Frequently Asked Questions
Asset Finance
Vehicle finance can be used for passenger cars, SUVs, 4WDs, vans, light commercial vehicles, trucks, motorcycles (for business use), and specialty vehicles such as utes, trailers, or work vehicles.
Repayments are fixed and predictable, usually weekly, fortnightly, or monthly, making budgeting easier for your business.
A balloon payment is a lump sum that you can choose to pay at the end of your vehicle finance term. Including a balloon payment lowers your regular repayments during the term, giving your business more flexibility to manage cash flow. Most lenders allow this option, but the exact terms may vary.
Eligible applicants include Australian Citizens, permanent residents, and certain visa holders with an active ABN and trading history. Satisfactory credit and identification are also required for business owners or directors.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
Finance can be used for office technology, machinery, medical equipment, agricultural machinery, vehicles used in operations, and specialty trade equipment.
Repayments are fixed and predictable, usually weekly, fortnightly, or monthly, making budgeting easier for your business.
Yes. A balloon payment allows you to reduce regular repayments by deferring a portion of the loan to the end of the term. Whether it’s available depends on the type and age of the equipment.
Eligible applicants include Australian citizens, permanent residents, and certain visa holders with an active ABN and trading history, along with satisfactory credit and identification for business owners or directors.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
Finance can be used for computers, IT infrastructure, POS systems, telecommunications, security systems, and specialised industry technology.
Technology financed generally needs to be new, with approval depending on the asset type and lender requirements.
Repayments are fixed and predictable, usually weekly, fortnightly, or monthly, making budgeting easier for your business.
Sometimes. Balloon payments may be available depending on the type of technology being financed and the lender’s criteria.
Eligible applicants include Australian citizens, permanent residents, and certain visa holders with an active ABN and trading history, along with satisfactory credit and identification for business owners or directors.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
Commercial boats, fishing vessels, work boats, yachts, and some recreational vessels, depending on lender criteria.
Boat finance is available to Australian businesses using the vessel for commercial purposes. Eligible applicants include Australian citizens, permanent residents, and certain visa holders. Businesses generally need an active ABN, a trading history, and identification for all owners or directors.
Repayments are fixed and predictable, usually weekly, fortnightly, or monthly, making budgeting easier for your business.
A balloon payment is a lump sum that you can choose to pay at the end of your boat finance term. Including a balloon payment lowers your regular repayments during the term, giving your business more flexibility to manage cash flow. Most lenders allow this option, but the exact terms may vary.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
Passenger vehicles, vans, commercial vehicles, trucks, and specialty vehicles used for business purposes can typically be included.
Repayments are fixed and predictable, usually paid weekly, fortnightly, or monthly.
Yes. A balloon payment may be included to reduce regular repayments. Availability depends on vehicle type, age, and lender requirements.
Eligible applicants include Australian citizens, permanent residents, and certain visa holders with an active ABN and trading history, along with satisfactory credit and identification for business owners or directors.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
You can lease passenger cars, SUVs, vans, electric or hybrid vehicles, and work vehicles, subject to employer approval.
Eligible employees must work for an Australian employer willing to participate, be over 18, and have satisfactory credit. Australian citizens, permanent residents, and certain visa holders may apply.
Payments are deducted from your pre-tax salary, making them fixed and predictable while potentially reducing taxable income.
Novated leases will include a residual or balloon payment at the end of the lease term. This reduces monthly repayments and provides flexibility for end-of-lease options.
Early termination or repayment may be possible, but terms vary depending on the finance provider and lease agreement.
Potentially. Lease payments made from pre-tax salary can reduce taxable income, subject to your personal circumstances and employer participation.
Business Loans
Vehicle finance can be used for passenger cars, SUVs, 4WDs, vans, light commercial vehicles, trucks, motorcycles (for business use), and specialty vehicles such as utes, trailers, or work vehicles.
Repayments are fixed and predictable, usually weekly, fortnightly, or monthly, making budgeting easier for your business.
A balloon payment is a lump sum that you can choose to pay at the end of your vehicle finance term. Including a balloon payment lowers your regular repayments during the term, giving your business more flexibility to manage cash flow. Most lenders allow this option, but the exact terms may vary.
Eligible applicants include Australian Citizens, permanent residents, and certain visa holders with an active ABN and trading history. Satisfactory credit and identification are also required for business owners or directors.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
Finance can be used for office technology, machinery, medical equipment, agricultural machinery, vehicles used in operations, and specialty trade equipment.
Repayments are fixed and predictable, usually weekly, fortnightly, or monthly, making budgeting easier for your business.
