Asset finance that keeps your working capital working

It depends on the asset, its age, and your business's position. Many asset finance deals can be structured with little or no deposit because the asset itself acts as security. We'll give you a realistic picture early on, before any formal application.

For straightforward deals with good information upfront, approvals can come through in a matter of days, sometimes faster. Because we prepare applications properly the first time, we avoid the delays that come from lenders asking for missing pieces.

Yes, in most cases. Lenders will consider the asset's age, condition and remaining working life. Some have age limits at the end of the loan term, and we'll factor that in when matching you with the right lender.

Often, yes. Some lenders specialise in newer businesses and self-employed operators, and may look at projections, contracts in hand, or your industry experience rather than just trading history. This is exactly where a broker earns their keep.

Most asset finance is written at a fixed rate for the term, which makes budgeting simple: same payment, every time. We'll talk you through the options and what they mean for your cash flow before you commit to anything.

In most cases, nothing. Like most brokers, we're paid a commission by the lender when your finance settles. If a fee ever applies to your situation, we'll tell you clearly and upfront, before you're committed to anything.

Some lenders offer seasonal or structured repayment options, which can suit agriculture, tourism and other seasonal businesses. Tell us how your income runs and we'll look for a structure to match.

Depending on the agreement, you can typically return the asset, extend the lease, or upgrade to newer equipment. We'll make sure you understand your end-of-term options before you sign.