Joe Anto
Director — Influx Financial & OneHQ Accounting
- Tax planning & accounting
- Self-employed lending support
- Business finances
Asset Finance
Fund the gear, keep the cash flow
Vehicles, machinery, fit-outs and technology keep a business moving — but paying cash for them drains the working capital you need elsewhere. Asset finance spreads the cost over the asset's working life. We compare facilities across lenders and, with our accounting arm, make sure the structure suits your tax position too.
Who this is for
- Businesses buying utes, vans or car fleets
- Trades and construction businesses funding machinery
- Medical, hospitality and retail operators funding fit-outs and equipment
- Sole traders and ABN holders upgrading their work vehicle
The usual sticking points
Dealer finance is convenient, not cheap
The finance offered at the dealership is one option from one source. Convenience often costs percentage points.
Structures have different tax outcomes
Chattel mortgage, finance lease, rental — each treats depreciation, GST and deductions differently. The wrong pick leaves money on the table.
Balloon payments need a plan
A residual balloon lowers monthly repayments but leaves a lump sum at the end. Without a plan, it becomes a refinancing scramble.
How Influx helps
What we actually do about it
Lenders compared before you sign anything
We quote across banks and specialist asset financiers — often same-day — so you can negotiate the purchase knowing your funding cost.
Structure matched to your tax position
With OneHQ Accounting alongside, the facility type is chosen with your actual tax situation in view, not a generic assumption.
Fast, low-doc where it fits
Established ABN holders can often access streamlined approvals with minimal financials for standard assets. We know which lenders make it easy.
Step by step
How the process runs
You'll know what's happening at every stage — this is the map.
- 1
Quick quote
Tell us the asset and rough price — we come back with indicative rates fast.
- 2
Structure check
Chattel mortgage, lease or rental — confirmed against your tax setup.
- 3
Approval
Often within days for standard assets and established businesses.
- 4
Settlement with the seller
We coordinate payment with the dealer or vendor so pickup isn't delayed.
- 5
End-of-term planning
Balloon due or gear ageing? We plan the next step before it's urgent.
Worth knowing
Key considerations before you start
- New and used assets are financed differently — age limits apply to most equipment.
- Balloon/residual amounts reduce repayments but must be paid or refinanced at term end.
- Instant asset write-off rules change between federal budgets — check current settings before relying on them.
- Private-sale purchases are financeable with most lenders but need extra checks.
The information on this page is general in nature and does not take your personal objectives, financial situation or needs into account. Consider whether the information is appropriate for your circumstances and seek advice before acting on it. Lending criteria, fees and charges apply to all loan products.
FAQs
Asset Finance questions, answered
What is a chattel mortgage?
The most common business vehicle facility — you own the asset from day one, the lender takes security over it, and your business may claim depreciation and interest, plus GST credits where registered. Whether it suits you depends on your tax position.
Can I finance a used vehicle or machine?
Usually yes, subject to age limits (often the asset must be under a certain age at the end of the loan term). Rates on older assets can be slightly higher.
How fast can asset finance be approved?
For established businesses buying standard assets, approvals inside 24–48 hours are common. Complex assets or newer ABNs take longer.
Should I use a balloon payment?
A balloon frees up monthly cash flow and can align repayments with the asset's resale value, but the lump sum needs a plan — sale, refinance or payout. We model it both ways so you choose deliberately.
Your specialist
Who you'll be working with
Related services
Also worth a look
Commercial Loans
Commercial property purchases, owner-occupied premises and business lending compared across banks and specialist lenders.
Learn moreSelf-Employed Loans
Home loans for business owners, contractors and freelancers.
Learn moreAccounting & Tax
Tax returns, planning and business accounting through OneHQ Accounting — coordinated with your lending so both sides work together.
Learn morePrice your purchase before you commit
Send us the asset details and we'll quote your options quickly — before the dealer's finance desk does.
Or send an enquiry and we'll call you back.