We provide credit assistance to help you understand how asset finance works, how different lenders assess applications, and what structures may be available based on the asset being financed and how it will be used.
Our role is to explain lender requirements clearly, compare asset finance structures, and guide you through the application and settlement process.
What are you looking to finance?
Asset finance can be used to purchase vehicles such as cars, utes, vans and trucks. Lenders assess these applications based on factors including the type of vehicle, intended use and borrower circumstances.
We help explain how different vehicle finance structures work and what lenders typically require.
Equipment and machinery finance is commonly used across industries such as construction, manufacturing, medical, professional services and agriculture.
We help you understand how lenders assess asset type, value and usage, and how these factors influence loan structure and terms.
Technology, office fit-outs and specialised systems can often be financed using asset finance rather than traditional loans.
We explain how lenders approach these assets and what documentation or valuations may be required.
Asset finance may also be used to replace ageing equipment or expand fleets and capacity as a business grows.
We help explain refinancing, top-up and replacement options from a lending perspective.
In some cases, asset finance forms part of a broader business funding structure alongside other lending facilities.
Where relevant, we help coordinate asset finance within the overall lending arrangement.
How asset finance works
Asset finance structures can vary depending on the lender, asset type and intended use. Common structures include:
- Chattel mortgages
- Finance leases
- Hire purchase arrangements
- Novated leases (where applicable)
We explain how these structures work from a lending perspective and how they may apply to your circumstances.
How we support you
We support asset finance clients by:
- Explaining how lenders assess asset finance applications
- Comparing asset finance structures and features
- Managing applications, approvals and settlements
- Coordinating timing where asset finance is part of a broader lending arrangement
Working alongside your advice team
Where asset finance forms part of a broader plan, lending considerations are implemented in coordination with your overall advice. Decisions around financial and tax advice are considered within your Ironbark advice team as part of your broader advice framework.