Asset Financing

From vehicles to equipment, we’ll help you get the tools your business needs to succeed. We’ll connect you with the right lenders, negotiate terms to suit your budget and handle all the paperwork so you can focus on growing your business.

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Getting asset finance for your business in Sydney

Asset financing is a type of loan that gives your business access to important assets, such as equipment, vehicles, or machinery, without the need to pay the full amount upfront.

Typically, the asset being financed serves as collateral, just like in car loans. If you default on the loan, the lender has the right to seize the asset.

This setup reduces the risk for the lender and can help businesses get financing at more competitive interest rates than unsecured loans. It also enables your business to get the equipment it needs to stay competitive, but also maintain cash reserves you can use for other areas, such as inventory, staffing, or marketing.

We can simplify this whole process of asset financing for you, save you time, and obtain the perfect loan that will help your business grow efficiently. Speak with one of our expert brokers!

How can your business benefit from asset financing?

Improved Cash Flow

Asset financing protects your cash flow and preserves your working capital for other operational expenses or investment opportunities

Access to Expensive Equipment

It enables you to acquire the latest equipment or technology without the prohibitive costs.

Tax benefits

Payments on asset financing can often be deducted as business expenses, potentially providing tax benefits.

Asset financing options available to you

Finance Lease

With this type of asset financing, you lease an asset and make payments until the lease ends. Then, you can either pay off the remaining value and own it or return it.

Operating Lease

This is a good option if you like to switch up your equipment. It’s like renting the asset for a set period. Use it until the term's up, and then you simply hand it back.

Hire Purchase

A hire purchase is basically a purchase plan. You make regular payments on the asset, and once you’ve paid it all off, it’s all yours. Expect a small final fee just to seal the deal.

Chattel Mortgage

It's a loan secured by the asset you're buying. You own the asset from the get-go, but the lender has a 'mortgage' over it until you clear the loan.

Things to consider before getting asset financing

As with any loan, there are some risks that you might need to consider including:

Value of the Asset

If the value of the financed asset declines rapidly, you might end up owing more than the asset’s worth, particularly with a finance lease or chattel mortgage.


Since the asset usually serves as collateral, failing to make payments could lead to the lender repossessing it, which can disrupt your business operations.

Cash Flow

If the repayments are not well-aligned with your cash flow, there could be periods where it’s difficult to meet payment obligations, potentially leading to financial strain.

Interest Rate

For agreements with variable interest rates, there’s a risk that rates could increase, which would raise your repayment amounts.

Obligation Risk

With long-term agreements, you’re locked into making payments for the duration of the lease or loan term, which could become burdensome if your business situation changes.

To make sure that you’ll get the most suitable loan for your situation, speak with us. We’ll take out the hassle of getting an asset financed so you can keep your business moving.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Step 1

Reach out to us and let’s discuss your situation and what kind of loan you need.

Step 2

Sit back and relax while we search our network to find the perfect loan for you.

Step 3

Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions. 


We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

Looking to make a purchase or investment?

Find out how much you can borrow.

Frequently Asked Questions

Depending on the type of financing, the asset may appear on your balance sheet, potentially impacting your company's debt-to-equity ratio and other financial metrics. Operating leases, for example, are used to keep the asset and associated debt off the balance sheet, although accounting standards have changed to provide more transparency.

Both used and new assets can be financed. The condition and age of the asset will typically affect the financing terms and interest rates.

Many lenders will finance the full value, but some may require a down payment. This varies by lender and the type of asset being financed.

Yes, there can be tax advantages, such as deducting interest payments or leveraging depreciation. The specifics will depend on your business structure and the type of financing.

If you can't make payments, the lender may repossess the asset. It's crucial to consider this risk and to have a clear understanding of the financial commitment before entering into an agreement.

This depends on your contract terms. Some agreements allow for early repayment without penalties, while others may charge a fee for early settlement.

The process can vary from a few days to several weeks, depending on the complexity of the transaction and the type of asset.

The asset being financed typically serves as collateral. However, depending on the deal's size and your creditworthiness, the lender may require additional collateral.