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Emerald FinancialMortgage Broking

Asset & equipment finance

Fund the gear. Keep the cash.

Vehicles, machinery, tech and equipment financed fast - so your working capital stays working in the business.

How we help

Whether it's a ute, an excavator, a fit-out or a fleet, paying cash for depreciating assets ties up capital your business could use to grow. Asset finance matches the cost of equipment to the income it generates.

We arrange chattel mortgages, finance leases, rentals and novated leases across bank and specialist funders - including low-doc options that approve on the strength of the asset and your ABN history, often within 24-48 hours.

Fast, often same-week approvals

Low-doc approvals for established ABNs can be same-day for standard assets under replacement thresholds.

Structures with tax in mind

Chattel mortgage, lease or rental - each treats GST, depreciation and deductions differently. We align with your accountant.

New, used & private sale

Dealer, auction or private seller - including older and specialised assets many banks won't touch.

Balloon & seasonal structures

Balloon payments to lower monthly costs, or seasonal repayment profiles for agriculture and project-based businesses.

The process

From first call to settled, step by step

Quote in hours

Tell us the asset and your ABN details - we come back with indicative repayments the same day.

Approval

Low-doc where eligible, full-doc where it prices better. Most standard assets approve within 24-48 hours.

Settlement & delivery

We pay the supplier directly - dealer, auction house or private seller - so you can take delivery immediately.

Asset & equipment finance

Get an equipment finance quote today

Indicative repayments back to you within hours, approvals often within 48.

  • Takes about 60 seconds
  • No credit check, no obligation
  • A licensed broker reviews every enquiry personally
Step 1 of 4 - Loan purpose~60 seconds
Loan purpose

What's the loan for?

No credit check. Your details are only used to prepare your assessment - see our privacy policy.

Common questions

Asset Finance FAQs

With a chattel mortgage you own the asset from day one and claim depreciation and interest; with a lease the financier owns it and you deduct the payments. The better option depends on your GST registration, cash flow and tax position - we'll run it past your accountant.

Get an equipment finance quote today

Indicative repayments back to you within hours, approvals often within 48.