Asset Finance · Sydney NSW

Get the assets your business needs — without the cash flow strain.

Asset finance lets your business acquire the vehicles, machinery, and equipment it needs to operate and grow — without tying up working capital. Get Home Loan arranges asset finance for businesses across all industries.

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Asset Finance for Growing Businesses

Whether you need to finance a fleet of work vehicles, new machinery for your workshop, or specialised equipment for your trade, asset finance lets you spread the cost over time rather than paying upfront. This preserves your working capital for day-to-day operations while still equipping your business for growth.

Asset Finance Products We Arrange

Chattel mortgage — most common for business-use vehicles and equipment
Finance lease — lender owns the asset, you lease it
Operating lease — off-balance sheet option for certain assets
Commercial hire purchase — hire the asset until paid off
Sale and leaseback — release equity from existing assets
Novated lease — employee salary packaging for vehicles

Assets We Finance

Commercial vehicles & trucks · Cars & utes · Forklifts & warehouse equipment · Agricultural equipment · Medical & dental equipment · IT & technology assets · Manufacturing machinery · Earthmoving & construction plant

Asset Identification

Tell us what you need to finance — age, value, type, and intended use. This determines the right product and lender.

Product Selection

We recommend the most appropriate finance structure — considering tax implications, cash flow, and your balance sheet.

Fast Approval

Asset finance is often approved quickly. We submit your application and manage lender communication throughout.

Asset Acquisition

Once approved, your supplier or vendor is paid and your asset is delivered. Your repayment schedule begins.

Frequently Asked Questions

Got questions? We have answers.

What is a chattel mortgage?+

A chattel mortgage is a loan secured by the asset being purchased. It's the most common form of business asset finance. You own the asset from day one, and there can be significant GST and depreciation tax advantages.

Can I finance a second-hand asset?+

Yes — most lenders will finance used assets up to a certain age. Age limits vary by asset type and lender. We'll identify lenders who work with the specific asset you're purchasing.

What are the tax benefits of asset finance?+

Depending on the structure, benefits can include GST input tax credits, interest deductions, and depreciation claims. A chattel mortgage typically offers the broadest tax advantages. Always consult your accountant for advice specific to your situation.

How quickly can asset finance be approved?+

Many asset finance applications can be approved within 24–48 hours for standard business assets. We prioritise fast turnaround to ensure your operations aren't delayed.

Do I need a long trading history to get asset finance?+

Not always. Some lenders specialise in asset finance for newer businesses or start-ups, particularly where the asset itself provides strong security. We'll find the most appropriate option for your business stage.

Ready to get started?

Get in touch and an expert broker will be in contact within one business day.

Get in Touch

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