Asset Finance

Invest in new equipment or upgrade your business assets to grow your business.

Let's find the right asset finance solution for your business

Looking to secure new equipment, vehicles, or technology for your enterprise? Asset finance offers a smart way to acquire the assets you need without impacting your working capital.

Compared to traditional forms of finance, the benefits of asset finance can be substantial. You could enjoy advantages like avoiding depreciation, freeing up capital for other investments, improving cash flow with structured payments, and significantly reducing upfront costs.

Gwen is here to cut through the jargon and explain how asset finance can benefit your unique situation. We'll help you explore flexible options to get the assets you need, simply and effectively.

Our Simple Process to Grow Your Business with Asset Finance

It’s simple. We’ll find you the right asset finance solution that works in your best interest.

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1

Let's Connect & Discuss Your Needs

‍Get in touch with us to discuss your current business goals and the assets you're looking to acquire. We can chat in person or online – whatever works best for you.

2

Your Custom Finance Shortlist

We'll research our extensive panel of banks and lenders to create a tailored shortlist of asset finance solutions that perfectly match your business's unique requirements and objectives.

3

Getting Your Pre-Approval Ready

‍Once you've selected the best option from your shortlist, we'll efficiently guide you through the pre-approval process with your chosen lender, so you know exactly where you stand.

4

Time to Choose Your Assets!

‍With pre-approval in hand, it's time for you to confidently decide on the specific equipment or assets you need to run, grow, or expand your business.

5

Securing Your Asset Finance

‍We'll take care of all the necessary paperwork and liaise directly with your chosen lender to efficiently secure the finance for your new assets, making the process seamless for you.

6

You're Ready to Go!

‍The finance agreement is finalised, the asset is purchased, and it's all yours! You can now begin using your new asset to boost your business, without a significant upfront capital outlay.

Explore your loan options & their features.

Use these calculators to help you understand your borrowing power, calculate your loan repayments and determine how the numbers stack up.

Commercial hire purchase

Obtain the business equipment or car you need through a hire purchase loan, where you pay hire charges over a fixed period. As soon as all your hire purchase payments are complete, ownership of the asset is transferred to you.

Chattel mortgage

Commonly used by business owners and operators for car and equipment finance.  With a chattel mortgage, the asset is owned by you from the outset and the loan agreement is secured by the asset.

Finance lease

Finance leases are flexible leases for businesses wanting the option to buy at the end of the lease or hand back the asset.

Novated lease

A novated lease is one of the easiest and most cost-effective ways to buy and own a car. This way, the financier owns the asset, while you and your employer sign a novation agreement to share the responsibilities of the loan.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

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Frequently asked questions.

View our full FAQs
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Are finance brokers regulated?

Yes, finance brokers are regulated to ensure they operate fairly and transparently. In many countries, brokers must be licensed and adhere to specific industry standards. This regulation helps protect consumers by ensuring that brokers act in their clients' best interests and provide accurate information.

Before working with a broker, it's advisable to verify their credentials and ensure they are compliant with local regulations.

Are there differences in borrowing power between Brisbane and Gold Coast properties?

Yes — location affects property values and lender risk profiles. We’ll assess your borrowing capacity based on the exact suburb you’re targeting.

Are there loans for building or renovating in Tamborine?

Yes, we can help with construction loans or renovation-specific personal loans. Even if you’re just upgrading a shed or adding a studio — we can find options.

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Can I still get a home loan in Logan with a low deposit?

Yes! There are low-deposit options available, including First Home Guarantee schemes and lender-specific products. Ferns Finance Brokers can help you find the best fit based on your situation.

Can a finance broker help with bad credit?

Yes, finance brokers can assist clients with bad credit. They have access to lenders who specialize in offering loans to individuals with less-than-perfect credit histories. Brokers can help you understand your options and find a lender willing to work with your situation.

While securing a loan with bad credit may come with higher interest rates, a broker can help you navigate these challenges and find the best possible terms.

Can you help me refinance my current mortgage to a better deal?

Absolutely. We offer free assessments to compare your current rate with what’s available — and if there’s a better option, we’ll make it easy to switch.

Talk to us today about your options.

Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.

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