Asset Loans for Australian Businesses
Invest in the right equipment to grow your business with tailored asset finance solutions
Whether you're looking to purchase new machinery, upgrade existing equipment, or expand your business assets, we'll help you find the right finance solution from our panel of specialist lenders. Our experienced team understands the unique needs of Australian businesses and can guide you through the entire process.
Key Benefits:
- Access to 40+ specialist lenders for competitive rates and flexible terms
- Fast pre-approval process to help you secure equipment quickly
- Expert guidance from experienced business finance brokers
Why Choose Asset Loans for Your Business?
Asset finance offers a smart way to acquire the equipment your business needs without tying up valuable working capital. Rather than paying high upfront costs, you can spread the expense over manageable monthly repayments whilst preserving your cash flow for day-to-day operations.
Asset loans are particularly well-suited for:
- Self-employed professionals and contractors
- Small to medium business owners
- Companies looking to upgrade or expand equipment
- Businesses wanting to preserve working capital
Key Advantages of Asset Finance
Preserve Your Cash Flow: Keep your working capital available for essential business operations, unexpected opportunities, or emergency expenses.
Avoid Depreciation Impact: Let the lender handle the depreciation whilst you benefit from using the latest equipment to grow your business.
Flexible Repayment Options: Choose from various loan structures and repayment terms that align with your business cash flow patterns and desired loan amount.
Tax Benefits: High Potential tax advantages through equipment depreciation and interest deductions (consult your accountant for specific advice).
Our Asset Finance Solutions
Equipment Finance Options
- Commercial Equipment Loans Secure funding for machinery, vehicles, technology, and other business equipment with competitive interest rates and flexible terms.
- Car & Vehicle Finance: Finance company vehicles, commercial trucks, or specialised transport equipment with tailored repayment structures.
- Technology & IT Equipment:: Keep your business current with the latest technology through flexible finance arrangements for computers, software, and IT infrastructure.
Loan Structure Options
- Variable Rate LoansBenefit from potential rate decreases with the flexibility of unlimited additional repayments and redraw facilities.
- Fixed Rate Loans: Enjoy predictable monthly repayments with interest rates locked in for your chosen term, providing budget certainty
- Split Rate Loans: Combine the benefits of both fixed and variable rates by splitting your loan between the two options.
- Interest-Only Periods: Reduce initial repayments during the early stages of your loan term, ideal for businesses with seasonal cash flow patterns.
How Our Asset Finance Process Works
It’s simple. We’ll find you the right asset finance solution that works in your best interest.
- Initial Consultation
We'll discuss your equipment needs, business goals, and current financial situation to understand the best approach for your circumstances. - Lender Research & Shortlisting
Our team researches our panel of specialist business lenders to create a shortlist of asset finance solutions tailored to your requirements. - Pre-Approval
Once you've selected your preferred option, we'll work to secure pre-approval, giving you confidence when negotiating with suppliers. - Equipment Selection
With pre-approval in hand, you can focus on choosing the right equipment for your business needs. - Finance Finalisation
We'll complete all necessary paperwork and coordinate with your chosen lender to finalise the finance arrangement. - Equipment Acquisition
Your finance is approved, the equipment is purchased, and you can start benefiting from your new business assets.
Specialist Support for Your Business Finance Needs
At Mason Finance Group, we understand that every business has unique requirements. Our experienced brokers work with a comprehensive panel of lenders to find solutions that match your specific circumstances.
Our Expertise Includes:
- Asset finance for various industries and business types
- Working capital solutions to support business growth
- Cash flow management through flexible repayment structures
- Sustainable finance options for environmentally conscious businesses
Why Work with a Finance Broker?
Access to Multiple Lenders: We work with over 40 lenders, including major banks, specialist finance companies, and alternative lenders.
Expert Market Knowledge: Our team stays current with lending criteria, interest rates & fees, and industry developments to secure the best outcomes.
Streamlined Application Process: We handle the paperwork and liaise with lenders on your behalf, saving you time and effort.
Ongoing Support: Our relationship doesn't end at settlement - we're here to help with future finance needs as your business grows.
Understanding Balloon Payments
A balloon payment is a larger lump sum paid at the end of your loan term, typically calculated as a percentage of the total loan value. This option can significantly reduce your monthly repayments during the loan term.
-
Benefits of Balloon Payments
- Lower monthly repayments during the loan term
- Improved cash flow for business operations
- Flexibility at the end of the term to refinance, sell, or pay out
-
Important Considerations
- The balloon amount must be paid in full at the end of the term
- Total interest paid over the loan life may be higher
- You'll need a clear strategy for handling the final payment
Our team can help you determine whether a balloon payment structure suits your business needs and cash flow projections.
Get Started with Your Asset Finance Application
Ready to explore asset finance options for your business? Our experienced team is here to help you navigate the process and find the right solution for your needs.
Contact us today for a free consultation:
- Phone: 07 5211 0099
- Office Hours: Monday - Friday, 9am - 5pm
- Location: Primary Central, Office 5, Level 1, 61-63 Primary School Court, Maroochydore, QLD 4558
Backed by over 900 five-star Google reviews, our team has the experience, professional advice and lender relationships to help your business succeed.
Frequently Asked Questions About Asset Loans
How long are typical asset finance terms?
Asset finance terms typically range from one to seven years, depending on the type of equipment, loan amount, and your business circumstances. We'll help you choose a term that balances affordable repayments with total interest costs.
What types of equipment can be financed?
Most business equipment can be financed, including machinery, vehicles, technology, medical equipment, construction tools, and office furniture. We'll confirm eligibility for your specific equipment during the application process.
What's the difference between secured and unsecured asset loans?
Secured asset loans use the equipment as collateral, typically offering lower interest rates. Unsecured loans don't require collateral but may have higher rates. We'll explain the options available for your situation.
Can I get asset finance with less-than-perfect credit or varying credit scores?
Yes, we work with lenders who consider applications from businesses with different credit scores and credit histories. While terms may vary, we'll explore all available options to find a suitable solution.
What documentation is required for asset finance applications?
Typical requirements include recent financial statements, tax returns, bank statements, and equipment quotes. We'll provide a complete checklist based on your specific application.
Can I pay out my asset loan early?
Most asset loans allow early repayment, though some lenders may charge early exit fees. We'll ensure you understand all terms and conditions before proceeding with any loan.