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Asset Finance

Upgrade equipment and expand your business with asset finance.

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For Business Owners

Find the best solution for your business needs.

Designed for small business owners, contractors, and the self-employed, asset finance can also be used personally for vehicles. It helps free up cash, avoid depreciation, and manage costs more efficiently.

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The Asset Finance Process

We make it simple. Here is how we help you secure the right asset finance solution:

1. Get Started

Reach out to discuss your goals and financial situation in person or online.

2. Explore Options

We research our panel of lenders and create a shortlist that fits your needs.

3. Pre-Approval

Choose a lender and we complete pre-approval efficiently on your behalf.

4. Choose Equipment

Pick the assets or equipment you need to grow or run your business.

5. Secure the Loan

We handle all paperwork to finalise the finance with your lender.

6. Ready to Use

The loan is settled, your asset is purchased, and you can start using it immediately.

Finance Pathways

Understanding asset finance options.

From variable and fixed rates to split and packaged loans, there are several ways to structure your finance. Understanding how each option works can help you choose a loan that suits your goals, lifestyle, and long term plans. Explore the options below and get clear guidance when you are ready.

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Commercial hire purchase

Access the vehicle or equipment your business needs and pay it off over an agreed term. Once the final payment is made, ownership of the asset transfers to you.

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Chattel mortgage

A popular option for business vehicle and equipment finance. The asset is owned by you from the beginning, while the loan is secured against the asset itself.

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Finance lease

A flexible leasing option that allows businesses to use an asset during the lease term, with the option to purchase, upgrade, or return the asset at the end of the agreement.

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Novated lease

A novated lease is a tax effective way to finance a vehicle through your employer. The lender owns the vehicle while you and your employer share the repayment responsibilities under a novation agreement.

Things to consider: Balloon payments.

What is a balloon payment?

A balloon payment is a larger lump sum paid at the end of the loan term. The amount is usually set as a percentage of the original loan value and can reduce your regular repayments during the loan.

Why do borrowers choose this option?

Balloon payments can help lower monthly repayments upfront, which may improve short term cash flow and provide more flexibility while the loan is active.

It is important to understand that this structure can increase the total interest paid over the life of the loan, and the remaining balance will still need to be repaid in full at the end of the term.

Is it the right fit for you?

The right loan structure depends on your financial goals, repayment plans, and long term strategy. Guidance is available to help you understand the benefits, considerations, and whether this option suits your circumstances.

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Speak With an Asset Finance Specialist

Looking to upgrade equipment or business vehicles? Get in touch to explore asset finance solutions tailored to your business needs.
Client Reviews

Real Results. Trusted by Clients.

Guidance Made First Home Easy

"Todd and his team were exceptional from start to finish assisting us with our mortgage approval. This was our first home purchase and we were very new to the process, however Todd and his team helped us every step of the way. We hit a few unexpected snags due to my partners visa status along the way and Todd managed to find solutions to help us achieve a mortgage without being lumped with an excessive government surcharge. We are truly grateful for Todd and his team and highly reccomend them to assist in securing a mortgage at an excellent rate."

Josh Boulton

Client

Smooth and Efficient from Start to Settlement

"We can’t thank Todd Martin enough for his help securing the right finance for us. When we were finding it difficult to arrange things on our own, Todd stepped in and quickly identified the best solution. He guided us through a smooth, efficient process all the way to settlement, making what could have been stressful feel simple and well managed. We’d happily recommend Todd to anyone looking for knowledgeable, proactive and reliable mortgage advice."

Adam Boyle

Client

Clear Guidance and Personalised Care

"I highly recommend Todd Martin from MartinCo Financial Services. He took the time to truly listen to my needs, provided clear and thorough guidance, and he carefully planned the best approach to secure my loan. He, and his teams support throughout the process was outstanding, making the experience smooth and stress-free."

Belinda Robinson

Client

Outstanding Communication and Support

"We're so grateful we had Todd with us through this whole journey as first home buyers. His communication was exceptional, and the guidance he gave us at every step honestly felt like a superpower. Having someone we can rely on in our corner made everything so much easier and gave us so much confidence. We couldn't be more thankful or recommend him more highly. Thank you Todd!"

Nathan Bryant

Client

Professional and Stress-Free Experience

"Todd Martin and his staff provided outstanding service. They supported us through the process with professionalism and care. Highly recommend for anyone needing financial services. First home buyer two thumbs up! "

Rachael mcfadyen

Client

Simple and Easy for First Home Buyers

"Fantastic brokers to deal with. They made everything seamless and easy to understand, which was incredibly helpful as a first home buyer. I strongly recommend them to anyone."

John Sanchez

Client

Reliable Advice and Long-Term Support

"I have worked with Todd and the team at MartinCo Financial Services for a number of years both for personal finances as well as professional. I have recommended the service to friends, family members and other businesses that we have worked with - and have only heard positive things. I find the professionalism, knowledge of the market, presentation of various solutions and the personalised service to be second to none. There is no other organisation that I would seek, and no one that I would trust with my finances other than Todd and his team."

Nicholas Alderdice

Client

Expert Support for SMSF Property Finance

"We’ve just used Martin and co to assist in securing a loan to purchase a property in our SMSF. Always professional and easy to deal with, we would highly recommend them."

Julie Kidd

Client

Fast and Competitive Car Loan Approval

"Todd and his team were fantastic. They moved very quickly to get the car loan in place and got me a competitive rate. Everything was explained to me which made the process easy and stress free."

Christopher McGrath

Client

Smart Solutions for Complex Financial Needs

"I can't recommend Todd and his team highly enough. We were unfortunate enough to lose a business and needed to consolidate a business loan into our mortgage. Todd and Ericka handled the whole process and made it as smooth as possible. We will be using Todd and the team for all of our lending needs in the future."

Rachel S.

Client

Common Questions

Asset Finance FAQs

What can asset finance be used for?
Asset finance can help businesses purchase vehicles, machinery, equipment, or technology without large upfront costs.
Some lenders do offer solutions for newer businesses, depending on trading history and financial position.
Terms generally range between one and seven years depending on the asset and lender.
Ownership depends on the finance structure selected, such as lease, chattel mortgage, or hire purchase.
Yes. Spreading repayments over time may help businesses maintain working capital while upgrading equipment.
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Start Your Loan Application
Complete a quick application and we’ll guide you through the process to find the right loan for your needs.
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