Vehicles, EVs, commercial plant, machinery and equipment — asset finance arranged through our specialist asset finance brokers, including chattel mortgage, finance lease and rental structures. Know what you can spend, negotiate from a position of strength, settle inside 24 hours once the asset is found.
Equipment and asset finance is a specialism in its own right. Lender policies, asset categories, low-doc thresholds and balloon structures change constantly, and the brokers who do this well do nothing else. Our equipment and asset finance is handled by specialist asset finance brokers — some in our team, some via credit-licensed partner relationships — all working under specialist asset finance accreditations. They handle the lender selection, the application and the settlement. Our mortgage brokers introduce the deal, coordinate where it touches your home loan or commercial structure, and stay in the relationship.
Pre-approval is typically valid for around 90 days. You walk into the dealership knowing exactly what you can spend, negotiate on price and trade-in from a position of strength, and avoid the dealership snipping the finance off you on the way through.
Electric vehicles and hybrids are currently the busiest category — particularly for drivers swapping out of diesel. We arrange pre-approval, help with trade-in valuation, and can liaise with the dealer on price. 24-hour settlement once the right car is found.
Cranes, trucks, excavators, diggers, trailers and trade equipment — new or used, dealer or private sale, including auction-house assets. Whole-of-panel access across bank and specialist asset funders, matched to the asset and the operator.
For businesses with 2+ years ABN, GST registered, and director as a property owner, low-doc asset finance is typically available — possibly without full financials, often up to around $200,000–$300,000, depending on the asset and the lender. Streamlined approvals on common asset types.
The most valuable refinance opportunity is usually the balloon coming due. Smaller repayments through the term, then refinance the residual into a replacement asset. We structure the rollover so it actually saves you money instead of triggering early exit fees on the existing facility.
Already own the asset outright? Capital raise of up to ~90% of current market value, available at any point in ownership. Recently bought with cash? Sale-and-buyback within six months puts the working capital back into your business.
Dealership finance is built to keep the commission inside the dealership. Most of the time, our partner can beat what's offered on the day — the exception is manufacturer subvention campaigns (the rate-bait specials when a manufacturer is moving stock). Outside those, walking in pre-approved usually delivers a better rate, a better structure, and a better trade-in outcome.
Pre-approval works for vehicles, EVs and commercial assets alike. Once it's in place you've got around 90 days to shop. When the asset is found, settlement is typically a 24-hour turnaround. Trade-in cash can come back to you in cash rather than being lopped off the next asset — most clients don't realise that's an option.
Electric vehicles and hybrids have surged in demand since the recent fuel price rises — and despite the noise in the media, EV supply is genuinely fine. If you're swapping out of diesel, pre-approval first means you can shop the make and model you actually want rather than what the first dealer happens to have on the floor.
Equipment and asset finance enquiries that come through Finance on the Coast are handled by our specialist asset finance brokers — some working from our office, some through credit-licensed partner relationships. Together they cover the whole asset finance lender panel. They handle the lender selection, application and settlement end-to-end. Our mortgage brokers introduce, coordinate where the deal touches your other lending, and stay in the relationship through the life of the facility.
The choice of finance structure depends on your tax position and how the asset is used in your business — that's a decision for your accountant, not for us. We do not provide tax advice. For consumer (personal) asset purchases, the broker handling the application will operate under the applicable consumer credit compliance framework and will issue the relevant disclosures directly.