We’re a team of experienced asset finance brokers that help Aussie businesses get the equipment they need in less than 24hrs.
Accreditations
At Stacked Finance, our mission is simple.
We help Aussie businesses secure fast asset finance.
Whether you’re looking for a new or used car, ute, truck, trailer, equipment, machinery, or other business loan, our team goes above and beyond to ensure you have what you need when you need it.
We generally consider four key factors when helping our clients secure assets for their business.
The good news is that we service all industries, from transport and construction to healthcare and agriculture. No asset is off-limits. This includes trucks, trailers, tractors, sprayers, coffee machines, commercial fridges, excavators, and even medical equipment!
However, various factors will impact the available lenders, interest rates, repayment options, and verifying and obtaining the asset. These can include:
Most businesses want to obtain the asset ASAP so it can used to generate a return.
However, the speed at which you need the asset will impact the type of loan you will apply for.
For example, if you need asset finance for an excavator within 24hrs you’ll want to move ahead with a no-doc or low-doc loan. They come with rigid criteria (usually a fixed matrix) and higher rates. They also rely heavily on your credit score to be approved.
Here are some questions to think about:
There are loads of questions to be asked in the early stages of applying for your loan.
This is why we recommend booking a free 1-1 discovery call so our experienced team can guide you through the steps. We’ll make sure we get you the very best deal with the least amount of paperwork.
After you’ve answered these questions you’ll likely choose one of the following loan types:
Chattel Mortgage: Your business owns the asset (e.g. ute or coffee machines) immediately but the lender holds a mortgage as security. You can claim tax deductions for GST, depreciation, and interest.
Commercial Hire Purchase: Your business rents the asset from the lender with regular payments until ownership transfers at the end of the term. There are also tax benefits for GST, interest, and depreciation. This is typical with business vehicles like trucks and vans.
Finance Lease: Your business rents the asset from the lender without gaining immediate ownership. You can deduct lease payments as operating expenses, with the option to purchase at the end of the term.
Operating Lease: This is for businesses that prefer to keep the asset off the balance sheet. Your business rents the asset, and maintenance is often included. You return it at the end of the term and can deduct payments as operating expenses.
When it comes to financials and income verification, lenders are trying to determine if you can make repayments.
In other words, the lender needs to know you can afford the loan repayments.
The business must be doing well enough to handle the repayments over the life of the loan as well. Your business financial position will help determine the loan terms like the interest rate, deposit, and repayment schedules.
The type of documentation you’re required to provide will depend on the loan type you apply for (e.g. low doc or full doc). You may only need to provide your personal and business credit score for low documentation loans (low-doc) or no documentation loans (no-doc) provided your ABN and GST are over 2 years old. Usually, bank statements are not even required.
In most cases, our team of brokers will guide you on whether your application will be approved at no doc, low doc, or full doc. And which loan type makes the most sense for your situation.
However, for a full documentation loan (full-doc) lenders may ask for:
Every lender will have their own product guide and policy that determines which documents they require to access specific products, rates, and terms.
We don’t claim to be tax experts, however, we work closely with accountants to ensure we can provide the right strategy.
Tax implications and related legislation are crucial when financing assets in Australia.
They can seriously impact your bottom line and make or break your decision.
For example, with a chattel mortgage, you can claim GST upfront on the equipment purchase (which means getting a chunk of cash back quickly), plus you can deduct depreciation and interest payments at tax time.
This can save you thousands each year and improve cash flow.
We’ve also partnered with a team of accountants who help us review your needs and make the most informed decision.
Ready to acquire the assets your business needs to grow?
Our team of experts is here to guide you through every step of the asset finance process.
Book a free 1-1 discovery call with our team today or submit an online enquiry.
It’s no secret that asset finance is essential for Australian businesses across every industry.
From vehicles and machinery to technology and specialised equipment, it’s how businesses obtain the critical assets they need to secure new contracts, expand operations, and stay competitive.
Every asset finance solution is tailored to match your business needs, industry requirements, and financial circumstances.
Here’s an overview of our finance options. Please note that terms and rates may vary at the time of application based on market conditions and individual assessments.
Feel free to estimate your rate, term, and deposit to get an idea of how much your repayments might be. Please keep in mind this is only to get a general idea and is not the calculator we will use to determine your actual loan repayments.
Securing the right asset is a big deal and can make or break your business.
Our job is to cut through the noise, find you the right options, and close a deal quickly.
We work with local businesses like yours across Sydney, Canberra, Melbourne and Queensland. Whether you’re a tradie expanding your fleet, a transport company signing new routes, or a small business looking to upgrade your coffee machines, we’re here to make it happen.
Our team understands how important it is to ensure you get the best service possible, access to the right finance, and support throughout the whole process.
Unlike a home loan or personal loan, your access to asset finance will determine how fast you can grow your business.
Get in touch with our team today so we can guide you through the process and find the best deal on your business asset.
