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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Do I have to come into an office to apply?

Not at all! We offer phone, video, and online appointments — perfect if you're in a rural spot or juggling a busy schedule.

Do I need a finance broker?

Whether you need a finance broker depends on your financial situation and comfort level with the borrowing process. If you have a good understanding of financial products and feel confident negotiating with lenders, you may not need a broker. However, if you're unfamiliar with the process or have specific needs, a broker can provide valuable assistance.

Ultimately, the decision should be based on your individual circumstances and preferences.

Do you help with house and land packages in new developments around Logan or Yarrabilba?

Definitely. We often work with clients purchasing in estates like Yarrabilba, Flagstone, or Ripley Valley. We can guide you through finance stages tied to construction.

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Do you offer asset finance for tradies or service businesses in Logan or Gold Coast?

Yes — we can assist with vehicle loans, tools, office fit-outs, and more. If it helps your business grow, we’ll help you finance it.

Do you work with local real estate agents and conveyancers?

Yes — we have a strong local network and can connect you with trusted professionals to make the process smooth.

How do finance brokers get paid?

Finance brokers typically earn their income through commissions paid by lenders when a loan is successfully arranged. This means that their services are often free for clients, as the lender covers the broker's fees. However, some brokers may charge a fee directly to clients for their services, especially if they provide additional consulting or financial planning.

It's important for clients to clarify the payment structure with their broker upfront to avoid any surprises later in the process.

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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