufacturing equipment, technology, and fitouts across all major industries.

Does Asset Finance Partners operate across all of Australia?

Yes. While our team is based in Bondi Junction, Sydney, we arrange asset finance and equipment finance for businesses across all Australian states and territories including NSW, VIC, QLD, WA, SA, and regional areas.

What is a chattel mortgage?

A chattel mortgage is a common business finance product in Australia where the lender takes a security interest over the asset while you own it from day one. It offers potential tax advantages including GST claims and depreciation deductions for eligible businesses.

Can I get vehicle finance for my business through Asset Finance Partners?

Yes. Asset Finance Partners arranges business car finance, commercial vehicle finance, truck finance, ute finance, van finance, and fleet funding for ABN holders across Australia.

Asset Finance Products Australia

Compare Chattel Mortgages, Novated Leases, Finance Leases & Commercial Asset Finance Solutions

Asset Finance Partners helps Australian businesses, self-employed professionals and commercial operators compare tailored asset finance products designed to fund vehicles, machinery, equipment and operational assets efficiently.

Choosing the correct finance structure can significantly impact:

Cash flow management
Monthly repayment obligations
GST treatment
Tax effectiveness
Asset ownership
Upgrade flexibility
Balance sheet positioning
Long-term business scalability

Whether you are financing a commercial vehicle in Sydney, construction equipment in Melbourne, a fleet in Brisbane or machinery in Perth, Asset Finance Partners helps structure finance solutions aligned with your operational and financial objectives.

Based in Bondi Junction and servicing clients Australia-wide, we assist businesses across NSW, Victoria, Queensland, Western Australia, South Australia, Canberra and regional Australia.

Asset Finance Products

Chattel Mortgage

Chattel Mortgage Finance Australia

A chattel mortgage is one of the most widely used commercial finance products in Australia for businesses purchasing vehicles, machinery or equipment primarily for business use.

Under a chattel mortgage:

The business owns the asset immediately
The lender takes security over the asset
Repayments are made over an agreed term
Balloon payment options may be available

Commonly Financed Under Chattel Mortgages

Commercial vehicles
Utes
Vans
Trucks
Excavators
Construction equipment
Landscaping machinery
Business equipment

Why Australian Businesses Use Chattel Mortgages

Potential GST input tax credit benefits
Flexible repayment structures
Potential tax deductibility
Balloon payment flexibility
Ownership from day one
Suitable for self-employed borrowers

Chattel Mortgage Solutions in Sydney, Melbourne, Brisbane & Perth

Asset Finance Partners assists businesses throughout:

Sydney
Melbourne
Brisbane
Perth
Adelaide
Gold Coast
Newcastle
Canberra
Wollongong
Sunshine Coast

Finance Lease

Finance Lease Solutions for Australian Businesses

A finance lease allows businesses to use vehicles or equipment while the lender retains ownership during the lease period.

At the end of the term, businesses may:

Upgrade equipment
Refinance the asset
Purchase the asset
Return the equipment

Common Finance Lease Applications

Commercial vehicle fleets
Construction equipment
Workshop machinery
Manufacturing equipment
Technology assets
Transport vehicles

Why Businesses Use Finance Leases

Lower upfront capital requirements
Improved cash flow management
Flexible equipment upgrade pathways
Potential taxation advantages
Preserved working capital

Finance Lease Solutions Across Australia

We help businesses compare finance lease products throughout:

Sydney
Melbourne
Brisbane
Perth
Adelaide
Regional Australia

Operating Lease

Operating Lease Finance Australia

Operating leases are commonly used by businesses wanting operational use of equipment or vehicles without long-term ownership exposure.

This finance structure is frequently used for:

Vehicle fleets
Commercial vans
Technology assets
Business equipment
Transport operations

Benefits of Operating Leases

Reduced ownership risk
Predictable operating expenses
Flexible upgrade cycles
Lower capital commitment
Simplified fleet management

Operating Lease Solutions for Australian Businesses

Operating lease products are particularly popular among:

Corporate businesses
Fleet operators
Logistics companies
Commercial contractors
Growing SMEs

Commercial Hire Purchase

Commercial Hire Purchase Australia

Commercial hire purchase allows businesses to progressively acquire ownership of vehicles or equipment through structured instalment repayments.

Common Commercial Hire Purchase Assets

Construction machinery
Trucks
Commercial vehicles
Manufacturing equipment
Heavy machinery
Trade equipment

Why Businesses Use Commercial Hire Purchase

Fixed repayment certainty
Flexible repayment terms
Long-term ownership pathway
Reduced upfront capital pressure
Suitable for large asset purchases

Commercial Hire Purchase Solutions Sydney to Perth

Asset Finance Partners structures hire purchase solutions for businesses across:

Sydney
Melbourne
Brisbane
Perth
Adelaide
Canberra
Regional Australia

Novated Lease

Novated Lease Australia

A novated lease is a salary packaging arrangement involving an employee, employer and finance provider that allows vehicle repayments and operating expenses to be paid from pre-tax salary.

