Equipment & Vehicle Finance · Business Assets
Finance for the assets that run your business.
Fast, structured equipment and vehicle finance that works with your cashflow... not against it. From commercial vehicles to heavy machinery to office equipment.
Rebecca Tickner
Finance Broker · Maxfin
Sound familiar?
The problems I hear most often.
Your cashflow can't absorb a large upfront purchase
The asset you need is significant. Paying cash or waiting until you've saved enough means your business misses out on productive capacity right now.
You're not sure which finance structure suits your business
Chattel mortgage, finance lease, hire purchase, operating lease... the options are confusing and the tax implications of each differ significantly.
Your bank is slow and the deal can't wait
Bank finance is often slow for business assets. You need a decision in days, not weeks, and you need someone who understands how to make it happen.
How It Works
Four steps. No surprises.
01
Understand the Asset & Use
I look at what you're financing, how it's used in your business, and your GST and tax position to identify the right structure.
02
Structure the Finance
Chattel mortgage, finance lease, or hire purchase... I'll recommend the structure that fits your cashflow and maximises your tax position.
03
Fast Application
Equipment and vehicle finance approvals are often faster than property. Many applications are assessed within 24-48 hours.
04
Settlement & Delivery
Finance settled, asset delivered. Minimal disruption to your business operations.
In Practice
Business asset finance is about speed and structure. The wrong loan ties up your cashflow for years; the right one quietly powers your operations and your tax position.
Rebecca Tickner
What you get working with me.
Preserves working capital
Keep cash in your business for operations and opportunities. Finance the asset over time rather than depleting your reserves.
Potential tax advantages
The right structure may allow you to claim depreciation, interest deductions, or GST credits. I'll point you toward the right advice for your business.
Fast approvals
Many business asset applications are assessed within 24-48 hours. When the deal can't wait, speed matters.
Access to specialist business lenders
Not all lenders are equal for business finance. I have access to lenders who understand business assets and can move quickly.
Right loan term for the asset
Matching the loan term to the useful life of the asset keeps your payments sensible and your balance sheet clean.
Vehicles, equipment, and fit-out
Commercial vehicles, trucks, machinery, office equipment, and shopfits. If it runs your business, I can finance it.
Questions
Frequently asked.
How much does a broker cost?
Generally, nothing. Lenders pay me a commission when the loan settles, and it doesn't change your rate or your loan amount one bit. My service costs you nothing, plus you get a lot of support, education and guidance, all in your best interests. No-brainer, right?
Heads up: more complex or strategic work may involve an upfront fee. Always disclosed up front.
What types of assets can be financed?
Commercial vehicles, trucks and trailers, plant and machinery, office equipment, medical equipment, fit-out and fixtures, technology assets, and more. If it has a productive life in your business, it can usually be financed.
What's the difference between a chattel mortgage and a finance lease?
With a chattel mortgage, you own the asset from day one and can claim depreciation. With a finance lease, the lender owns the asset and you lease it, which may suit businesses that want to upgrade frequently. The right structure depends on your tax position and how you use the asset.
How fast can finance be approved?
For most standard business assets under $150K, approval can often be achieved within 24-48 hours. Larger or more complex assets take longer. I'll give you a realistic timeline upfront.
Do I need to be GST-registered?
Not necessarily, but GST registration affects the structure options available and the tax benefits. I'll factor this into the recommendation.
Can I finance a used vehicle or piece of equipment?
Yes. Most lenders will finance used assets up to a certain age. The terms may differ from new asset finance. I'll find the right lender for the asset you're purchasing.
What deposit is required?
Varies by lender and asset type. Some lenders offer 100% finance on strong applications. I'll give you the realistic picture for your situation.