Vehicles, equipment and machinery
Asset Finance — broker support across Australia
Asset finance lets you acquire the vehicle, equipment or machinery your household or business needs without tying up working capital. TwoFold Lending compares lenders and loan structures across a wide range of personal and business asset purchases — making sure the finance fits your cash flow and tax position, not just what happens to be the easiest option.
Book an appointmentGet the vehicle or equipment you need — without draining your working capital.
Asset finance covers a wide range — personal car loans, business vehicle lending, equipment, machinery, tools and technology. The right lender and loan structure depend on how the asset is being used, whether it's for business or personal purposes, and what the tax and cash flow implications are. We compare the options across multiple lenders and make sure the finance fits your actual situation.
- Personal and business vehicle finance
- Fleet and commercial vehicle lending
- Equipment, machinery and tools
- Dealer, private sale and auction finance
Loan structure, tax position and what the lender looks for — explained properly.
For business assets, the loan structure matters as much as the rate. A chattel mortgage, finance lease and novated lease each have different implications for ownership, GST treatment, depreciation and cash flow. Choosing the wrong structure — even at a competitive rate — can create tax complications or cash flow pressure that wasn't obvious at the time of purchase.
TwoFold Lending works through the right structure for your specific asset, business type and tax position before recommending anything. We compare lenders across the full range of asset types — new, used, dealer, private sale and auction — and find the option that fits how you actually use the asset and run your finances.
Common questions
Asset Finance — frequently asked questions
What is asset finance and how does it work?
Asset finance lets you purchase a vehicle, machine or piece of equipment using the asset as security for the loan. You make regular repayments over an agreed term and typically own the asset outright at the end. For businesses, it's a common way to grow capacity without putting pressure on cash reserves.
Can I use asset finance for second-hand or used items?
Often yes. Most lenders will finance used assets, though their appetite depends on the type, age, condition and value of what you're buying. We identify which lenders have the most practical policies for the specific asset you have in mind.
What is the difference between a chattel mortgage and a finance lease?
With a chattel mortgage, you own the asset from day one and the lender holds a security interest over it. With a finance lease, the lender owns the asset during the loan term and you make payments to use it. Which structure suits you depends on your business type, GST registration and how you want to handle the tax — we work through this with you properly.