Asset Finance for Australian Businesses
Power your growth with the equipment you need - without upfront credit checks or hidden hurdles.
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Vetted lender network
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No obligation to proceed
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No upfront credit checks
Compare Your Asset Finance Options
Understand the differences between a Chattel Mortgage, Finance Lease, and Operating Lease – so you can choose the right structure to fund your next vehicle, equipment, or asset purchase.
| Feature | Chattel Mortgage | Finance Lease | Operating Lease |
|---|---|---|---|
| Ownership | Business owns the asset from day one | Financier owns during lease term | Financier owns during lease term |
| Asset Control | Business controls the asset | Financier controls the asset | Financier controls the asset |
| Balance Sheet Impact | Asset and loan appear on balance sheet | Asset and liability recorded | Treated as an operating expense (off balance sheet) |
| End of Term | Business retains ownership | Option to purchase asset | Asset returned to financier (some options to buy) |
| Tax Benefits | Interest and depreciation may be deductible | Lease payments may be deductible | Lease payments may be deductible |
| Best for | Ownership with financing using the asset as security | Long-term use with flexibility | Short-term or temporary use |
Ownership
Asset Control
Balance Sheet Impact
End of Term
Tax Benefits
Best for
Go beyond the basics
Explore real – world examples and discover how asset finance can help your business upgrade, expand, or stay ahead of the curve.
Chattel Mortgage
Own your assets from day one.
Chattel mortgages are perfect for businesses that want ownership and control from the outset. With the asset used as security, you can finance equipment without tying up property. Repayments are typically fixed, and you may be able to claim interest and depreciation at tax time.
We financed our new baking ovens upfront with a chattel mortgage – no delays, no rent-style agreements. Now we own the gear and can claim depreciation too.
Tania Robles
Owner, Bakery Café
Finance Lease
Use now, decide later.
A finance lease gives you access to equipment without needing to buy it immediately. You lease the asset for a fixed term with the option to purchase at the end. It’s a popular option for preserving capital while still gaining access to essential equipment.
Leasing let us bring in the dental imaging equipment we needed without the upfront hit. It gave us time to grow our patient base before committing to the full purchase.
Dr. Priya
Principal Dentist, Dental Clinic
Operating Lease
Stay flexible with short-term equipment needs.
An operating lease allows you to rent equipment for short-term or project-based use without adding it to your balance sheet. Once the lease ends, return the asset or negotiate a new one-ideal for fast-changing industries.
We took on a 12-month contract that needed high-end gear fast. An operating lease gave us exactly what we needed without a long-term commitment or upfront hit to the balance sheet.
Leon Martelli
Director, Engineering
Eligibility Requirements
To access a asset finance through Funding Loop, your business must meet these basic criteria.
Monthly revenue over A$10k
Provide proof of your monthly revenue with bank statements.
Trading for 12+ months
Your business must have been legally registered and actively trading for at least twelve months.
Be in our approved industry
We do not support businesses in restricted sectors like firearms, adult, drugs, etc.
Ready to Apply?
No hidden steps. No endless paperwork. Just fast, simple, and transparent financing.
1
Tell Us About Your Business & Asset
Share a few quick details about your business and the asset you’re looking to finance. We’ll securely collect your recent bank statements - it only takes 2 minutes.
2
We Match You with the Right Lender
Our team will review your application and match you with one or more asset finance lenders that fit your business profile. We may request ID and documents like a driver’s licence or asset quote from the supplier.
3
Get Approved & Funded
Once approved by the lender, funds are released to the supplier - depending on the lender’s process. You’re ready to get your equipment, vehicle, or machinery working for your business.
Frequently asked questions
What documents or business information do I need to apply?
To assess your application, we typically request your ABN, recent bank statements, and a summary of your business trading activity. Depending on the product or lender, additional documents may be required.
Can I apply if my business is new or has limited trading history?
Yes – some lenders offer options for newer businesses. In most cases, you’ll need at least 6 months of trading history, but we’ll review your situation and match you with the most suitable lenders.
Can I apply for more than one type of finance at the same time?
Yes — many businesses apply for multiple products depending on their needs. You can explore options such as equipment finance, term loans, and credit lines, and we’ll help you compare them side-by-side.
To begin, we’ll present you with indicative offers based on the information you provide. This allows you to compare your options upfront without any credit checks or impact on your credit score.
We typically don’t submit a formal application right away, as that would involve a credit enquiry. Our approach ensures you can review your options first before proceeding with any formal applications.
To begin, we’ll present you with indicative offers based on the information you provide. This allows you to compare your options upfront without any credit checks or impact on your credit score.
We typically don’t submit a formal application right away, as that would involve a credit enquiry. Our approach ensures you can review your options first before proceeding with any formal applications.
Who are your lending partners, and how do you choose them?
We work with a carefully selected panel of Australian and international lenders. Our partners are assessed based on their product range, approval speed, service quality, and competitive pricing to ensure we match you with trusted providers.
