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Asset Finance Broker Sydney

Finance your equipment and keep your cash flow healthy

Vehicles, machinery, medical equipment, and business assets: the right structure for your situation

Paying cash for business assets ties up working capital you need elsewhere. The right finance structure spreads the cost and may offer tax advantages. We assess your situation and recommend the structure that makes the most sense, not the one that is easiest to arrange.

The structure matters as much as the asset

Asset finance is not one-size-fits-all. How you finance an asset affects your cash flow, your tax position, and whether you own the asset at the end. Choosing the wrong structure means paying more than you need to or missing out on benefits that suit your business.

Chattel mortgage

The lender holds a mortgage over the asset until it is paid in full. You own the asset from day one, claim GST upfront on the purchase price, and can set a residual (balloon) payment to reduce monthly repayments. Chattel mortgages suit businesses that want ownership and upfront tax benefits.

Finance lease

Similar to renting, except you own the asset at the end of the term after a residual payment. GST is claimed on each payment rather than upfront. Finance leases suit businesses that prefer to spread the GST benefit across the term.

Operating lease

You pay a monthly fee for access to the asset but do not own it. At the end of the term, you can upgrade, extend, or return the asset. Repayments are 100% tax deductible. Operating leases suit businesses that want flexibility and regular upgrades.

Hire purchase

The lender purchases the asset and hires it to you over an agreed term. You take ownership once all payments are made. Hire purchase suits businesses that want a straightforward path to ownership with fixed repayments.

The right choice depends on your business

Your industry, your tax position, whether you want to own the asset, and how long you plan to use it all affect which structure works best. We assess your situation and recommend the approach that makes the most sense.

Asset Finance services

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Equipment finance

Machinery, plant, tools, technology, and office fit-outs. Whether you are replacing worn-out equipment or investing in new capacity, we structure finance that matches your business cycle and cash flow.

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Vehicle finance

Cars, utes, trucks, vans, and fleet vehicles for business use. We arrange chattel mortgages, leases, and business car loans across multiple lenders. Single vehicles or entire fleets.

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Medical equipment

Specialist finance for medical and dental practices. Diagnostic equipment, treatment chairs, imaging systems, and practice fit-outs. We understand the high-cost, long-lifecycle nature of medical equipment.

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Construction equipment

Excavators, loaders, cranes, scaffolding, and heavy vehicles. Construction businesses need equipment finance that accounts for seasonal work patterns and project-based cash flow. We structure finance accordingly.

Asset Finance Calculators

Our calculators give you a clear picture of what you can afford, your estimated repayments, and how much deposit you’ll need so you can move forward with confidence.

Explore Our Calculators

Here's what actually happens

The typical finance process from first conversation to settlement.

Discovery
Session

We discuss what you’re trying to achieve and your current financial position. No paperwork needed yet, just a conversation. It takes about 30 minutes.

Information Gathering

We work out what documents we need and explain why banks need them. You gather information while we assess your borrowing capacity.

Analysis & Recommendations

We analyse your position, present you with options that actually fit, and explain which lenders suit your situation and why.

Application
& Approval

We handle the paperwork, bank conversations, and keep you updated through each stage. You stay informed throughout.

Documentation
& Settlement

We coordinate with solicitors, manage the documentation process, and see your loan through to settlement. Usually 3-4 weeks from application to settlement, depending on complexity.

What clients say

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Questions we get asked

Most of our clients are in Sydney metropolitan areas, particularly inner Sydney and Eastern suburbs, but we work throughout greater Sydney and nationally. Your location doesn’t limit whether we can help. It’s about whether your situation suits our expertise.

Yes, both residential investment properties and commercial property investments. We work with investors building property portfolios, SMSF trustees buying through super, and business owners acquiring commercial premises.

Yes. Refinancing home loans, commercial facilities, or restructuring existing debt across multiple properties. If you’re looking to reduce rates, consolidate loans, or access equity for other purposes, we can assess what makes sense for your situation.

That’s when talking to us makes most sense. Self-employed income, multiple entities, previous credit issues, SMSF structures, or situations that don’t fit neat categories are exactly the scenarios where broker expertise helps. We assess what’s genuinely possible and explain your realistic options.

This is where our expertise makes the biggest difference. We understand cross-collateralised security, how to present business cash flows, and what banks need to see from multiple entity structures. We translate complex business arrangements into formats banks understand and can assess properly.

Genuine commercial finance expertise. Most brokers focus on home loans and refer complex commercial work elsewhere. We handle it ourselves, from sole traders to businesses with $100 million facilities. If you’re a business owner who also needs personal finance, having one broker who understands both creates useful continuity.

Yes. We work Australia-wide. While most of our clients are in Sydney metropolitan areas, we serve clients throughout the country through phone and video conversations. Location doesn’t limit who we can help.

Sometimes, yes. Banks decline for specific reasons. If we can address what caused the decline or if a different lender has different criteria, we may have options. We’ll assess your situation honestly and tell you whether we think we can help.

Standard home loans typically take 3-4 weeks from application to settlement. Commercial loans and complex arrangements can take several months depending on the structure and what banks need to assess. We’ll give you realistic timeframes based on your specific situation.

In most cases, no. We receive commission from lenders when your loan settles, so our service is free for you. Occasionally for complex commercial arrangements or private lending, there may be fees, but we’ll explain these upfront before you commit to anything.