Equipment & Asset Finance

Asset finance is part of a bigger conversation

Asset finance is often treated as a commodity: compare rates, pick the lowest, done. But the structure of the facility matters as much as the rate, including who owns the asset, how it's treated on the balance sheet, what it does to your borrowing capacity, and whether the repayment profile makes sense for your cashflow cycle.

We work through these questions before recommending a product, and we have access to a range of specialist asset finance lenders beyond the major banks, which gives us more flexibility on approval terms for higher-risk asset classes.

What we can help with

• Chattel mortgage for business-use assets
• Finance lease where flexibility and end-of-term options matter
• Commercial hire purchase
• Sale and leaseback of existing assets to free working capital

Asset types

We work across most commercial asset categories including vehicles and fleets, yellow goods and earthmoving, manufacturing and processing equipment, medical and dental equipment, technology and fit-out, and marine and aviation.

Tax and accounting considerations

The structure of an asset finance facility has direct implications for GST, depreciation, and how the liability appears on your balance sheet. We work alongside your accountant or tax adviser to make sure the structure fits your reporting requirements. It is not an afterthought.