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AssetChain Finance Pty Ltd

Australian asset & equipment finance

Finance Your Next Asset With Confidence

From vehicles and equipment to business assets, AssetChain Finance helps you find the right finance solution with less hassle.

Get a Finance QuoteSpeak to a Finance Specialist
20+
Lenders on our panelBanks and non-bank funders
1–7 yrs
Typical loan termsMatched to the asset's working life
24 hrs
Target first responseOn enquiries received in business hours
$5k–$5m
Finance amountsFrom a single tool to a full fleet
What We Finance

Funding for the assets your business runs on

New, used or private sale — for established businesses and newer operators alike.

View all categories
VehiclesEarthmovingSpecialtyBusinessRefinancing
Repayment Calculator

What would it cost
each month

Put in the price, the deposit and the term, and see an illustrative repayment before you talk to anyone.

  • See how a deposit or balloon moves the repayment
  • Weekly, fortnightly or monthly, over one to seven years
  • No details needed, and no credit check

Asset Finance Calculator

Estimate your repayments before applying for finance.

Asset type
Repayment frequency

Illustrative monthly repayment

$1,580

Amount financed
$90,000
Balloon at end
$18,000
Total scheduled repayments
$94,794
Estimated interest
$22,794
Get a tailored quoteFull calculator

An estimate only, not a quote or an offer of credit. Excludes fees and charges; actual repayments depend on the lender and your circumstances.

Who We Help

One lender panel, every kind of operator

Where you are in the cycle changes which lenders will say yes, and how the deal should be structured.

20+
Lenders
A white dual-cab ute parked on a gravel lookout at sunset
ABN holders

Sole traders & owner-operators

One ute, one excavator, one van. Getting the first or second asset financed without a long trading history behind you.

Talk to a broker
01
A dark seven-seat SUV parked on a gravel lookout at sunset
Plant & machinery

Growing trade & civil businesses

Taking on bigger contracts means bigger plant. Structuring finance so the asset pays for itself as it works.

Talk to a broker
02
A white sedan parked on a waterfront with a city skyline behind
Fleet refinancing

Established operators & fleets

Multiple assets, multiple facilities. Consolidating, refinancing and keeping the whole structure working together.

Talk to a broker
03
A prime mover parked head-on in a depot yard
Prime movers

Transport & logistics operators

Trucks, trailers and prime movers that have to keep earning. Terms matched to contract length rather than a generic schedule.

Talk to a broker
04
A forklift carrying a loaded pallet down a warehouse aisle
Forklifts

Workshops, warehousing & light industry

Forklifts, racking, workshop plant and fit-outs. The unglamorous equipment that quietly sets how much work you can take on.

Talk to a broker
05
Why AssetChain

A specialist finance partner,
not a product shopfront

We sit on your side of the table — understanding how your business actually trades, then matching it to lenders whose criteria genuinely fit.

  • A tracked excavator cutting an earth bank on a civil construction site
    01

    Flexible Solutions

    Terms, deposits and balloon payments structured around your cash flow — not a one-size-fits-all product.

    Terms
    Matched to the asset
    Structure
    Deposit and balloon
  • A white B-double prime mover on a country highway under a blue sky
    02

    Lender Choice

    We work with a broad panel of lenders, so your application is matched to the one most likely to say yes.

    Panel
    Banks and non-bank funders
    Approach
    Criteria-led matching
  • A tradesperson working at a bench in a bright fabrication workshop
    03

    Simple Process

    One enquiry, minimal paperwork, and clear updates. We handle the back-and-forth with lenders.

    Paperwork
    Kept to a minimum
    Updates
    Direct from your specialist
  • A finance specialist and a business owner talking across a desk
    04

    Personalised Service

    A specialist who learns your business and stays with you from first enquiry through to settlement.

    Contact
    One named specialist
    Scope
    Enquiry through to settlement
Talk to a specialist
How it comes together

Three stages, one point of contact

The same person from the first enquiry through to settlement.

See the full process
How It Works

Four steps from enquiry to keys in hand

Simple. Fast. Flexible. We handle the lender legwork so you can keep running your business.