Yes. A balloon payment allows you to reduce regular repayments by deferring a portion of the loan to the end of the term. Whether it’s available depends on the type and age of the equipment.
Eligible applicants include Australian citizens, permanent residents, and certain visa holders with an active ABN and trading history, along with satisfactory credit and identification for business owners or directors.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
Finance can be used for computers, IT infrastructure, POS systems, telecommunications, security systems, and specialised industry technology.
Technology financed generally needs to be new, with approval depending on the asset type and lender requirements.
Repayments are fixed and predictable, usually weekly, fortnightly, or monthly, making budgeting easier for your business.
Sometimes. Balloon payments may be available depending on the type of technology being financed and the lender’s criteria.
Eligible applicants include Australian citizens, permanent residents, and certain visa holders with an active ABN and trading history, along with satisfactory credit and identification for business owners or directors.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
Commercial boats, fishing vessels, work boats, yachts, and some recreational vessels, depending on lender criteria.
Boat finance is available to Australian businesses using the vessel for commercial purposes. Eligible applicants include Australian citizens, permanent residents, and certain visa holders. Businesses generally need an active ABN, a trading history, and identification for all owners or directors.
Repayments are fixed and predictable, usually weekly, fortnightly, or monthly, making budgeting easier for your business.
A balloon payment is a lump sum that you can choose to pay at the end of your boat finance term. Including a balloon payment lowers your regular repayments during the term, giving your business more flexibility to manage cash flow. Most lenders allow this option, but the exact terms may vary.
Yes. Most lenders allow early repayment of your finance. Paying off the loan early can reduce interest costs and give your business greater flexibility. Terms and any early repayment fees vary depending on the lender.
Industries
Agricultural businesses can access both business loans and asset finance. Business loans are ideal for working capital or managing seasonal cash flow, while asset finance helps purchase tractors, harvesters, irrigation systems, and other machinery or tech.
Yes. Business loans or invoice finance products can help manage seasonal fluctuations, ensuring your operations continue smoothly during periods of lower income.
Finance can be used for tractors, harvesters, silos, trucks, utes, irrigation equipment, and other farming equipment. Funding can cover new or used equipment depending on the lender and the lender’s requirements.
Asset finance is typically secured against the equipment or vehicles being financed. Business loans may be secured or unsecured depending on the lender and the loan amount.
Eligible applicants generally include Australian citizens, permanent residents, and certain visa holders. Your business usually needs an ABN, a minimum trading history, and satisfactory credit for both the business and its owners.
Yes. Many lenders allow early repayment, which can reduce interest costs. Terms and any early repayment fees vary, so it’s important to check with your lender.
Manufacturing businesses can access both business loans and asset finance. Business loans are commonly used for working capital, expansion, or operational costs, while asset finance helps purchase machinery, vehicles, and production equipment.
Yes. Business loans or invoice finance products can help manage timing gaps between production costs and customer payments, supporting smooth operations during busy or slow periods.
Finance can be used for production machinery, processing equipment, packaging systems, trucks, vans, forklifts, and other manufacturing assets. Funding may be available for new or used equipment depending on the lender and asset type.
Asset finance is typically secured against the machinery or vehicles being financed. Business loans may be secured or unsecured depending on the lender, loan amount, and business profile.
Eligible applicants generally include Australian citizens, permanent residents, and certain visa holders. Your manufacturing business will usually need an active ABN, a minimum trading history, and satisfactory credit for both the business and its owners.
Yes. Many lenders allow early repayment, which may reduce interest costs. Early repayment terms and any associated fees vary by lender, so it’s important to review these before proceeding.
Hospitality businesses can access both asset finance and business loans. Asset finance is commonly used for equipment, fit-outs, and technology, while business loans support working capital, expansion, and cash flow management.
Yes. Business loans, lines of credit, or invoice finance can help manage fluctuating revenue, particularly during quieter trading periods or seasonal changes.
Finance can be used for kitchen equipment, refrigeration, coffee machines, bar equipment, POS systems, furniture, and venue fit-outs. As well as food trucks and coffee trailers for mobile hospitality business. Funding may be available for new or used assets, depending on the lender.
Asset finance is typically secured against the equipment or vehicles being financed. Business loans may be secured or unsecured depending on the lender and the loan amount.
Eligible applicants generally include Australian citizens, permanent residents, and certain visa holders. Your business will usually need an ABN, a minimum trading history, and satisfactory credit.
Yes. Many lenders allow early repayment, which can reduce interest costs. Terms and any early repayment fees vary, so it’s important to check with your lender.
Healthcare businesses can access both business loans and asset finance. Business loans are ideal for working capital or operational costs, while asset finance helps purchase medical equipment, IT systems, or vehicles.
