Lease or purchase business equipment, vehicles, and machinery without tying up working capital. Flexible terms from specialist lenders.
Asset finance lets Australian businesses acquire vehicles, machinery, technology, and equipment by spreading the cost over the useful life of the asset. Instead of paying cash upfront and depleting your reserves, you preserve working capital while still claiming tax deductions on depreciation and interest. We work with you to structure asset finance facilities around your cash flow and the asset's productive life, sourcing options from a panel of specialist lenders with competitive rates.
You own the asset from day one while the lender holds a mortgage over it. This structure suits GST-registered businesses because you claim the GST credit upfront and depreciate the asset on your balance sheet.
The lender owns the asset and leases it to you for a fixed term. Lease payments are fully tax-deductible as an operating expense. At the end, you can purchase the asset for a pre-agreed residual value.
Ideal for assets that depreciate quickly like technology and vehicles. You use the asset for a set period and return it at the end. Payments are off-balance-sheet, which can improve your financial ratios.
Similar to a chattel mortgage but the lender retains ownership until the final payment. You can claim depreciation and interest deductions. Popular with sole traders and partnerships.
Unlock cash tied up in equipment you already own. We arrange sale-leaseback facilities where a lender purchases your existing asset and leases it back to you, releasing capital for growth or debt reduction.
Eligible businesses can immediately deduct the cost of qualifying assets under the Australian Government's instant asset write-off provisions. We structure your finance to maximise this benefit and advise on current thresholds.
General Advice Warning: The information provided on this page is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it.
We discuss the asset you need, its expected useful life, and your business structure to recommend the most tax-effective finance option: chattel mortgage, lease, hire purchase, or operating lease.
We compare rates and terms from specialist asset finance lenders, banks, and manufacturer finance programs. For high-value assets, we negotiate bespoke terms based on your business strength.
Asset finance applications are often approved within 24-48 hours for amounts under $150,000 using low-doc processes. Larger or more complex facilities may require full financials and take 5-10 business days.
Once approved, the lender pays the supplier directly and the security interest is registered on the PPSR. You take delivery of the asset and begin making repayments as agreed.
Real reviews from real clients across Australia
"We would like to thank Stephen and Jeng so much for their assistance and support in our refinancing process. The team were proactive and always available to help."
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"Damien was very helpful, easy to communicate with. Kept me informed all the way and successfully refinanced my mortgage with a much better deal."
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"Damien from Manage Your Loans was fantastic in every step of our refinancing. Always available on the phone whenever questions needed to be answered."
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"The team from Manage Your Loans has been really helpful in doing my refinance to another lender. Thank you Deb, Grace and Leanne."
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