  • 01

    Apply

    Tell us about the asset and your business. A short enquiry is enough to get started — no lengthy forms.

  • 02

    Assess

    We review your position and match it against our lender panel to find the structures that genuinely fit.

  • 03

    Finance Approved

    We present your options clearly — rate, term, deposit and repayments — and arrange approval with the lender.

  • 04

    Asset Purchased

    Settlement is coordinated with the seller so you can collect your asset and get back to work.

Finance Solutions

Structures built around
how you trade

Four core solutions, each shaped to the way the funding will actually be used.

Explore solutions
A white B-double prime mover on a country highway under a blue sky
Featured solution

Asset Finance

Fund vehicles, trailers and income-producing assets with terms structured around how the asset is used.

Explore
The Difference

Going direct, or
going through a broker

The same application can land very differently depending on how many lenders ever see it.

Straight to one lender

  • One credit policy, and one view of your application
  • A decline usually arrives without a reason you can act on
  • Each separate application leaves its own credit enquiry
  • You chase the paperwork and the follow-ups yourself
  • The structure on offer is the product that lender sells

Through AssetChain

  • A panel of banks and non-bank funders, compared side by side
  • We work out which lenders fit before anything is submitted
  • One shortlisted application rather than a scattered trail
  • We handle the lender back-and-forth and keep you updated
  • Terms, deposit and balloon shaped around how the asset earns

Your Asset. Your Business. Our Finance Solution.

Get a Finance QuoteMore about AssetChain
Client Feedback

What working with us
sounds like

The kind of thing clients mention once the asset is on the ground.

  • A tracked excavator cutting an earth bank on a civil construction site
    Civil contracting businessVictoria
    We needed a second excavator on site inside a fortnight. AssetChain had the structure sorted and settled before the job started.
  • A prime mover parked head-on in a depot yard
    Transport operatorNew South Wales
    Three facilities across two lenders, all with different end dates. They consolidated it into one repayment and the admin headache went away.
  • A site worker in high-visibility clothing beside a tracked excavator
    Earthmoving contractorQueensland
    Straight answers about what we could and could not borrow, before we wasted time on applications. That alone was worth the call.
  • A forklift, excavator and flatbed truck parked together in a yard
    Agricultural contractorSouth Australia
    They structured the balloon around our seasonal cash flow rather than the other way round. Repayments actually match when the money comes in.
Start your enquiry
Insights

Finance, explained plainly

How the structures actually work, what lenders are looking at, and where the costs hide.

All guides
Questions

Common questions,
answered plainly

If yours is not here, call us — it is usually a two-minute conversation.

What can I finance through AssetChain?
Commercial and passenger vehicles, trucks and trailers, construction and earthmoving equipment, plant and machinery, and business assets more broadly. If an asset helps your business earn, there is usually a way to fund it — ask us if yours is not listed.
Do I need an ABN to apply?
Not always. Many asset finance products are designed for ABN holders, and some lenders have minimum trading periods. We also work with lenders who fund consumer purchases. Tell us your situation and we will tell you which path applies.
Can I finance a private sale or an auction purchase?
Yes. Several lenders on our panel fund private and auction purchases as well as dealership stock. The inspection and settlement process differs slightly, and we will walk you through it before you bid or commit.
Will enquiring affect my credit score?
No. Submitting an enquiry does not involve a credit check. We only submit a formal application — which does involve a credit assessment — once you have seen your options and asked us to proceed.
How long does approval take?
It depends on the lender, the asset and how complete your documentation is. Straightforward applications can be approved quickly; more complex structures take longer. We will give you a realistic timeframe up front rather than an optimistic one.
Can I refinance equipment I already own?
Often, yes. If you own an asset outright or have equity in it, refinancing can release capital for your next purchase. The amount available depends on the asset's age, type and current value.
What does it cost to use AssetChain?
We will set out any fees that apply to your specific application in writing before you proceed, along with the rate, term and repayments. You will not encounter a charge you have not already seen.

Ready to finance your next asset?

Send through a few details and a finance specialist will come back to you within one business day with the options that fit.

Get a Finance Quote(02) 8750 9780