Plant & Machinery
Fund excavators, forklifts, manufacturing and production equipment.
Business Equipment Finance
Asset Finance
Fund the Equipment That Grows Your Business
From machinery and plant to technology, fit-out and specialised equipment, we help businesses compare asset finance options that support productivity without tying up working capital.
$2B+
Transaction Volume
1,000+
Clients Supported
40+
Lenders
Tailored
Broker Support
Asset Finance Explained
Equipment, Plant and Business Asset Funding
Asset finance is business lending used to acquire or refinance equipment — machinery, plant, vehicles, technology, medical devices, hospitality fit-out and more. The finance is generally secured against the asset itself.
Rather than paying upfront, businesses can spread the cost over the useful life of the equipment. Structures such as chattel mortgage, lease, hire purchase and rental each affect ownership, repayments and accounting treatment differently.
We compare suitable lenders, explain how each structure may apply to your business and prepare the application so equipment can be acquired with as little disruption as possible. We recommend confirming tax treatment with your accountant.
Wide asset range
Machinery, plant, technology, fit-out and specialised equipment.
Structure comparison
Chattel mortgage, lease, hire purchase and rental explained.
Business-first advice
Options considered against cash flow and growth plans.
What We Can Help With
Asset Finance for Every Business Need
The right structure depends on the equipment, how long you'll use it and how you want the cost to sit against your cash flow.
Technology & IT
Finance eligible hardware, systems and workplace technology upgrades.
Equipment Upgrades
Replace ageing assets to help manage downtime and running costs.
Agricultural Equipment
Tractors, harvesters, implements and eligible rural machinery.
Fit-Out & Specialised Assets
Hospitality, medical, dental, salon and trade equipment.
Asset Refinancing
Review existing equipment finance against suitable alternatives.
Finance Options
Asset Finance Options We Can Explore
Each structure treats ownership, repayments and end-of-term arrangements differently. We explain the trade-offs relevant to your business.
01
Chattel Mortgage
Your business owns the equipment from day one while the lender registers security over it.
02
Finance Lease
The lender owns the asset and leases it to your business for an agreed term, with residual conditions.
03
Hire Purchase
Agreed repayments over a term, with ownership transferring to your business at the end.
04
Operating Lease & Rental
Use the equipment for a period without ownership, which can suit assets replaced frequently.
05
Equipment Loans
Straightforward funding for eligible new or used business equipment.
06
Low-Doc Options
Some lenders offer streamlined applications for eligible established businesses and lower loan amounts.
07
Sale & Leaseback
Release equity from eligible equipment you already own, subject to lender assessment.
08
Asset Refinancing
Compare existing equipment facilities against suitable alternative terms and structures.
09
Equipment Lines of Credit
Pre-arranged facilities for businesses acquiring assets progressively over time.
Why Choose Us
Why Businesses Choose Winning Wealth Finance
Equipment decisions affect productivity and cash flow at the same time. We help you weigh both before committing.
Apply NowWho We Help
Asset Finance for Different Businesses
We assist eligible businesses acquiring single items of equipment through to larger, staged asset programs.
Small and Medium Businesses
Sole Traders and Self-Employed Operators
Construction and Civil Contractors
Manufacturing and Production Businesses
Agricultural and Rural Operators
Medical, Dental and Allied Health Practices
Hospitality and Retail Fit-Outs
Businesses Refinancing Existing Equipment Finance
The Process
How the Asset Finance Process Works
Getting Ready
What You May Need for Asset Finance
Requirements differ by lender, asset and loan size. Preparing the essentials early helps avoid delays with suppliers.
Requirements vary by lender, asset type, loan size and individual circumstances. All applications remain subject to eligibility, assessment and approval.
01
Proof of Identification
02
ABN and Business Details
03
Trading History
04
Recent Business Bank Statements
05
Financial Statements or Tax Returns
06
Supplier Quote or Invoice
07
Equipment Specifications and Condition
08
Existing Finance or Payout Details
Assessment
What Can Affect an Asset Finance Application?
Every lender applies its own credit and asset criteria. Pricing, terms and approval depend on the full application and are never guaranteed.
Estimate Your Asset Finance Repayments
Get an initial repayment guide using your equipment cost, term and residual. Results are indicative only and are not a quote or approval.
Equipment Finance Story
An Asset Finance Journey, Ready for Your Verified Result
The Business
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The Equipment
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Our Approach
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Outcome
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Client Feedback
What Our Clients Say
Editable placeholders — replace these with verified asset-finance reviews before publishing.
FAQs
Frequently Asked Questions About Asset Finance
Have a different equipment-finance question? Speak with our team for guidance based on your business and the asset involved.
Asset finance is business lending used to acquire or refinance equipment such as machinery, plant, technology or fit-out. The finance is generally secured against the asset and repaid over an agreed term.
Commonly machinery, plant, forklifts, agricultural equipment, manufacturing and production equipment, IT hardware, medical and dental equipment, and hospitality or retail fit-out. Eligibility depends on the lender and the asset.
Often yes. Lenders consider the age, condition, resale value and type of equipment. Older or highly specialised assets may attract shorter terms or different pricing.
With a chattel mortgage your business owns the asset from the outset with security registered against it. Under a lease the lender owns the asset and your business pays to use it, with residual and end-of-term conditions. Confirm the accounting and tax implications with your accountant.
Some applications proceed without a deposit while others benefit from a contribution or trade-in. It depends on the lender, the asset, your trading history and the overall application.
Some lenders consider newer ABNs, often with additional supporting information such as industry experience, asset backing or a deposit. Options are more limited and assessed case by case.
Treatment of depreciation, interest and GST can differ between structures and depend on your circumstances. We can explain how each structure generally works, but you should confirm your tax position with your accountant.
It is an amount due at the end of the term. It can reduce regular repayments but increases what's owing later and generally the total cost, so it should be planned for in advance.
Sale and leaseback may allow eligible businesses to release equity from equipment they already own, subject to lender assessment, valuation and criteria.
Commonly identification, ABN details, bank statements and the supplier quote or invoice. Financial statements or tax returns may also be requested depending on the lender and loan size.
Timing depends on the lender, the asset, application complexity and how quickly documents are provided. We give a realistic expectation rather than promise a fixed timeframe.
Looking for Another Type of Finance?
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Let's Find the Right Asset Finance Solution
Tell us about the equipment and your business. We'll help you understand suitable asset finance options and the next steps.