Asset Finance

Invest in new equipment or upgrade your business assets to grow your business.

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Asset finance is primarily tailored towards self-employed clients, small business owners, and contractors. In saying that, it’s still possible to get personal asset finance, and one of the most popular options is for buying cars.

Compared to traditional forms of finance, the benefits of asset finance can include avoiding depreciation, freeing up capital, improving cash flow and reducing upfront costs.

The asset finance process.

It’s simple. We’ll find you the right asset finance solution that works in your best interest.

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Say Hello

Get in touch to discuss your current financial situation and goals, in person or online.

The shortlist

We’ll research our panel of banks and lenders to create a shortlist of asset finance solutions that suit you.

Pre-approval

Once you’ve chosen a lender, we’ll get you pre-approved.

You go shopping

Time for you to decide on the equipment you need to run or expand your business.

Secure the finance

We’ll complete all of the paper to work to secure finance from your lender.

You’re done!

The agreement is finalised, the asset purchased and you can begin to enjoy using it, without a large lump sum outlay.

Understanding common asset finance options.

Commercial hire purchase

Obtain the business equipment or car you need through a hire purchase loan, where you pay hire charges over a fixed period. As soon as all your hire purchase payments are complete, ownership of the asset is transferred to you.

Chattel mortgage

Commonly used by business owners and operators for car and equipment finance. With a chattel mortgage, the asset is owned by you from the outset and the loan agreement is secured by the asset.

Finance lease

Finance leases are flexible leases for businesses wanting the option to buy at the end of the lease or hand back the asset.

Novated lease

A novated lease is one of the easiest and most cost-effective ways to buy and own a car. This way, the financier owns the asset, while you and your employer sign a novation agreement to share the responsibilities of the loan.

Understanding common asset finance options.

Other things to consider: Balloon payments.

What?

You choose to pay a larger sum of the loan value at the end of the loan term. The sum you pay is usually based on a fixed percentage of the total loan value.

Why?

Reduce your repayments when you first start paying off the loan.
Consider how this will affect the amount of interest you pay over the life of the loan and the total amount that is left to pay at the end of your monthly repayment term. The remaining sum will need to be paid in full in one lump sum.

How do I know if this is right for me?

We can help you understand whether this approach suits your needs and run through the considerations and benefits in more detail. Get in touch.

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FAQs About Asset Finance.

How long is an asset finance term?

Asset finance is usually set over a period of one year through to seven years.

What is a residual amount?

A residual amount (sometimes referred to as a balloon payment) is a one-off payment at the end of the loan term. This is factored into the total cost of your loan at the beginning of the term.

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