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Finance the Tools
That Grow Your Business
Equipment, vehicles, machinery and fitout — structured asset finance solutions for Australian businesses of all sizes. Preserve cash flow and get the assets you need now.
$5K+
Asset value
100%
Finance available
1–7 yrs
Flexible terms
48 hrs
Approval time
Choose the Right Structure
The wrong structure can cost you in tax inefficiency. Our brokers match you to the correct product for your business and accounting method.
Chattel Mortgage
Most CommonIdeal for: Most businesses buying equipment or vehicles
Your business takes ownership of the asset immediately. The lender holds a mortgage over it as security. Full GST credit claimable upfront.
Quick Comparison
Ownership
Chattel
Day one
Lease
Lessor
CHP
End of term
Op. Lease
Never
GST claim
Chattel
Full upfront
Lease
Each payment
CHP
Full upfront
Op. Lease
Each payment
Tax deduction
Chattel
Depreciation
Lease
Full payment
CHP
Interest
Op. Lease
Full payment
Balance sheet
Chattel
On
Lease
Off/On
CHP
On
Op. Lease
Off
Always consult your accountant before choosing a structure. Tax treatment varies by business entity and accounting method.
We Finance Assets in Every Sector
From a single piece of equipment to an entire fleet, we structure finance across every major Australian industry.
Transport & Logistics
- Rigid trucks & semi-trailers
- Refrigerated vehicles
- Prime movers
- Trailers & dollies
Construction & Civil
- Earthmoving equipment
- Cranes & lifts
- Concrete & scaffolding
- Site infrastructure
Agriculture & Farming
- Tractors & headers
- Irrigation systems
- Storage & silos
- ATV & farm vehicles
Medical & Healthcare
- Diagnostic equipment
- Dental fit-out
- Imaging systems
- Surgical tools
Hospitality & Food
- Kitchen equipment
- Refrigeration
- POS & fit-out
- Coffee machinery
Technology & IT
- Servers & data centre
- Software hardware
- Print & production
- AV equipment
Typical Timeline
Day 1
Application
Day 2
Approval
Day 3–4
Funds Released
From Quote to Asset in 4 Steps
Identify the Asset
Tell us what equipment you need, the supplier quote or invoice, and its intended business use. We handle the rest.
Business Assessment
Your dedicated broker reviews your financials, ABN history, and credit profile to identify the best lenders for your situation.
Lender Comparison
We approach our panel of 30+ asset finance lenders simultaneously and return the most competitive structured offers within 24 hours.
Approval & Settlement
Once you approve the offer, we handle all documentation. Funds are typically released to the supplier within 2 business days.
Asset Finance FAQs
No, but being GST-registered unlocks significantly better tax outcomes. Non-registered businesses (e.g. small operators under the $75,000 threshold) can still access chattel mortgages and hire purchase, but the GST input tax credit component won't apply.
Get the Equipment You Need.
Keep the Cash You Have.
Talk to a Fairbanks asset finance broker today. We'll structure the right deal for your business, find the most competitive rate, and get your asset deployed fast.
General Information Warning: The information provided is general in nature and does not constitute personal financial advice. It does not take into account your personal objectives, financial situation or needs. Before acting on any information, consider its appropriateness to your circumstances and seek independent professional advice. Consolidated Funding Group Pty Ltd t/as Fairbanks Financial Group | ACR 481272 | FBAA m-330508 | AFCA #48367.
Power to theborrower.
†Based on verified Google reviews. Rates indicative only and subject to change. Credit criteria apply. Free service — lender pays our commission.