Asset Finance

Whether you’re a business start-up or an established firm, a decision to grow your asset base is often a daunting exercise.

At Perry Finance in Melbourne, our asset finance brokers aim to take the pain out of the process. With a wide variety of asset lending products on hand, we tailor solutions to optimise your cash flow. From securing big-ticket items to leveraging your current assets to fund growth, our industry expertise can pinpoint the most cost-effective methods to get you there

What is Asset Finance?

Asset finance includes a suite of business finance options used across multiple industries from sole traders to SMEs. Businesses can apply these strategies to generate more revenue and increase profits. Here’s some asset examples your business can choose to acquire on finance or leverage as current assets:

  • Equipment
  • Vehicles
  • Inventory
  • Machinery
  • Office space

Get In Touch Now

Why Choose Perry Finance for Asset Finance?

Perry Finance is more than your ordinary broker. 

Perry Finance are award-winning experts in residential and commercial loans, plus other funding solutions. We know that for a business to succeed, it’s not just about securing finance. It’s about identifying the most cost-effective product for your current and future growth needs. With 20 years of solid industry experience and accolades behind us, we offer expert advice each step of the way. Our extensive lending networks allow us to explore traditional and non-traditional models of borrowing to help secure the best deal for you.

Chat with the Perry Finance Team

Contact Perry Finance

The key to your success and financial freedom starts here.

Our Asset Finance Options

At Perry Finance, we can tailor asset finance services to suit your particular business model or short to long-term goals. Chattel mortgages or hire purchase solutions provide flexible terms for businesses seeking to own assets. Short or long-term lease agreements can lower overheads where ownership is not the priority. Asset refinancing allows businesses to optimise available cashflow.

The term “chattel” refers to assets, and the loan structure associated with it resembles that of a home loan or mortgage. The lender uses the equipment or vehicle purchased as security for the loan. It’s a popular asset vehicle finance option for new businesses:

The business gets ownership of the asset at the time of purchase while repayments can be claimed as a tax deduction. Repayment terms are flexible over a 2-5 year range and are generally lower than unsecured loans. A balloon payment or lump sum can be set for the end of the loan term to reduce monthly payments.

Get In Touch Now

In a hire purchase agreement, the lender buys and retains ownership of the asset for the term of the loan. Once the business makes all the payments, asset ownership transfers to the business. 

When opportunities arise to start or grow a business, hire purchase agreements deliver:

  • Quick set-up and flexible terms for equipment or vehicles.
  • Affordable monthly repayments.
  • Smaller monthly payments to ease cash flow stress with a balloon payment or lump sum at the end of the loan term.

Talk To Our Team

Equipment leases are a business strategy to reduce the cost of buying expensive commercial equipment or vehicles . The lender leases the asset to the business for a fixed monthly payment. The equipment lease can be customised to fit business requirements. A new business which doesn’t have the funds to own its equipment may use this strategy or an established firm planning to upgrade its hardware.

Phone Perry Finance

There are lease options based on different business accounting methods and tax implications. Leases are widely used in the construction, manufacturing and transport industries, as well as the healthcare and retail sectors. It costs less to lease equipment than to buy, so monthly payments are lower and provide more control over cash flow. 

Finance leases (also called capital leases) are long-term agreements:

  • The business chooses to rent rather than buy essential assets from a lender.
  • The business is responsible for maintenance and running costs over the lease term, much like an owner would be. 
  • At the end of the lease, the business may have the option to buy the asset for its residual value.

Get In Touch Now

An operating lease is usually a short-term lease agreement:

  • The lender owns the asset and keeps ownership at the end of the lease term. 
  • The set monthly payments for the lease include all operating costs for the asset. 
  • At the end of the lease term, the business returns the asset with no further cost.
  • Operating leases are cost-effective for assets that depreciate fast, such as IT equipment, or for short-term equipment use.

Chat with the Perry Finance Team

Asset refinancing, also known as asset finance loans, use existing business assets to access a line of credit. Even if the asset is still under a finance agreement, a business can borrow against the partially owned asset. This is a viable option for businesses to ease cash flow pressure when pursuing growth opportunities or debt consolidation.  

It’s possible to tailor asset refinance to most business assets.

Connect With Us 

Asset Finance FAQS

If you need access to fast short-term capital did you know that bridging finance could be an option?

Getting approval for loans the normal way can be a slow process and bridging finance can provide you with short-term relief until a longer-term solution is found.


There’s a well-known saying that goes along the lines of ‘you need money to make money’, and it’s never truer than when referring to businesses and the assets they need to operate.

It’s common for businesses to need large funds to spend on big-ticket items like vehicles, plant and machinery so they can operate and produce and sell goods and services that make them a profit.


As part of our recent look into the asset finance options businesses have in the current market, we can focus in on hire purchase today as one of the options for businesses to get access to the vehicles, plant and/or machinery they need to make their money.


Businesses who don’t have great cash flow to splash out on the expensive assets they need to run their operation can save money by renting them instead.


Commercial Loans

We work with you to source the most cost-effective commercial loans for investment, property purchase, small business or debt refinance.

Home Loans

Whether it’s a one-off purchase or residential portfolio, we can offer products and lending advice to maximise your long-term.

Construction Loans

We simplify the process of sourcing construction loans, from small residential developments to large scale commercial projects.