Get you Asset Finance
Secure flexible and fast asset finance for vehicles, equipment, and technology. Cash Capital offers tailored loan solutions to boost your business's cash flow.
Asset finance is a type of finance used by businesses to obtain the equipment they need to grow. It usually involves paying a regular charge for use of the asset over an agreed period of time, thus avoiding the full cost of buying outright. Asset finance can be used to obtain most types of assets, including vehicles, plant and machinery, commercial equipment, technology and more.
Understanding common asset finance options
Asset finance is primarily tailored towards self-employed clients, small business owners, and contractors. In saying that, it’s still possible to get personal asset finance, and one of the most popular options is for buying cars.Compared to traditional forms of finance, the benefits of asset finance can include avoiding depreciation, freeing up capital, improving cash flow and reducing upfront costs.
Commercial hire purchase
Obtain the business equipment or car you need through a hire purchase loan, where you pay hire charges over a fixed period. As soon as all your hire purchase payments are complete, ownership of the asset is transferred to you.
Chattel mortgage
Commonly used by business owners and operators for car and equipment finance. With a chattel mortgage, the asset is owned by you from the outset and the loan agreement is secured by the asset.
Finance lease
Finance leases are flexible leases for businesses wanting the option to buy at the end of the lease or hand back the asset.
Novated lease
A novated lease is one of the easiest and most cost-effective ways to buy and own a car. This way, the financier owns the asset, while you and your employer sign a novation agreement to share the responsibilities of the loan.
Other things to consider : Baloon Payments
What?
You choose to pay a larger sum of the loan value at the end of the loan term. The sum you pay is usually based on a fixed percentage of the total loan value.
Why?
Reduce your repayments when you first start paying off the loan.Consider how this will affect the amount of interest you pay over the life of the loan and the total amount that is left to pay at the end of your monthly repayment term. The remaining sum will need to be paid in full in one lump sum.
How do I know if this is right for me?
We can help you understand whether this approach suits your needs and run through the considerations and benefits in more detail. Get in touch.
The loan process.
Say Hello
Contact us and tell us more about your plans and your goals.
It all starts with taking about one minute to answer a few simple questions. When you’re done, we’ll meet to talk about your goals, opportunities and next steps, in person or online.
The Shortlist
We’ll research our panel of banks and lenders to create a shortlist of asset finance solutions that suit you.
We’ll research our panel of banks and lenders to create a shortlist of asset finance solutions that suit you. We’ll then present these options to you, and you can choose the one that fits your needs.
Pre-approval
Once you’ve chosen a lender, we'll get you pre-approved.
Once you’ve chosen a lender, we’ll get you pre-approved. This means you can start shopping for your new asset with confidence, knowing exactly how much you can spend.
You go shopping
Time for you to decide on the equipment you need to run or expand your business.
Time for you to decide on the equipment you need to run or expand your business. Once you’ve found the right asset, we’ll help you with the paperwork and get you the funds you need.
Secure the finance
We’ll complete all of the paper to work to secure finance from your lender.
We’ll complete all of the paperwork to secure finance from your lender. We’ll keep you updated every step of the way, and let you know as soon as your loan is approved.
You're done!
The agreement is finalised, the asset purchased and you can begin to enjoy using it, without a large lump sum outlay.
The agreement is finalised, the asset purchased and you can begin to enjoy using it, without a large lump sum outlay. We’ll be here to help you with any questions you have, and to provide ongoing support and advice for your next investment or business.
Long term support
Our engagement doesn’t end at settlement. We’ll be here to help you .
Our engagement doesn’t end at settlement. We’ll be here to help you with any questions you have, and to provide ongoing support and advice for your next investment or business.
Ready to talk through your options?
Cash Capital can help you compare suitable lending options and move through the next step with clear guidance.
Request adviceRequest mortgage advice
Send us your details and we will get back to you within one business day.
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Exceptional Service! Abbas provided outstanding support throughout the mortgage process. He was knowledgeable, professional, and patient, simplifying complex terms and finding the fit rates. Always responsive and quick to answer questions, Abbas ensured everything went smoothly. Highly recommend him as a reliable mortgage broker!
3 months ago
Highly recommend Priyank! From the start, he made us feel confident and supported through the home-buying process. He understood our needs, was always available for questions, and used his market expertise to help us find our perfect home with a great interest rate. His guidance made everything smooth and stress-free. Grateful for his help!
3 months ago
Abbas has been absolutely fantastic. I have known him since 2018, and the information he provides is transparent and informative, which allows me to make better decisions according to my circumstances. He is the best mortgage broker in Melbourne. Thank you for your help and support.
4 months ago
I have worked with both Abbas and Priyank. Most recently with Abbas. They both have delivered high levels of professionalism and customer satisfaction. Highly knowledgeable in the field and will work with you to ensure you get the best deal. I most defiantly recommend this service to anyone who’s looking for a trustworthy broker
6 months ago
Amazing and smooth experience with Priyank. Excellent knowledge about the market and really amazing outreach to get you in touch with the right people to get the job done. Really great communication, kept us in the loop through the entire process. Highly recommend him.
7 months ago
Abbas's expertise and dedication were evident from the start, as he guided me through the entire process with ease and professionalism. Attention to detail and proactive approach ensured a swift and smooth approval, far exceeding my expectations. I highly recommend Abbas to anyone seeking efficient and reliable assistance with their financial needs.
4 months ago
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