Novated leasing is increasingly popular across Australia due to potential tax efficiencies and electric vehicle incentives.

Vehicles Commonly Financed Under Novated Leases

Electric vehicles
Hybrid vehicles
Passenger vehicles
SUVs
Luxury vehicles
Used cars

Why Australians Use Novated Leasing

Potential income tax savings
Bundled vehicle expenses
Potential fuel savings
Electric vehicle tax incentives
Simplified budgeting
Salary packaging advantages

Electric Vehicle Novated Lease Solutions

Demand for EV novated leasing has increased significantly across:

Sydney
Melbourne
Brisbane
Perth

Particularly for:

Tesla
BYD
Polestar
BMW EV
Hyundai EV
Kia EV

Low Doc Asset Finance

Low Doc Asset Finance Australia

Low doc finance is designed for self-employed Australians, contractors and businesses without full financial statements readily available.

Depending on lender policy, approvals may be available using:

BAS statements
Bank statements
Accountant declarations
ABN registration history

Popular Among:

Electricians
Builders
Plumbers
Landscapers
Carpenters
Sole traders
Contractors
Small business owners

Why Businesses Use Low Doc Finance

Faster approval pathways
Reduced documentation requirements
Flexible income verification
Suitable for growing businesses
Helps recently established businesses access funding

Low Doc Finance Solutions Australia-Wide

Asset Finance Partners helps self-employed Australians throughout:

Sydney
Melbourne
Brisbane
Perth
Gold Coast
Newcastle
Wollongong
Regional Australia

Asset Refinance

Business Asset Refinance Australia

Asset refinance allows businesses to unlock equity held within existing vehicles, machinery or equipment.

Businesses commonly refinance:

Trucks
Excavators
Vehicle fleets
Commercial machinery
Business equipment

Why Businesses Use Asset Refinance

Improve business cash flow
Release working capital
Consolidate liabilities
Fund expansion opportunities
Reduce financial pressure

Asset Refinance for Australian Businesses

Common among:

Construction companies
Trade businesses
Transport operators
Manufacturing businesses
Commercial contractors

Balloon Payment Finance

Balloon Payment Asset Finance

Balloon payment structures allow businesses to reduce monthly repayments by deferring part of the asset cost until the end of the finance term.

Common Balloon Finance Applications

Commercial vehicles
Construction equipment
Fleet acquisitions
Machinery purchases

Benefits of Balloon Payment Structures

Lower monthly repayments
Improved cash flow flexibility
Greater short-term liquidity
Flexible refinance pathways

Asset Finance Products for Australian Industries

Asset Finance Partners structures finance solutions for businesses operating across:

Construction Industry

Builders
Civil contractors
Earthmoving operators

Trade Businesses

Electricians
Plumbers
Landscapers
Carpenters

Transport & Logistics

Fleet operators
Trucking businesses
Delivery companies

Manufacturing & Industrial

Joinery businesses
Workshop operators
Fabrication companies

Compare Asset Finance Products Australia-Wide

Asset Finance Partners assists businesses throughout:

New South Wales

Sydney
Newcastle
Wollongong
Central Coast

Victoria

Melbourne
Geelong
Ballarat

Queensland

Brisbane
Gold Coast
Sunshine Coast
Townsville

Western Australia

Perth

South Australia

Adelaide

Australian Capital Territory

Canberra

Tasmania & Regional Australia

Why Choose Asset Finance Partners

Asset Finance Partners works with a broad panel of Australian banks and specialist commercial lenders to help businesses compare tailored finance products and structures.

We focus on:

Fast approvals
Flexible finance structures
Low doc lending expertise
Commercial finance solutions
Vehicle and equipment finance
Australia-wide service
Ongoing support throughout the finance process

Frequently Asked Questions

What is the difference between a chattel mortgage and finance lease?

A chattel mortgage provides ownership from the outset, whereas a finance lease involves the lender retaining ownership during the lease term.

Is novated leasing available for electric vehicles?

Yes. Novated leasing is increasingly popular for EVs due to potential tax incentives and salary packaging benefits.

Can self-employed applicants obtain low doc asset finance?

Yes. Eligible self-employed applicants may access low doc finance using alternative financial documentation.

Can businesses refinance existing machinery or vehicles?

Yes. Asset refinance may allow businesses to unlock equity from existing commercial assets.

Speak With Asset Finance Partners

Looking to compare asset finance products for vehicles, equipment, machinery or business operations?

Asset Finance Partners helps Australian businesses structure tailored finance solutions designed around operational growth, cash flow management and long-term financial flexibility.

Speak with our team today to explore flexible commercial finance products.