Asset Finance
Access financing for the valuable assets your business needs to operate, expand and improve its long-term capabilities.
Put essential business assets within reach
Business assets play an important role in delivering products, providing services and generating revenue. Acquiring the right assets can help improve productivity, strengthen operations and support future growth.
WiseChoice Financials considers asset financing enquiries from eligible registered businesses seeking to purchase, upgrade or acquire assets for commercial use.
Whether your business needs operational machinery, specialist equipment, vehicles or other eligible commercial assets, we can review your requirements and assess possible financing arrangements.
Start Your ApplicationAsset finance at a glance
- Financing for eligible commercial assets
- Potential funding for new or used assets
- Options assessed around business requirements
- Potential secured or unsecured arrangements, subject to assessment
- Applicable fees and conditions disclosed before commitment
Assets that may support your business
Asset eligibility depends on the type, value, condition, ownership structure and intended commercial use.
Industrial Assets
Manufacturing machinery, production systems, processing equipment and industrial installations.
Commercial Equipment
Warehouse systems, refrigeration units, commercial kitchen equipment and specialist operational tools.
Vehicles and Transport Assets
Eligible commercial vehicles, transport equipment and fleet-related assets.
Technology Assets
Business technology, IT infrastructure, servers, specialist hardware and other eligible technology assets.
Agricultural Assets
Farm machinery, irrigation systems, agricultural equipment and other assets used in commercial farming.
Specialist Business Assets
Eligible medical, engineering, construction and professional assets used in business operations.
Support your business without overlooking cash flow
Manage Capital Requirements
Financing may reduce the need to pay the full asset purchase price upfront, helping preserve funds for other business needs.
Acquire Productive Assets
Obtain assets that may improve efficiency, increase capacity or strengthen service delivery.
Plan Business Investments
Consider a financing structure with costs and repayment obligations explained before you commit.
Support Expansion
Explore asset purchases that help your business enter new markets, increase output or serve additional customers.
Who can apply?
Asset finance is intended for registered businesses seeking funding for assets used in legitimate commercial operations.
- Registered business or eligible commercial entity
- Clear description of the asset being acquired
- Intended financing amount and business purpose
- Business contact and registration information
- Supporting quotations or asset details when requested
Our assessment process
- Submit an enquiry: Tell us about your business and the asset you intend to finance.
- Initial review: We review your requested amount and financing purpose.
- Asset assessment: Additional details, quotations or valuations may be requested.
- Financing proposal: If suitable, applicable terms, fees and conditions are presented.
- Final approval: Funding remains subject to verification, approval and the required agreements.
Know what to expect
Asset financing starts from $4,999, subject to eligibility and assessment. Advertised interest rates start at 5.2%. The applicable rate depends on the financing arrangement, assessment and relevant conditions.
A due diligence and underwriting fee may apply. The amount varies according to the financing terms and region. Any applicable fee and other charges will be disclosed before you commit. Depending on the agreed conditions, the fee may be payable after conditional approval or before disbursement, and may be deducted from the financing proceeds.
Collateral may be required depending on the transaction. Late payment fees may apply. There are no early repayment penalties under the stated programme terms. Approval is not guaranteed, and all applications remain subject to assessment and applicable legal requirements.
Asset finance FAQs
What is asset finance?
Asset finance is a funding arrangement that helps businesses acquire eligible assets for commercial use, subject to assessment and agreed conditions.
Can I finance used business assets?
Used assets may be considered depending on their condition, age, value, ownership and intended use. Additional supporting information may be required.
Can I finance more than one asset?
Businesses with multiple asset requirements may submit a combined enquiry. Each proposed asset and the overall financing request will be assessed.
Will the financed asset be collateral?
The asset may be used as security depending on the financing structure. Any collateral requirements will be explained before you commit.
What documents might be required?
Documents may include business registration details, supplier quotations, asset specifications, financial information and other records relevant to the application.
How long does the review take?
Initial enquiries are generally reviewed within 1–3 business days. Further assessment may take longer depending on the complexity of the request and the documents required.
Finance the assets that help your business move forward
Share your business and asset requirements with our team to begin an initial review.