Commercial Asset Finance.
Commercial finance structured to grow your business, not stretch it.
Overview
Commercial asset finance is where structure matters most. The choice between chattel mortgage, hire purchase, finance lease and rental affects your GST treatment, depreciation claims, balance sheet and cash flow, often by tens of thousands over the loan life. We work with your accountant to land the right structure, then run the lender market to land the right price.
We finance utes, vans, prime movers and trailers, plant and machinery, fit-outs and IT, with low-doc options for ABNs over 2 years and full-doc options for larger or specialised loans.
Commercial rates depend on ABN age, asset class, deposit and serviceability. We'll quote real numbers after a 10-minute call.
Who this is for
Key benefits
- GST claimable up-front on chattel mortgage
- Depreciation and interest deductibility
- Low-doc options for ABNs 2+ years (no financials needed)
- Seasonal and structured repayments available
- Fast turnaround on standard asset classes
- Lender panel that prices business credit properly
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement and remain available post settlement whenever you need us.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
You own the asset from day one. GST claimable up-front, full depreciation, interest deductible. The default choice for most operators.
The lender owns the asset, you lease it. Repayments fully deductible, residual at end of term. Useful for off-balance-sheet treatment.
Older structure, similar to chattel mortgage but with delayed ownership. Mostly displaced by chattel for tax reasons.
Best when you want the asset off the balance sheet entirely or plan to upgrade in 2-3 years.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
5-year-old ABN, $58k van. Low-doc chattel mortgage approved in 24 hours at a tier-2 bank rate.
$220k truck plus $45k trailer. Structured as separate loans to keep flexibility on future trades.
$95k mixed equipment finance package, with first 3 months interest-only to align with ramp-up cash flow.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Director ID
- ABN and GST registration
- Asset invoice or quote
- Property ownership or rental history
- Director ID
- Last 2 years financials
- Last 2 years tax returns
- Recent BAS and ATO portal
- Asset details
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
Chattel vs lease isn't a one-size answer. Always check with your accountant, we'll loop them in before you commit.
Some lenders focus on director income, while others place more weight on business cash flow. We match your application to the lender most suited to your circumstances.
Operating leases can have steep early termination costs. Worth knowing before the asset arrives.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.