Asset finance for South West Sydney businesses

Need a ute, truck or new equipment? We'll help Bankstown & South West Sydney businesses arrange asset finance that protects cash flow.

Need the gear to get the job done? Let's finance it the smart way.

The right vehicle or piece of equipment can transform what your business is able to take on. Paying cash for it can drain the funds you need to keep things running.


At Infinity Mortgage Brokers, we help tradies, transport operators and business owners across Bankstown and South West Sydney arrange asset finance that spreads the cost and keeps cash in the business.

What is asset finance?

Asset finance is a loan secured by the thing you're buying, so you usually don't need to offer property as security. It can cover:

  • Utes, vans, trucks and trailers
  • Earthmoving and construction equipment
  • Forklifts and warehouse equipment
  • Medical, dental and office equipment
  • Commercial kitchens and fit-outs

We'll help you choose between structures like a chattel mortgage, finance lease or rental, and match the loan term to the working life of the asset.

Why does the structure matter?

Each structure treats ownership, GST and depreciation differently, so the right choice depends on how your business is set up. That's a conversation to have with your accountant, and we're happy to be part of it.


The lender matters too. Some are keen on new vehicles, others specialise in used or specialised equipment. The right match means a faster yes.

How Infinity Mortgage Brokers can help

We know South West Sydney runs on small business, from workshops in Kingsgrove to depots in Moorebank. Here's what you get with us:

  • Options compared across a wide lender panel
  • Low-doc and full-doc pathways explained
  • Approval in place before you buy or bid
  • Help with private sales and used equipment
  • A broker who works with your accountant

Tell us what you need and when you need it, and we'll do the rest.

Got your eye on new equipment?

Let's chat! Schedule a free introductory call with us now.

  • What is asset finance and what can South West Sydney businesses use it for?

    Asset finance is borrowing secured by the vehicle or equipment you are buying, not by property. South West Sydney businesses use it to keep cash and existing credit lines free for running the business. It typically covers:

    • Utes, vans, trucks, trailers and other commercial vehicles

    • Excavators, loaders and construction plant

    • Forklifts, racking and warehouse equipment

    • Manufacturing and processing machinery

    • Medical, dental and veterinary equipment

    • Commercial kitchens and hospitality fitouts

    • Computers, printers and office technology


    Who uses it locally


    Tradies, transport and logistics operators, manufacturers, medical practices and hospitality businesses all use it, from the industrial estates of Chipping Norton to the shopfronts of Campsie.


    Set the term to the asset


    Terms generally run from two to seven years. Match the term to the working life of the asset. If equipment will last five years, a seven year loan leaves you repaying something you have already replaced.


    Getting the right product


    Infinity Mortgage Brokers compares asset finance for local businesses. Where the funds are for stock or wages instead of an asset, a business loan is the right comparison. Trade businesses can also read our guide to home loans for tradies.

  • Chattel mortgage, finance lease or rental: which asset finance option suits my business?

    The right asset finance option depends on who you want to own the asset. A chattel mortgage suits businesses that want ownership, a finance lease leaves ownership with the financier, and rental suits equipment you update regularly.


    Chattel mortgage


    Ownership passes to you at purchase, and the financier registers a security interest. The asset goes on your balance sheet and you claim depreciation and interest. If you are GST registered, you can generally claim the GST on the purchase price in your next activity statement.


    Finance lease


    The financier owns the asset and you pay to use it. Lease payments are generally deductible, GST is charged on each payment, and a residual value is payable at the end of the term.


    Rental or operating lease


    You hire the equipment with no intention of owning it, and payments are an operating expense. It is popular for technology that dates quickly.


    Choosing


    Your GST registration, accounting method and how long you will keep the asset decide it, so involve your accountant. Infinity Mortgage Brokers is glad to talk with them directly. Each structure also affects how a lender assesses South West Sydney business owners for a self employed home loan.

  • Can asset finance cover second hand equipment or a private sale?

    Yes, asset finance can cover second hand equipment and private sales, on slightly tighter terms. For used assets, lenders care most about how old the asset will be when the loan finishes.


    Used vehicles and equipment


    The older the asset, the shorter the term and the higher the rate. Past a certain age, some financiers will not lend at all.


    Buying privately


    A private sale can be financed, with extra checks. The financier searches the Personal Property Securities Register to confirm nobody else holds security over the asset. It also asks for proof that the seller owns it and may want an inspection or valuation. The funds are paid straight to the seller.


    Buying at auction


    Auctions are a common source of plant and machinery, and financiers accept them. Have your approval in place before you bid, because payment is due within days.


    Unusual assets


    Imported, heavily modified or highly specialised equipment needs a financier that actively funds that category. Choosing the right one first time avoids a series of declines on your credit file.


    Help choosing a financier


    Infinity Mortgage Brokers matches the asset to the financier for businesses around Bankstown, Villawood and Riverwood. Book a free chat before you bid or sign.

  • Are full financials required for equipment and asset finance?

    Full financials are frequently not required for equipment and asset finance. It has some of the most flexible paperwork rules in business lending.


    Low documentation


    Established businesses can often be approved on the strength of an ABN held for a minimum period, GST registration and a clean credit history. Applicants who own property can usually access larger limits with very little financial information. The thinking is similar to our guide to low doc home loans.


    Full documentation


    Tax returns and financial statements earn a lower rate and a higher limit. For a major purchase, the extra effort is worth it.


    Newer businesses


    Start ups can be financed too. Expect to give a director's guarantee, contribute a deposit and pay a rate that reflects the short trading record.


    The five things that decide it


    Five details matter most: how long you have held your ABN, your GST registration, your credit history, whether you own property, and the asset itself.


    A quick answer


    With those five details, Infinity Mortgage Brokers can tell South West Sydney business owners quickly which lenders are likely to say yes. Sole traders, including many local tradies, are assessed a little differently again.