Equipment & Asset Finance for Australian Businesses

Secured CapEx for growth

Asset finance allows a business to acquire equipment and other income-producing assets without necessarily paying the entire purchase price upfront.

Depending on the asset, business and lender, the finance may be secured primarily against the equipment being purchased, with the structure and repayment profile determined by factors such as asset type, age, useful life, purchase price and business cash flow.

Winterfold considers the asset purchase as part of the broader business position. That means looking beyond the headline interest rate to issues such as repayment structure, deposit requirements, residual or balloon payments where applicable and the impact on working capital.

Equipment and assets that may be financed

Depending on lender criteria and the transaction, asset finance may be available for:

  • Plant and heavy machinery
  • Earthmoving and construction equipment
  • Mining and resources equipment
  • Trucks, trailers and commercial vehicles
  • Utes, vans and passenger vehicles
  • Business fleets
  • Agricultural machinery
  • Medical and specialist equipment
  • Manufacturing equipment
  • Material-handling equipment
  • Technology and other business equipment

Used equipment may also be financeable. Lenders can consider factors including its age, condition, value, supplier and expected remaining useful life.

Why businesses use asset finance

01

Preserve working capital

Funding an asset can reduce the amount of cash required upfront, leaving liquidity available for other operating requirements.

02

Match funding to the asset

Loan terms and repayment structures can be considered alongside the useful life and income-producing role of the equipment.

03

Support expansion

Asset finance can help a business add productive capacity without waiting until the full purchase price is available in cash.

04

Plan replacement cycles

Appropriate fleet and equipment facilities can support businesses that regularly replace or expand their asset base.

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Related services

Working Capital / Cashflow Funding

Support operating liquidity alongside an equipment purchase.

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Commercial Property

Finance business premises, investment property and commercial development.

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Debt Advisory Services

Review existing facilities and broader debt structures.

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Equipment and asset finance FAQs

What assets can be financed?

Potentially anything from vehicles and trucks to machinery, plant and specialist business equipment. Eligibility depends on the asset, borrower and lender criteria.

Is a deposit required for equipment finance?

Not in every transaction. Deposit requirements depend on factors including the asset, purchase price, borrower strength, loan structure and lender.

Can used equipment be financed?

Yes, subject to lender criteria. Age, condition, value, supplier and remaining useful life may influence the available terms.

How quickly can equipment finance be approved?

Timing varies according to the complexity of the application, information available, asset and lender. A well-prepared application can help reduce avoidable delays, but approval timeframes cannot be guaranteed.