Top Asset Finance Brokers for Businesses

The right equipment can drive your business forward, but finding the right finance is just as important. At Inovayt, we tailor asset finance solutions to support your goals, helping you secure the tools you need to grow with confidence.

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Discover how our commercial asset finance brokers can help you.

Explore the diverse financing solutions our commercial asset finance brokers offer to propel your business forward. Specialising in a range of loan options, our team is adept at finding the right assets and equipment finance that aligns with your business’s unique needs and objectives.

Chattel mortgage

With a chattel mortgage, the asset being purchased is the collateral for a loan. Unlike a mortgage on real property, a chattel mortgage is for movable property, such as a vehicle or factory machinery. With a chattel mortgage, the lender can take the asset and liquidate it if the borrower is not able to make repayments.

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Hire purchase

Under a hire purchase, a business leases an asset from a provider who purchases the asset and agrees to lease it to the business. Throughout the life of the lease, the provider owns the asset and is responsible for repairs, maintenance and insurance. The business makes ongoing payments to the asset provider during the lease period for the use of the asset. The business takes ownership of the asset at the end of the lease period.

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What our clients say

    
 
 
      Posted on Google  
   
   Ej 100 
 September 6, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Buying a home can be overwhelming and takes so much preparation, but Peter went above and beyond for us every step of the way. From our very first consultation to securing the loan, his expertise and responsiveness gave us total peace of mind and made the whole process seamless. I’m deeply grateful to Peter, and thanks to Nicole for her kindness and steadfast support right through to the end.
  
 
     Posted on Google  
   
   Michael Druery 
 August 28, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from Kaleb, Erin and Isabella. Ensured that everything was ready and settlement went smoothly.
  
 
     Posted on Google  
   
   Kian Belk 
 August 28, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Duane and the team at Inovayt. They made the whole process of buying our first home so much easier and were always available to answer questions, explain everything clearly, and keep us updated throughout the process. Their communication was excellent and made the whole process feel easy, even answering the phone outside of office hours and on weekends. They went above and beyond to make sure everything came together, especially when things seemed stressful for us. We always felt like they had our best interests in mind and were doing everything they could to get us the best outcome. Really appreciate all the help and support throughout the entire process. We couldn’t be happier and would definitely recommend them to anyone looking for a mortgage broker!
  
 
     Posted on Google  
   
   Jason Henwood 
 August 28, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jason and the team at innovate were extremely helpful and kept us up to date throughout the whole process while purchasing our new home. Extremely happy with the service and will be using innovative again in the future.
  
 
     Posted on Google  
   
   suresh inturi 
 August 27, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Working with Kaleb, Erin and Isabella, and the entire team has been an absolutely wonderful experience from start to finish. Thank you all so much for your exceptional guidance, deep dedication, and for making us feel completely supported throughout this entire process. A special thank you goes to Kaleb for leading this effort so brilliantly and to Erin and Isabella for their incredible support and for always keeping everything so beautifully organised. Your prompt communication, warm professionalism, and deep market expertise truly made everything feel seamless and stress-free. We are incredibly grateful for the personalized attention and strategic advice you provided to secure the best possible outcome, and we absolutely look forward to working with your outstanding team again in few weeks 😀 Thank you so much 😀
  
 
     Posted on Google  
   
   Ann Humphrey 
 August 27, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional mortgage brokerage! The communication throughout the entire process was excellent, and they were always proactive with problem-solving to achieve the results we wanted. This is the second time we’ve used this brokerage, and once again they delivered above and beyond our expectations. We wouldn’t hesitate to use them again and highly recommend their services. A very happy repeat customer!
  
 
     Posted on Google  
   
   Kazi Haque 
 August 24, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Thank you Kaleb. Had a great experience with your advice and service.
  
 
     Posted on Google  
   
   Simon Zorgdrager 
 August 21, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very good communications. - keep you informed all the way.
  
 
 
  
 
 
   Google rating score: 5.0 of 5, based on 1485 reviews

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Low doc loan

A low doc, or self-declaration loan is, for all intents and purposes, functionally the same as a standard doc commercial product. The only difference is the criteria businesses are required to meet to qualify for a low-doc loan.
The criteria typically revolves around the length of ABN and GST registration as well as property ownership. These loans allow lenders to fast-track applications for strong, established businesses.

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Sale & Buyback

This type of equipment finance is where a loan is raised (by way of lease, chattel mortgage, or hire purchase) against an asset that is owned outright and free from any encumbrance. This frees up cash to the business in the short term, and allows continued use of the asset, as not to hinder the business.

