Business lending that keeps your cash working
Same-day replies
Nine people behind every file
Credit assistance
No obligation
The basics
What is asset finance?
The most common structure is a chattel mortgage: the business owns the asset from day one, the lender holds security over it until the loan is repaid, and repayments are fixed so cash flow stays predictable. Leases and hire-purchase arrangements work differently and suit different situations — the right choice usually comes down to your cash flow and your tax position, which is why we like your accountant in the loop early.
Working with us
How Finedge helps
Cars, utes, trucks, trailers, machinery, medical and trade equipment, fit-outs — if the business uses it, we can usually finance it.
New, used and private-sale assets — lender appetite varies, and we know who takes what.
Structured to fit: in the company, the trust or your name, aligned with what your accountant recommends.
Fast when it needs to be. Asset finance can move quickly once documents are in — and with nine people behind every file, nothing sits in a queue waiting for one person to be free.
Your questions
Frequently asked questions
Straight answers to what our clients ask us most.
What is a chattel mortgage?
A business loan for a movable asset — a vehicle or piece of equipment. Your business owns the asset immediately, the lender registers security over it, and once the final payment is made the security is released. Itʼs the most common way Australian businesses finance vehicles and equipment.
Can I finance used equipment or a private-sale vehicle?
Usually, yes. Lenders differ on asset age, condition and how the sale is documented — some are strict, some are flexible. We match the asset to the lender whoʼll actually approve it.
Should the finance be in my name, my company or my trust?
It depends on how your business is set up and what your accountant advises for tax and asset protection. Weʼll structure the finance to match the plan rather than force the plan to match the finance.
How quickly can asset finance settle?
Often very quickly once your documents are in — for straightforward deals, sometimes within days. Weʼll give you an honest timeline upfront and chase it so you donʼt have to.
Found the vehicle or equipment?
Book a 15-minute call and weʼll have the finance moving before the seller changes their mind.
or call 1800 147 258
General information only, not financial advice. Finedge Finance provides credit assistance.