0.0 from 0 Reviews
What Is Asset Finance?
Asset finance is a funding solution that allows businesses to acquire the equipment, vehicles, and machinery they need without drawing down on working capital. Rather than paying for equipment outright, businesses can spread the cost over time through fixed monthly repayments, making it easier to manage cashflow while still accessing the tools required to operate and grow. At Mason Green Finance, we help professionals and small business owners access asset finance options from banks and lenders across Australia, matching each client with a structure that suits their specific business needs.
Who Can Benefit from Asset Finance?
Asset finance is relevant across a wide range of industries. Whether you are buying new equipment, upgrading existing equipment, or replacing ageing assets, the right finance structure can make a significant difference to your bottom line. Mason Green Finance works with clients across sectors including construction, hospitality, healthcare, transport, and professional services. Common assets financed include commercial vehicles, work vehicles such as trucks and trailers, specialised machinery like excavators, tractors, graders, cranes, and dozers, as well as office equipment, medical equipment, technology equipment, and hospitality equipment.
For businesses that rely on a fleet of vehicles, fleet finance arrangements can be structured to cover multiple assets under a single facility. Vendor finance and dealer finance options are also available in certain circumstances, giving businesses additional flexibility when purchasing through a supplier.
Finance Structures Available
One of the key advantages of working with Mason Green Finance is access to a broad range of finance structures. The right structure depends on factors such as your GST treatment, how you intend to use the asset, your preferred upgrade cycle, and whether you want to own the asset at the end of the term.
A chattel mortgage is one of the most common structures for business equipment funding. The business takes ownership of the asset from day one, while the lender holds a charge over it as collateral. This structure may offer tax benefits, including the ability to claim depreciation and GST upfront, depending on your circumstances. Your accountant can advise on the tax implications specific to your situation.
A finance lease allows a business to use an asset over an agreed term while the lender retains ownership. At the end of the lease, the business may have the option to purchase the asset, extend the lease, or return it. An operating lease is similar but is typically used where the business does not intend to own the asset at the end of the life of the lease, making it well suited to businesses that prefer to stay on an upgrade cycle and always have access to the latest equipment.
Hire purchase is another option, where the business makes regular repayments and takes full ownership of the asset once the final payment is made. A balloon payment can be incorporated into some structures to reduce the size of regular repayments over the loan term, with a larger lump sum due at the end.
For employees, a novated lease can be an effective way to finance a vehicle through a salary packaging arrangement, which may provide tax advantages. Mason Green Finance can help identify whether this structure is appropriate based on your employment and business circumstances.
Why Asset Finance Matters for Business Growth
Preserving working capital is one of the most important considerations for any business. Asset based lending allows businesses to preserve capital and direct cash reserves toward operations, staffing, and other priorities rather than tying funds up in equipment purchases. This is particularly valuable for small businesses and sole traders where cashflow can fluctuate.
The ability to access commercial equipment finance, construction equipment finance, commercial vehicle finance, and machinery purchase solutions through a single broker relationship simplifies the process considerably. Mason Green Finance works with a panel of banks and lenders across Australia, which means clients benefit from access to a wide range of loan amounts, interest rate options, and repayment structures rather than being limited to a single lender's products.
Equipment leasing arrangements can also support businesses that need to stay current with technology or machinery without committing to long-term ownership. By structuring finance to align with the useful life of an asset, businesses can plan their upgrade cycle with confidence and avoid being locked into outdated equipment.
Mason Green Finance takes a relationship-focused approach to asset finance, taking the time to understand each client's business before recommending a structure. Whether you are looking at business loans alongside your equipment needs, exploring commercial loans for a larger project, or simply need guidance on the right asset finance product, our team is here to help you make an informed decision that supports your long-term goals.
Step 1: Get in Touch
Reaching out is the first step toward securing the right finance solution.
Step 2: Initial Consultation
We discuss your goals, financial situation, and timeline to understand your needs.
Step 3: Fact Find and Assessment
We gather your financial information to assess you borrowing capacity and lending options.
Step 4: Research and Strategy
We research and compare lenders to create a strategy that aligns with your needs and goals.
Step 5: Loan Recommendation
We present clear recommendations so you can make confident, informed decisions.
Step 6: Application and Submission
We prepare and lodge your application and handle the paperwork while keeping you updated.
Step 7: Approval and Settlement
We guide you through to settlement and stay in touch to ensure your loan continues to meet your needs.s over time.
Mason Green Finance works with businesses across Australia to structure asset finance solutions that preserve capital and support growth. Speak with our team today to find out what options may be available to you.