Yes. Business loans or cash flow finance products can help manage revenue fluctuations and ensure smooth operations during slower periods.
Finance can cover diagnostic machines, medical devices, IT systems, vehicles, practice fit-outs, and office equipment. Funding can support both new and sometimes used assets, depending on the lender.
Asset finance is typically secured against the equipment or vehicles being financed. Business loans may be secured or unsecured depending on lender requirements and loan size.
Eligible applicants generally include Australian citizens, permanent residents, and certain visa holders. Your practice usually needs an ABN, a minimum trading history, and satisfactory credit for the business and its owners.
Yes. Many lenders allow early repayment, which can reduce interest costs. Terms and any early repayment fees vary, so it’s important to check with your lender.
Retail businesses can access both business loans and asset finance. Business loans are ideal for working capital, seasonal cash flow management, or expansion initiatives, while asset finance can help fund store fit-outs, point-of-sale systems, shelving, IT hardware, and other essential retail equipment.
Yes. Business loans or invoice finance products can help manage fluctuations in sales, ensuring your operations continue smoothly during quieter periods or off-peak seasons.
Finance can be used for shop fit-outs and refurbishments, point-of-sale systems, IT hardware and software, shelving and store fixtures, security systems, refrigeration units, and other retail infrastructure. Funding can cover new or sometimes used equipment depending on the lender.
Asset finance is typically secured against the equipment or vehicles being financed. Business loans may be secured or unsecured depending on the lender and the loan amount.
Eligible applicants generally include Australian citizens, permanent residents, and certain visa holders. Your business usually needs an ABN, a minimum trading history, and satisfactory credit for both the business and its owners.
Yes. Many lenders allow early repayment, which can reduce interest costs. Terms and any early repayment fees vary, so it’s important to check with your lender.
Construction businesses can access both business loans and asset finance. Business loans are ideal for managing cash flow, project costs, or expansion, while asset finance helps purchase machinery, vehicles, and specialised tools.
Yes. Business loans or invoice finance products can help manage seasonal fluctuations, ensuring your operations continue smoothly during periods of lower income.
Finance can be used for tractors, harvesters, silos, trucks, utes, irrigation equipment, and other farming equipment. Funding can cover new or used equipment depending on the lender and the lender’s requirements.
Asset finance is typically secured against the equipment or vehicles being financed. Business loans may be secured or unsecured depending on the lender and the loan amount.
Eligible applicants generally include Australian citizens, permanent residents, and certain visa holders. Your business usually needs an ABN, a minimum trading history, and satisfactory credit for both the business and its owners.
Yes. Many lenders allow early repayment, which can reduce interest costs. Terms and any early repayment fees vary, so it’s important to check with your lender.
Professional service businesses can access a range of finance solutions, including business loans, asset finance, and leasing. These options can cover vehicles, office equipment, technology, or other assets needed to run or expand your practice efficiently.
Yes. Asset finance can be used to acquire business vehicles, office technology, or other assets that support your professional role. Certain arrangements, such as novated leases, may also allow employees to finance work-related vehicles through salary packaging.
Business loans are available only to businesses with an ABN, typically for owners or directors. Asset finance can be accessed by both business owners and employees, depending on the asset type and lender criteria.
Repayments are structured to suit your business cash flow and are typically weekly, fortnightly, or monthly. Fixed repayment schedules make budgeting predictable, while some finance options may offer flexible terms or balloon payments to reduce regular amounts.
Sometimes. Balloon payments can reduce regular repayments by deferring a portion of the cost to the end of the term. Availability depends on the type of asset, its value, and the lender’s policies.
Yes. Financing assets instead of paying upfront preserves working capital for daily operations or business growth. This helps maintain steady cash flow while allowing investment in the tools and resources your practice needs.
Sole traders can access asset finance, business loans, and leasing options. Asset finance is ideal for vehicles, tools, or technology, while business loans can support working capital, business growth, or larger expenses.
Yes. Finance can cover trade equipment, vehicles, and technology used for business operations, as well as office or administrative tech needed to run your business efficiently.
Eligible applicants must hold a valid sole trader ABN. Most lenders also require a minimum trading history and satisfactory credit for the business and its owner. Applicants are typically Australian citizens, permanent residents, or certain visa holders.
Asset finance is generally secured against the equipment, vehicles, or technology being financed. Business loans may be secured or unsecured depending on the lender and the loan amount.
Yes, business term loans can be repaid early. Some lenders allow extra repayments, though early repayment fees or adjustments to interest may apply.
Financing assets instead of paying upfront preserves working capital, helping you cover day-to-day expenses, seasonal fluctuations, or delayed payments without disrupting operations.
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