Asset Finance
Smart Funding Solutions for Vehicles, Equipment & Business Growth
Whether you’re purchasing a new vehicle, upgrading business equipment, or investing in machinery to grow your operations, Prospect Finance Group provides tailored asset finance solutions designed to keep your business moving.
We work with a broad panel of trusted Australian lenders to help individuals, sole traders, SMEs, and established businesses secure competitive finance solutions for a wide range of assets—with flexible terms, fast approvals, and repayment structures suited to your cash flow.
Finance smarter. Grow faster. Own the assets that move your future forward.
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What is Asset Finance?
Asset finance is a funding solution that helps individuals and businesses purchase essential assets without requiring full upfront payment.
Instead of tying up valuable cash reserves, you can spread the cost over manageable repayments while enjoying immediate use of the asset.
Asset finance can be used for:
✓ Cars & passenger vehicles
✓ Utes & commercial vehicles
✓ Trucks & transport equipment
✓ Excavators & earthmoving machinery
✓ Construction equipment
✓ Farming machinery
✓ Medical & professional equipment
✓ Office fit-outs & technology
✓ Manufacturing equipment
✓ Business tools & specialised machinery
✓ Trailers & plant equipment
✓ Renewable energy equipment
Our Asset Finance Solutions
Vehicle Finance
Secure finance for personal, business, or commercial vehicles with competitive rates and flexible repayment terms.
Suitable for:
- Cars
- Utes
- Vans
- Trucks
- Fleet purchases
- Electric vehicles
Equipment Finance
Acquire essential equipment without disrupting working capital.
Suitable for:
- Construction machinery
- Industrial equipment
- Agricultural machinery
- Manufacturing equipment
- Professional equipment
- Medical devices
Chattel Mortgage
A popular solution for businesses purchasing vehicles or equipment used predominantly for business purposes.
Benefits may include:
✓ Potential GST benefits
✓ Possible depreciation claims
✓ Potential interest deductibility (subject to tax advice)
✓ Ownership from day one
✓ Flexible balloon payment options
Commercial Hire Purchase
Access equipment immediately while spreading payments over time, with ownership typically transferring at the end of the agreement.
Ideal for businesses wanting certainty around repayments and budgeting.
Finance Lease
Use the asset while preserving capital, with flexible options at the end of the lease term.
Suitable for businesses seeking operational flexibility.
Low Doc Asset Finance
For self-employed clients, contractors, and business owners who may not have full financial documentation available.
Options may be available using:
✓ BAS statements
✓ Accountant declarations
✓ Business bank statements
✓ ABN trading history
Why Choose Prospect Finance Group?
Tailored Finance Solutions
Every client’s financial position is different. We structure finance around your goals, business model, and cash flow requirements.
Access to Multiple Lenders
We compare options across a broad lending panel to help secure competitive finance solutions.
Fast Turnaround
When timing matters, we work efficiently to move applications forward quickly.
Flexible Repayment Structures
Weekly, fortnightly, or monthly repayments available, with options tailored to your circumstances.
Personalised Service
You deal directly with an experienced finance specialist who understands lending strategy—not a call centre.
Who We Help
We assist:
✓ Business owners
✓ Sole traders
✓ Self-employed borrowers
✓ Transport operators
✓ Tradies & contractors
✓ Farmers & agricultural businesses
✓ Medical professionals
✓ Growing SMEs
✓ Property developers
✓ Individuals purchasing vehicles
Why Use Asset Finance Instead of Cash?
Using finance can help you:
✓ Preserve business cash flow
✓ Maintain liquidity for operations
✓ Upgrade equipment sooner
✓ Access tax-effective structures (subject to advice)
✓ Improve productivity
✓ Expand faster without heavy upfront capital outlay
✓ Match repayments to asset use
Our Process
1. Initial Consultation
We understand your needs, business goals, and asset requirements.
2. Lending Assessment
We compare lender options and identify suitable finance structures.
3. Application Submission
We prepare and lodge your application professionally.
4. Approval & Settlement
Once approved, finance is settled efficiently so you can access your asset sooner.
Frequently Asked Questions
How quickly can asset finance be approved?
In many cases, approvals can be obtained quickly, depending on lender requirements and the complexity of the application.
Can self-employed borrowers apply?
Yes. We assist self-employed borrowers, including low doc scenarios where eligible.
Can I finance used equipment?
Yes. Finance may be available for eligible used assets, subject to lender criteria.
Is a deposit required?
Not always. Some finance options may allow little or no deposit, subject to lending assessment.
Can repayments be structured around cash flow?
Yes. Flexible repayment options may be available depending on lender policy.
Apply Now
Finance the Assets That Power Your Future
Whether you’re buying a single vehicle or funding major business equipment, Prospect Finance Group can help structure the right finance solution.
Fast. Flexible. Tailored Finance.