What Can Be Financed?

Vehicles (Cars, Utes & Vans)

Vehicle finance for business use

Finance for cars, utes, vans, and commercial vehicles is typically assessed based on how the vehicle is used within the business and how repayments are supported by cash flow.

Assessment commonly considers:

  • business income and structure
  • vehicle type and age
  • deposit or trade-in position
  • GST and tax treatment

Both new and used vehicles can be considered, depending on the scenario and lender.

Trucks & Transport Equipment

Truck and transport equipment finance

Truck finance is assessed differently from standard vehicle lending due to asset value, resale risk, and operating costs.

Lenders typically look at:

  • transport income and contracts
  • time in business and experience
  • vehicle specifications and age
  • maintenance and running costs

Different lenders apply different risk tolerances, which can affect outcomes.

Machinery & Plant

Machinery and plant finance

Finance for machinery and plant is often tied closely to the asset’s working life and income-generating capacity.

Assessment usually includes:

  • asset type and condition
  • supplier details
  • business cash flow
  • expected useful life of the equipment

This applies across construction, manufacturing, agriculture, and related industries.

Construction & Earthmoving Equipment

Construction and earthmoving equipment finance

Earthmoving and construction equipment is typically assessed with a strong focus on:

  • asset value and resale market
  • business activity and contracts
  • utilisation rates
  • overall exposure

Both new and used equipment may be considered, depending on age and condition.

Medical & Professional Equipment

Medical and professional equipment finance

Medical, dental, and professional equipment is often assessed with consideration given to:

  • profession and business structure
  • stability of income
  • asset type and supplier
  • replacement cycle

These assets are usually treated differently from general machinery due to their specialised nature.

Business Assets & Fit-Outs

Business asset and fit-out finance

Finance for business assets and fit-outs may include:

  • internal equipment
  • fixtures and fittings
  • technology and systems

Assessment depends on how the assets support business operations and whether they retain value over time.

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