Asset Finance

Opening the Doors to Lending Possibilities

The right type of asset finance can save time and resources for your business. Grow your wealth, finance an asset procurement and let your business achieve is potential. Intellichoice can help your business needs

Asset finance loans make it possible for businesses to grow and expand. Start-ups and fully established companies require financial help from time to time. Intellichoice Finance understands your business. Whether it's a short-term loan financing or a big amount to push beyond your organization's horizons, we can find a business loan suited for you.

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Interested in getting a loan? Fast online quotes available here!

Intellichoice can help you acquire your
much needed equipment and assets

Intellichoice can help you acquire your much-needed equipment and assets through our leasing and loan options. Proudly the provider to choose for asset finance, we’ve got more than 20 years experience with our commercial finance management. Find out why businesses throughout Australia benefit from our unrivaled services.

Our solutions offer you the opportunity to:

  • Structure your payments to match your business operations
  • Avoid major upfront cash outlays, conserving your capital for other expense
  • Simplify administration of repayments by allowing all your assets to be combined into a single lease arrangement
  • Improve your balance sheet
  • Eliminate the risk and cost associated with obsolete equipment
  • Access new energy efficient and carbon reduction technologies
  • Access flexible end of term options
  • Combine various assets sourced from multiple vendors on the one agreement

All you need to do is to book an appointment and talk to an Intellichoice loan specialist today. Call or book an appointment with Intellichoice Finance today.

Asset finance is a type of lending that gives you access to business assets such as equipment, machinery, and vehicles or enables you to release cash from the value of assets you already own. It allows you to buy the equipment that you have to conduct your business.

These loans are tailored towards self-employed clients, small business owners and contractors who want the resources to help their business succeed but may not really have the capital to do it right now. Intellichoice Financial Services develops innovative and specialized asset finance solutions across a range of industries around Australia (globe).

Having the right equipment and assets are crucial for the growth of any business. We simplify our clients lives by helping them make smart financial decisions and flexible solutions for all your equipment needs Find out how we can work for you! Call us now!

Our solutions offer you the opportunity to

Structure your payments to match your business operations. Avoid major upfront cash outlays, conserving your capital for other expense. Simplify administration of repayments by allowing all your assets to be combined into a single lease arrangement.

Bad Credit Equipment Finance

Intellichoice specialises in the difficult-to-get loans and we’ve been successfully providing bad credit car loans to clients all over Australia. There are many reasons why people find themselves with a bad credit raing.

Frequently asked questions

How does an asset finance loan work?

An asset finance loan works the same as any secured loan, however, it is secured against capital you already have within your business. Some asset loans can be 100% financed, which gives you access to your money as you need. The asset that you’ve acquired can be given to you in one of two ways: you can either lease it for a set amount of time and pay a rental agreement for use of the asset or you can use the asset and make payments to eventually own it at the end of your lease agreement. The one you choose to run with is dependent on what works best for your business.

What Kind of Assets and Equipment can I Finance?

We help businesses across Australia with the best deals on commercial assets including commercial and retail fit-outs, heavy vehicles, machinery, IT equipment, and computers, boats, trailers, agricultural machinery and more. We can deliver financing that works for you.

What are the loan types available with asset finance?

1) Novated lease – This is a type of lease where you can include a vehicle in your salary package, the lender owns the asset and you and your employer sign an agreement to share the responsibilities for the loan.

2) Chattel mortgage – A Chattel mortgage is where you own the asset from the beginning and your loan agreement is secured by the asset you own.

3) Finance lease – This is a contract that allows you to rent a selected piece of equipment for an agreed time frame. You make rental payments to your lender and you bear the risk of disposal at the end of the lease.

4) Hire purchase – A hire purchase loan involves you hiring and using the asset until the last payment where the title of the asset transfers to you.

What are the Benefits of Equipment Finance?

You can arrange for up to 100% of financing, often without an upfront and sometimes with just a little down payment.

You’re ready to invest your capital expenditure and cash in different areas of your business.

The fixed repayment rates are inflation-proof and enable you to budget for the cost of fund.

You can take advantage of technology upgrades and maintenance included in your deal.

How do I Choose the Right Financing Solution?

Our experts will help you choose the facility that best suits your needs. We will work closely with you to understand the intended use of the machinery/ equipment. Regardless you need it for a single project, use of for daily operations will determine the kind of facility you should opt for. We will also help you carry out a cost-benefit analysis to help us figure out whether leasing or rental is the better option for you.

What are the Benefits of Equipment Finance?

You can arrange for up to 100% of financing, often without an upfront and sometimes with just a little down payment

You’re ready to invest your capital expenditure and cash in different areas of your business

The fixed repayment rates are inflation-proof and enable you to budget for the cost of fund.

You can take advantage of technology upgrades and maintenance included in your deal

How do I Choose the Right Financing Solution?

Our experts will help you choose the facility that best suits your needs. We will work closely with you to understand the intended use of the machinery/ equipment. Regardless you need it for a single project, use of for daily operations will determine the kind of facility you should opt for. We will also help you carry out a cost-benefit analysis to help us figure out whether leasing or rental is the better option for you.

What Is the Minimum Amount That Can Be Financed?

We can likely finance just about any amount. Call us for your options.

What is the Effective Interest Rate?

That relies upon the lender, the sum borrowed, your asset backing and whether your payment terms include an end of term payment, or whether the full amount is paid over the term of the loan.

What Happens If I Damage the Equipment or Vehicle?

You are responsible for all repairs and maintenance and must keep the equipment fully insured throughout the lease.

Why Are You Better Than Dealing Directly With a Lender?

When you deal directly with a bank or a single lender you have no way of comparing other financing alternatives unless you approach them one¬by-one. When you deal with us we prepare your documents and submit them to the most suitable lenders, at that point compare the results for you. In case of several competing options, we will furnish you with an explanation and will go through the differences with you and help you to choose the cheapest and most advantageous lender.

Would you be able to finance it? Better talk to us…

Please give us a call or drop us a line, because you never know unless you ask. Vehicle Finance can be the brilliant way to acquire the vehicle your business needs without dipping into valuable cash reserves.

About Us

At Intellichoice Finance, we’ve been successfully providing finance solutions to satisfied clients for years. From home loans, bad credit loans… to owner builder loans… equipment and commercial finance – we’ve got it covered.