You can book a free discovery call with our team to learn about your options or simply submit an enquiry and we’ll call you back as soon as possible.
of a fast asset loan?
Step 1
We offer discovery calls to learn about your business & asset finance requirements.
Step 2
Step 3
We’ll secure pre-approval based on steps 1 and 2 so you have peace of mind.
Step 4
Found the exact asset you need? We’ll make sure you’re approved and the funds are available.
Our core team is based in Sydney. However, we support businesses all over Australia including Melbourne, Brisbane, Perth, Adelaide, Gold Coast, Canberra, and Newcastle.
We believe integrity is the most important quality of a broker. Our team is honest and transparent about the options, fees, rates, timelines, and anything else you need to know.
We’re committed to helping our clients. This means being available when they are. Most of our clients are busy running their companies – we ensure we’re available to support you when you need it most.
Loan amounts:
Up to $100,000
Loan Terms:
3, 5, and 7 years (depending on the age of the asset)
Loan amounts:
Secured and unsecured
Repayments:
Weekly, fortnightly, and monthly
Interest rate :
Fixed
Not sure where to start? Feel free to book a call with our team to chat through your objectives. On the call, we’ll talk you through your business goals, asset requirements, processes, expected timelines, and anything else to help you make an informed decision.
Asset finance is a funding solution that helps Aussie businesses acquire the equipment they need without tying up their cash. Instead of paying the full cost of the asset upfront, you can spread the expense over time, keeping your cash flow flexible and your business moving forward. There are four common types of solutions including chattel mortgage, commercial hire purchase, operating lease, and finance lease.
Most Australian businesses (including sole traders) are eligible for asset finance!
We typically look for established businesses with a solid trading history, decent cash flow, and a clear plan for how the asset will increase your business performance. Lenders also need two years ABN and GST registration to be eligible for most low-doc and no-doc loans.
Whether you’re a small tradie in Perth or a growing SME in Sydney, we’ll find a financing solution that fits.
Our process is designed for business owners who need things done quickly. Depending on your loan type, documentation, and asset type, we can turn around an approval in 24-48 hours. Once approved, funds can be released within a couple of hours.
You can definitely refinance an existing asset but it will depend on the age, type of asset, the reason you want to refinance, the lender you’re with, and a few other factors. This is why it’s best to reach out to our team so we can help you reach your goals.
However, it’s worth considering how much interest you will need to pay, your monthly payments, and why you are refinancing.
Getting asset finance is pretty simple and common in Australia.
Asset loans generally use the asset itself as security, creating a financing structure that benefits both the lender and the business owner.
The process typically involves three key structures in the Australian market:
Chattel Mortgage
Finance Lease
Hire Purchase
Most businesses opt for one of the above methods because it has the following benefits:
The golden rule is simple: assets must serve a clear business purpose.
While that sounds straightforward, lenders have specific criteria about what qualifies.
They’re looking at the asset’s potential to generate value for your business. This means they want to know the value of the asset and the full use of the asset.
In addition, most lenders have stringent policies about the types of assets they’ll finance based on resale value. These are usually categorised as primary, secondary, or tertiary (in some cases category A, B, or C).
Here are some of the most common assets we finance for our clients:
Asset finance preserves your working capital by spreading the cost over time. Instead of a massive upfront payment, you make small and manageable monthly repayments. In some cases, you can opt for a higher balloon payment too which means you only need to pay a smaller lump sum at the end of the loan term. This means you can keep your cash to invest in the growth of your company, manage unexpected expenses, and keep your business agile.
Reducing your repayments comes down to a few core factors. Here’s what we recommend to our clients to keep costs low:
Loan term strategies
Deposit & upfront payment
Additional Tactics
Pro Tip: Don’t just chase the lowest repayment. The cheapest option isn’t always the most cost-effective long-term. A slightly higher repayment might save you thousands in total interest.
Our brokers will crunch the numbers and find a sweet spot between repayment size and overall loan cost.
Unfortunately, we can’t offer financial advise, so this is something you will need to discuss with your accountant. However, here are some things to consider about getting an asset loan:
Yes, just because you have a bad credit rating does not mean you are ineligible.
Our lending specialists will help you access the assets you need regardless of your credit score or credit history.
Please keep in mind that a bad credit score tends to attract higher interest rates and less favourable finance solutions. You may be required to provide additional information.
Please schedule a 20-minute discovery call with our team today to learn how we can help you.
Stacked Finance is focused on the commercial market as opposed to consumer. We classify all of our clients as business customers.
This means we only help Australian businesses obtain equipment loans/asset loans or business loans.
Whether you need a new asset like a truck, ute, trailer, or digger, we can help. Our team is also skilled at providing working capital loans, cash flow finance, unsecured loans, startup loans, or any other specific type of business-related funding.
Feel free to also use our calculators to get an estimate for what your repayments may be.
Emmanuel
Asset Finance Specialist
Send Emmanuel a message and he'll get back to you shortly.
Or call Emmanuel directly on 0417 209 702
