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.

GST Calculator

Use this calculator to Add or Remove GST from an amount. Perfect for: Business owners calculating GST for invoices Accountants and bookkeepers Anyone needing to work out GST on transactions Understanding what portion of a price is GST

Calculate now

Frequently asked questions.

View our full FAQs
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What is a finance broker?

A finance broker is a professional who acts as an intermediary between clients and lenders. They help individuals and businesses secure loans, mortgages, and other financial products. By leveraging their knowledge of the market, finance brokers can find the best deals tailored to their clients' needs.

Finance brokers are particularly useful for those who may not have the time or expertise to navigate the complex world of finance on their own. They provide valuable insights and guidance throughout the borrowing process.

What is the process of working with a finance broker?

The process of working with a finance broker typically involves the following steps:

  1. Initial Consultation: Discuss your financial needs and goals with the broker.
  2. Document Submission: Provide necessary documents for assessment.
  3. Loan Options: The broker will present suitable loan options based on your profile.
  4. Application Process: The broker will assist you in completing the application and submitting it to the lender.

This structured approach ensures that you receive personalised service throughout the borrowing process.

What should I ask my finance broker?

When meeting with a finance broker, consider asking the following questions:

  • What lenders do you work with? Understanding their network can help you gauge your options.
  • What fees do you charge? Clarifying costs upfront can prevent misunderstandings.
  • How will you communicate with me? Establishing communication preferences can enhance your experience.

Asking the right questions can lead to a more productive relationship with your broker.

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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