Asset Finance Shop

Call Directions Website Contact the business

Asset Finance Shop Commercial asset finance, done right. Trucks, trailers, excavators & Vehilces. 80+ lenders. 93% approval rate. Reach out today.
(1)

Asset Finance Shop Providing amazing service for our customers! All trucks trailers excavators and business vehicles welcome call today to speak to a broker now!

17/10/2026

Buying at auction? Get your finance organised before you bid.

Once the hammer falls, you're usually locked in. Deposits are often due on the day and settlement can come around fast, so there's very little time to find out whether a lender is happy with the machine you've just bought.

Before bidding, I'd want answers to a few questions:
- How much can you borrow?
- What will the repayments be?
- Is the lender comfortable with the type and age of the machine?
- How much cash will you need to put in?

Once you know those, you've got a real limit. Auction days move quickly and it's easy to get caught up in the bidding. Having a set number makes it simple to stop when the price goes past what works for the business.
Remember to add the extras on top of the winning bid as well. Buyer's premium, GST, transport and any repairs can all add to what you actually pay.

Timing matters too. If you leave the finance until after the auction, you're counting on an approval landing before settlement is due. A missing document or a lender asking for a valuation can use up those days quickly.

With the finance sorted first, you walk in knowing your budget and what the repayments will be. When the right machine comes up at the right price, you can bid knowing the money's there.

"Thank you so much TAFS for being extremely professional throughout the process." Thanks for the kind words. We like our...
16/10/2026

"Thank you so much TAFS for being extremely professional throughout the process."

Thanks for the kind words. We like our clients to know exactly where their deal is at, from the first call to settlement.

16/10/2026

It's the king of truck finance back on your feed with another episode of the Trucksales Truck Buyers Guide. Last time, Colin got behind the wheel, this time he's taking it easy, sitting in the back.

This one's pretty different from the last few, since we're talking through a Thermal Mark Transport Refrigeration HiAce. This is a great example of sharing the different ways that finance can be used for Australian business owners

Here Colin talked about a 90 day approval, which is particularly useful when it comes to the fit out of a refrigerated van like this. When a fit out takes 2-3 weeks to be finished, the last thing you need is to be stressed about the finance coming through on time.

Making use of 90 day approval terms lets you shop like a cash buyer, which for many business owners, is worth its weight in gold.

Have a look at the latest guide here: https://ap1.hubs.ly/H01rFZP0

And if you havent by now, then you should definitely call me.

15/10/2026

Can you finance the tray and fit-out along with the ute? In a lot of cases, yes.

If you're buying a ute, truck or machine that needs a tray, canopy, toolboxes, shelving, a bullbar, crane or fridge unit before it can start working, those costs can often go into the same finance as the asset.

It's simplest when the dealer puts everything on one invoice. If a separate company is doing the fit-out, that can usually still work. The lender will probably want a separate invoice for that work and may have its own rules about when it gets paid.

Lenders are generally comfortable with gear that's fitted to the vehicle or machine and helps it do the job it's being bought for. Other business purchases are best handled separately.

Say you've budgeted $70,000 for the ute and another $15,000 for the tray, toolboxes and fit-out. That $15,000 may be able to go into the finance too, which leaves your cash free for running the business.

Send us the full cost before you buy and we'll show you how it can be set up.

$39,000 funded for a Melbourne events operator who needed more grunt behind the tow bar.Our client has spent the past tw...
15/10/2026

$39,000 funded for a Melbourne events operator who needed more grunt behind the tow bar.

Our client has spent the past two years building a multicultural markets and events business across Melbourne. On the side, a food trailer and a coffee trailer earn their keep through hire income, which means gear is constantly on the move between sites.

The old vehicle wasn't up to the towing. The 2017 Land Rover Discovery is, and it now handles everything from trailer runs to event-day logistics in one vehicle.

The finance case had plenty going for it: two years of trading, a good credit file, and the trailer income already flowing. A growing business with the paperwork to prove it.

14/10/2026

You can, and it's routine. The right machine often isn't in your state, and lenders settle interstate deals every week.

Get the details across to whoever's arranging the finance before you commit to anything. Interstate or not, the lender wants the same picture: what the asset is, what you're paying, how the business is trading. From a dealer that's about it. Invoice, ABN, settlement straight to the dealer's account, and nobody needs to be in the same postcode.

A private seller across a border means more to confirm. Who owns it, whether there's money owing on it, and whether it's actually sitting where the ad says. Depending on the asset there may be an inspection or a valuation too. That's a few extra days, and it's the part people try to skip, because by then they've already decided they want it.

