Asset Finance Overview — Connections Australia Wide
Start with the broad asset-finance categories and common structures, then continue to the dedicated truck, equipment or commercial-vehicle page that matches the asset.
What You Can Explore
Explore the types of assets and commercial requirements that may be discussed with an independent finance professional.
Transport Equipment
- Trucks & prime movers
- Trailers & semi-trailers
- Buses & coaches
- Forklifts & material handling
Heavy Equipment
- Cranes & EWPs
- Earthmoving equipment
- Excavators & loaders
- Graders & compactors
Plant & Machinery
- Manufacturing equipment
- Food processing machinery
- Printing & packaging equipment
- CNC & fabrication machinery
Agricultural Equipment
- Tractors & harvesters
- Irrigation systems
- Livestock handling equipment
- Grain handling & storage
Technology & Fit-out
- IT equipment & servers
- Office & commercial fit-outs
- Medical & dental equipment
- Solar & energy systems
What Is Asset Finance?
Asset finance is an umbrella term for structures businesses may use to acquire income-producing assets over time. This overview covers the broad categories; the dedicated Truck Finance, Equipment Finance and Commercial Vehicle Finance pages address their distinct asset and operating considerations.
Common Australian structures include chattel mortgages, finance leases, operating leases and commercial hire purchase. Names, availability, ownership, accounting and tax treatment depend on the provider, agreement and business circumstances. An independent finance professional and the business’s accountant can explain their respective areas.
Asset Connect Australia can refer businesses to appropriately qualified or licensed asset finance professionals. Those professionals determine which providers, structures and pricing may be available after assessing the business and asset.
Key Points
- Chattel mortgage, finance lease, operating lease and commercial hire purchase are structures a business may compare
- The financed asset may serve as security; providers can require other security or guarantees
- Some providers may offer high loan-to-value structures for eligible assets; deposit requirements vary
The Benefits of Getting Referred
Preserve Working Capital
Instead of paying cash for expensive equipment, spread the cost over time and keep your working capital available for day-to-day operations and growth.
Potential Tax Advantages
Under a chattel mortgage, interest and depreciation may be deductible. Your accountant can advise on the best structure to maximise your tax position.
Deposit Options Vary
Some providers may fund a high proportion of an eligible asset’s value, while others may require a deposit. The relevant professional can explain provider criteria.
Finance New and Used Assets
Asset finance is available for brand new equipment as well as quality used assets, including private sales from other businesses.
Provider Timelines Vary
Some providers may move quickly once complete information is supplied, while more complex assets or applications can take longer. Timing is determined by the provider.
Specialist Industry Knowledge
Our network includes brokers with deep knowledge of specific industries — transport, construction, agriculture, and more — ensuring appropriate valuations and lender selection.
Who Is This For?
A Clear Connection Process
Submit Your Enquiry
Fill in our simple online form — tell us what you're looking for and we'll use your enquiry to identify a relevant connection.
A Specialist Reviews Your Enquiry
We can connect you with an appropriately qualified or licensed finance professional. They independently assess your circumstances and explain available provider options.
Discuss Your Options
The relevant professional discusses products, pricing, eligibility and next steps with you. You decide whether to proceed, subject to the provider’s terms.
Decide Directly
You discuss the available options directly with that independent professional or provider. Asset Connect Australia does not determine eligibility, rates, terms, approval or suitability.
Frequently Asked Questions
Available Australia Wide
Our connection service is available across every state and territory. We can introduce you to an independent professional whose experience is relevant to your market and situation.
New South Wales
Sydney, Newcastle, Wollongong, Central Coast
Victoria
Melbourne, Geelong, Ballarat, Bendigo
Queensland
Brisbane, Gold Coast, Sunshine Coast, Townsville
Western Australia
Perth, Fremantle, Mandurah, Bunbury
South Australia
Adelaide, Mount Gambier, Whyalla, Victor Harbor
Tasmania
Hobart, Launceston, Devonport, Burnie
Australian Capital Territory
Canberra, Queanbeyan, Belconnen
Northern Territory
Darwin, Alice Springs, Katherine, Palmerston
Ready to Get Started?
Fill in your details below and our team will review your enquiry. If appropriate, your details may be shared with an independent professional who will contact you about available options. Timing, eligibility and any costs depend on that professional and provider.