Book AppointmentThe documents required will depend on your individual circumstances and the type of loan you are applying for, but there are some common items that most lenders will ask for. These typically include proof of identity such as a passport or driver's licence, recent payslips or tax returns, bank statements, details of any existing debts or liabilities, and information about the property you are purchasing or refinancing. If you are self-employed, you may also need to provide business financial statements, notices of assessment from the Australian Taxation Office, and details of your business structure. At Mason Green Finance, we will provide you with a clear checklist tailored to your situation so you know exactly what to prepare.
A mortgage broker acts as the link between you and a wide range of lenders, including banks, credit unions, and non-bank lenders. Rather than you approaching each lender individually, a broker does the legwork on your behalf. At Mason Green Finance, we assess your financial situation, help you understand your borrowing options, and present solutions that are suited to your circumstances. We handle the paperwork, liaise with lenders, and guide you through the entire process from your initial enquiry through to settlement. For busy professionals and small business owners, this can save a significant amount of time and reduce the confusion that often comes with applying for finance.
Yes, investment property lending is an area we regularly assist clients with. Many of our clients are professionals looking to build wealth through property, and understanding how to structure investment lending appropriately is an important part of that process. There are a range of loan structures and features that may be relevant to property investors, and lenders assess investment loan applications differently to owner-occupier loans. At Mason Green Finance, we take the time to understand your broader financial goals and help you explore the lending options that may be available to you. We always recommend working alongside a qualified accountant or financial adviser when making investment decisions, as lending is just one piece of the overall picture.
In most cases, our services come at no out-of-pocket cost to you as the borrower. Mason Green Finance is typically paid a commission by the lender once your loan settles. We are required by law to disclose any commissions or fees upfront, so you will always know exactly how we are remunerated before you proceed. In some circumstances, a fee may apply depending on the complexity of your situation, but this will always be discussed and agreed upon with you in advance. We believe in full transparency, and we will always explain how we are paid so you can make an informed decision about working with us.
Getting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial consultation. This first conversation is an opportunity for us to learn about your situation, what you are hoping to achieve, and how we may be able to help. There is no obligation involved in having an initial chat with us. From there, if you decide to proceed, we will guide you through the next steps, including what information we need and what the process will look like from start to finish. We work with clients across Australia and are happy to meet in person, over the phone, or via video call, whatever works best for you.
Absolutely. Self-employed individuals and small business owners often find that standard loan applications do not reflect their true financial position. Traditional payslips and employment contracts are not always part of the picture when you run your own business, and many lenders assess self-employed applicants differently. At Mason Green Finance, we have experience working with business owners who have varied income structures, including those who use company financials, tax returns, or alternative income verification methods. We understand the nuances of self-employed lending and can help you present your application in a way that accurately represents your financial circumstances to lenders.
Refinancing means replacing your existing loan with a new one, either with your current lender or a different one. People refinance for a variety of reasons, including accessing equity in their property, consolidating debts, changing their loan structure, or simply reviewing whether their current loan still suits their needs. At Mason Green Finance, we can review your existing loan and help you understand whether refinancing may be worth exploring based on your current circumstances. We do not provide financial advice, but we can walk you through the options available and help you ask the right questions. Any decision to refinance should be made carefully and with a full understanding of the costs and implications involved.
The timeline for a home loan can vary depending on a number of factors, including the lender you are applying with, the complexity of your financial situation, and how quickly documentation can be gathered and verified. In general, formal loan approval can take anywhere from a few days to several weeks. At Mason Green Finance, we work to keep the process moving efficiently by preparing your application thoroughly before submission and maintaining regular communication with lenders on your behalf. We will keep you informed at each stage so you are never left wondering where things stand. Having all your documents ready early is one of the most effective ways to avoid unnecessary delays.
When you go directly to a bank, you are only seeing what that one lender can offer you. Mason Green Finance has access to a broad panel of lenders, which means we can compare a range of products and structures to find one that suits your specific needs. Banks are focused on selling their own products, whereas our focus is on understanding your situation and matching you with a lender that aligns with your goals. We also provide ongoing support throughout the loan process, something that can be difficult to access through a standard bank branch. For professionals and business owners with more complex financial situations, this independent perspective can make a real difference.
Mason Green Finance assists clients across a wide range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and commercial property finance. We also assist with asset finance, equipment finance, and business lending for eligible clients. Whether you are purchasing your first property, growing a property portfolio, or looking to fund business assets, we can explore the options available to you. Our goal is to understand what you are trying to achieve and then work with you to identify a finance structure that supports that outcome. We work with professionals and business owners across a variety of industries and financial situations.