Why Choose Inovayt for Your Asset Finance Needs?

Expert Asset Finance Providers: As seasoned asset finance providers, we understand the importance of acquiring the right assets for your business’s growth and efficiency. We offer expert guidance to ensure you make informed financial decisions.
Tailored Commercial Asset Finance: Our commercial asset finance solutions are customised to fit your unique business requirements. Whether you’re a small start-up or a large corporation, our financial products are designed to align with your specific needs.
Fast Asset Finance Solutions: We recognise that time is crucial in business. Our fast asset finance options ensure that you get timely access to funding, enabling quick acquisition of essential business assets.
Diverse Range of Asset Finance Options: From heavy machinery to office equipment, our wide range of asset finance solutions covers various types of assets, providing the flexibility your business needs to thrive.
Experienced Asset Finance Broker: Our team of asset finance broker possesses the expertise to navigate complex financing scenarios, ensuring you get the best deals and terms in the market.
Business Asset Finance Made Easy: We simplify the process of asset financing for your business. From application to approval, our streamlined procedures make acquiring business assets a hassle-free experience.

Our Reliable Asset Finance Solutions

Partner with Inovayt, your trusted asset finance broker, and take advantage of our comprehensive asset finance solutions to drive your business forward. Whether you’re looking to expand, upgrade, or simply manage cash flow effectively, our tailored finance options are designed to meet your business goals. Connect with us today and propel your business to new heights with Inovayt’s asset finance expertise.

Explore Our Range of Services at Inovayt

Inovayt offers a comprehensive suite of financial services, ensuring that whether you’re an individual or a business, you have access to expert advice and tailored financial solutions.

Business Mortgage Brokers: Our team of business mortgage brokers specialises in securing commercial property loans. Whether you’re looking to purchase, refinance, or develop, we provide customised mortgage solutions that align with your business strategy and financial goals.
Vehicle and Equipment Financing: We understand the importance of having the right tools and vehicles for your business operations. Our vehicle and equipment financing options are designed to help you acquire necessary assets efficiently, with flexible terms and competitive rates.
Home Loan Broker Services: As experienced home loan brokers, we guide you through the complex process of buying or refinancing a home. Our personalised approach ensures that you find the right mortgage product that fits your individual needs and financial situation.
Finance Investment Advisor: Our finance investment advisors are dedicated to helping you grow and manage your wealth. From investment strategies to retirement planning, we offer comprehensive advice to maximise your financial potential and secure your future.

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The tools, equipment and machinery your business uses are some of its most important assets. This can be anything from a tradie’s tools, office computers, work vehicles and equipment, or even specialised machinery. A business’s operation and profitability can often depend on the performance of its equipment, so if the opportunity is there, purchasing new equipment can increase both efficiency and profitability.

Trade financing is a way for businesses to borrow money against their own purchase orders. The lender will pay for the purchase, and the business will have 120 days to pay the lender back. The facility allows businesses to set payment terms that are favourable to them (when there aren’t any terms that are available). It also allows businesses to order larger amounts of stock/inventory, which helps achieve cheaper prices on their cost price, in turn increasing the margins on their products.

Debtor financing (also known as invoice financing) is a way for businesses to borrow money against the amounts due from customers. This advance can be used to improve cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than they could if they had to wait until their customers paid their balances in full. Growing businesses with extended cash cycles and directors that want to keep business and personal matters separate can benefit most from this type of business finance. Instead of having to wait for your customers to pay, you can release the capital tied up in your sales invoices and reinvest in your business without using funding that is secured against your personal property to help manage your business.

This refinancing option allows you to refinance the balloon payment at the end of your equipment loan to smaller payments rather than paying a lump sum. Our team works with you to find the best solution for your business.

Helpful resources

Asset & Equipment Calculator

Our asset and equipment calculator can help you understand your financing requirements so you can purchase your new business asset sooner.

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Asset Finance Brokers – FAQs

What are the benefits of commercial asset finance?

Asset financing allows you to secure access the equipment, machinery, vehicles, and other assets you may need without the sizeable cost of purchasing the asset upfront. You can maintain liquidity and invest the funds in other areas of your business that will help the company to grow faster.

Which commercial lenders do you work with?

We work with a large variety of lenders, we will find the best suited lender for your needs and match you with them to achieve desirable outcomes.

How long does finance approval take?

This depends on your situation, however we will start working with lenders as soon as possible, to ensure your business isn’t hindered when you require new assets.