Then there's getting it home. Driving it back, freighting it, or paying someone to collect it are three different numbers, and whether any of that can go into the loan depends on the lender. Ask early. Finding out at settlement that the float is coming out of your own pocket is an annoying way to start owning something.
Registration gets forgotten more than anything else on this list. Moving a vehicle between states means transfer rules that change depending on where it's coming from and where it's going, so sort that out before pickup, not after the truck has landed.

Distance itself is rarely what holds these up. It's the verification, and verification is just time.

13/10/2026

There's no age where a truck stops being financeable. What changes is the term, and that's what catches people out.

Most lenders care less about how old the truck is today than how old it'll be when the loan finishes. Say a lender won't hold an asset past 20 years. A 2016 truck gets the full five years. A 2009 truck gets three, because five would take it to 22.

Here's what that does. $80,000 over five years at 8% is about $1,622 a month. The same $80,000 over three years is about $2,507. The approval was never the issue. The repayment went up $885 because of the year on the compliance plate.

On an older truck they'll also look harder at kilometres, service history and whether the price you've agreed matches what it's actually worth. Make and model counts for more than people expect, because the lender is thinking about what it can sell the thing for if the loan goes bad.

None of that makes an old truck a bad buy. We fund plenty, usually for operators who know the model inside out and can get parts without waiting a fortnight.

The business behind it matters as much as the truck. Solid trading history and clean payment conduct will carry an older asset further than the asset will carry itself.

So a 10 or 15 year old truck that suits the job isn't off the table. Just find out what term you'll get before you fall in love with a repayment you worked out yourself.

Figures are illustrative and rounded. Actual repayments depend on the lender, fees, loan structure and final rate.

$45,000 funded for a civil and earthworks operator stepping up to a bigger truck.Our client has been self-employed for o...
13/10/2026

$45,000 funded for a civil and earthworks operator stepping up to a bigger truck.

Our client has been self-employed for over ten years, working across demolition, house slabs, council roads, dams and waterways. The next contract was bigger than the truck he had, so the upgrade needed to happen before the work started, not after.

The Mack Prime Mover gives him the hauling capacity the job calls for. And the finance side was about as clean as they come: a decade of trading history, spotless credit, and a contract already in hand. Deals like that don't sit on a desk for long.

Truck settled, contract ready, straight to work.

12/10/2026

Yes, dealer purchases are usually easier to fund. We do plenty of private sales too, so it isn't a barrier, just a different process.

A dealer hands the lender a tax invoice, a registered business with an ABN, clean title and a settlement process it has run a thousand times. There's not much left to query.

Private sales need more confirming. Proof the seller owns the asset outright, a PPSR check so you know there's no money owing against it, and depending on what you're buying, a valuation or an inspection. Usually a few extra days rather than a problem.

What decides the application is the same either way. How the business is trading, how the credit file reads, what the asset is, how much you're borrowing and which lender it goes to. Who's selling it affects the paperwork more than the answer.

Where it goes wrong is the order people do things in. Agree a price, pay a deposit, then find out the lender won't fund an asset that old from a private seller. Now you're either walking away from your deposit or arguing with someone who has already banked it.

So make the call before you commit to anything. It takes ten minutes.

11/10/2026

A fixed rate means the repayment doesn't move. You know in September what you're paying next August, and the rest of the year gets easier to plan around.

What you give up is room to move. Pay it out early or refinance it and, depending on the lender and the product, there can be a cost. On a five-year fixed loan a break cost in year two can be enough to kill a refinance that otherwise made sense.

Variable goes the other way. If rates fall you pay less. If they rise, you're finding out about it halfway through a quarter you'd already budgeted for.

Most people pick between the two based on where they think rates are heading, which is about the least reliable input available. Anyone telling you where the RBA goes next is guessing, me included.

The things that actually decide it are duller. How predictable your income is month to month. Whether you'll still own the asset in five years or trade out of it in two. Steady income and a full term, fixed is usually the simpler answer and you can stop thinking about it. Lumpy income or a likely early exit, and the payout terms matter more than the rate you start on.

Either way, get the early payout terms in writing before you sign. That's the clause people find out about at the worst possible moment.

Address

Unit 2, 17/21 Bowden Street
Sydney, NSW
2015

Opening Hours

Monday 8am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm

Telephone

+611300558758

Website

Alerts

Be the first to know and let us send you an email when Asset Finance Shop posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Asset Finance Shop:

Shortcuts

Share

Category