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Asset Finance in Australia
Asset finance allows businesses and individuals to acquire vehicles, machinery, or equipment without tying up large amounts of cash. When structured properly, it can support cash flow, preserve working capital, and keep your business moving forward.
At Palisade Brokers, we help clients secure asset finance solutions that align with how the asset will be used and how repayments fit within cash flow. Whether you’re financing vehicles, machinery, or technology, we focus on finding a structure that supports operations without unnecessary strain.
Because we’re broker-led, we compare lenders and finance products rather than pushing a single option. That means clearer advice, realistic expectations, and asset finance structured to suit your business or personal needs – not just the asset itself.
What Is Asset Finance?
Asset finance is a form of lending where the loan is secured against the asset being purchased, such as a vehicle, piece of equipment, or machinery.
Common characteristics include:
- The asset acts as loan security
- Flexible repayment terms
- Options for ownership or leasing
- Finance tailored to asset type and usage
Because the asset secures the loan, asset finance can often be more flexible than unsecured lending.
What Asset Finance Is Commonly Used For
- Business and personal vehicles
- Trucks, vans, and fleet vehicles
- Machinery and plant equipment
- Technology and business equipment
- Trade tools and specialist assets
If you are looking to fund a new build or property project, you may also want to explore Development Loans for specialised construction funding.
How Asset Finance Works
Asset finance is typically arranged around the asset being purchased and how it will be used.
Common features include:
- Fixed or variable repayment structures
- Loan or lease options depending on preference
- Repayment terms aligned with asset lifespan
- Approval often faster than property-based lending
Choosing the right structure depends on cash flow, ownership preferences, and how long you intend to keep the asset.
Who Asset Finance Is Best Suited For
Asset finance may suit:
- Businesses looking to preserve working capital
- Self-employed borrowers and tradespeople
- Companies upgrading or expanding operations
- Individuals purchasing vehicles or equipment
- Businesses with seasonal or variable cash flow
If asset finance isn’t the best fit, we’ll help you assess alternative funding options instead.
Key Benefits of Asset Finance
- Preserve cash flow and working capital
- Faster approvals compared to property lending
- Flexible repayment options
- Asset-specific finance structures
- Ability to upgrade assets without large upfront costs
Common Challenges (And How We Solve Them)
Choosing the wrong finance structure → We explain loan vs lease options clearly.
Repayments not aligned to cash flow → We structure terms to match business income.
Unclear ownership outcomes → We clarify end-of-term ownership upfront.
Limited lender options for certain assets → We work with lenders experienced in specialist assets.
Our Process at Palisade Brokers
- Initial Discussion
Understand the asset, usage, and cash-flow needs. - Structure & Option Review
Compare finance types and lender options. - Application & Approval
Manage the process and expectations clearly. - Settlement & Ongoing Support
Support through settlement and future upgrades.
Related Loan Options You May Want to Explore
Frequently Asked Questions
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Most vehicles, machinery, equipment, and business assets can be financed, subject to lender policy.
Speak with an Asset Finance Specialist
