Put the assets your business already owns to work — funding new equipment, consolidating debt or freeing up capital for your next stage of growth.
Asset Finance for Orange & Central West Businesses
Asset Loans For Businesses
Asset finance uses the equipment, vehicles or plant your business owns or is buying as the security for the facility. Because the lender has that security, the terms available are often more competitive than an equivalent unsecured facility, and the asset itself continues earning while you pay it down. It is a practical way to purchase more equipment, consolidate existing commitments into something more manageable, or release capital for expansion without disrupting your day-to-day cash flow. We will work through your asset position with you and put forward structures that suit how your business actually runs.
How businesses use asset finance
- Funding additional equipment without draining working capital
- Releasing capital held up in machinery you already own
- Consolidating several equipment commitments into one facility
- Financing a fleet rather than individual vehicles
- Bridging the gap between a large purchase and incoming revenue
- Restructuring existing finance onto terms that suit your cash flow
Getting the structure right
The right structure depends on what the asset is, how long it will earn for you, and how your business is set up. A facility that suits a five-year machine is rarely the right fit for a vehicle you will replace in two.
We will explain the practical differences between the options in plain terms — what your repayments look like, what happens at the end of the term, and what you own along the way.
Tax treatment varies with structure and with your circumstances. We are finance brokers, not accountants, so we will always recommend confirming the tax position with your accountant before you commit.
Frequently asked questions
What can be used as security?
Typically business equipment, machinery, commercial vehicles and plant. What a lender will accept depends on the asset type, its age and condition, and how readily it could be resold. We will tell you early whether the assets you have in mind are likely to qualify.
Can I refinance equipment I already own?
In many cases yes. Refinancing equipment you own outright can release capital back into the business. The amount available depends on the asset’s current value and the lender’s view of it, so a valuation is often part of the process.
What is the difference between asset finance and equipment finance?
The terms overlap considerably and are often used interchangeably. In practice, equipment finance usually refers to funding a specific item you are buying, while asset finance more broadly covers using assets as security — including ones you already own. We will focus on what actually suits your situation rather than the label.
Will this affect my ability to borrow for other things?
Any commitment forms part of your overall position, so it can affect future borrowing capacity. That is one reason it is worth mapping out your plans with us upfront, so the structure we arrange now does not get in the way of what you want to do next.
Speak to a local broker
If your business is asset-rich but tight on working capital, it is worth a conversation. We will look at what you have and what it could unlock.
Call our Orange office on (02) 6305 6288, James Dean on 0418 635 801 or Ryan Hutton on 0410 156 220.
Related reading: Understanding business assets · Equipment & asset finance for growing Central West businesses · Why businesses use finance
This page is general information only and does not take your objectives, financial situation or needs into account. All applications are subject to lender assessment and approval criteria. Dean Hutton Finance Pty Ltd (ABN 38 665 056 128) trading as Dean & Hutton Finance is an authorised credit representative (ACR #546556) of Fintelligence Pty Ltd (Australian Credit Licence #511803).