Vehicles & Transport
Utes, cars, trucks, trailers and fleet.
Services / Asset Finance
Asset Finance.
Vehicles, machinery and specialist gear. Here is exactly what happens, what it is worth, and what it costs you: nothing.
Who this is for
Anyone financing a vehicle or a piece of equipment.
Utes, cars, trucks and trailers. Tractors, headers, sprayers, harvesters. Irrigation, pumps and pivots. Cool rooms, packing lines, workshop gear, automation and technology. New, used, dealer, private sale or auction.
The finance itself is the straightforward part. The part that costs people money is choosing the wrong structure: a chattel mortgage, a hire purchase, a finance lease and a rental all end up looking similar in the repayment column and behave completely differently on your balance sheet and in your tax position.
Farm Machinery
Tractors, headers, sprayers, harvesters and attachments.
Irrigation & Infrastructure
Pumps, pivots, drip line and on-farm automation.
Processing & Workshop
Cool rooms, packing lines, workshop gear and technology.
Phase 1
The complimentary strategic assessment.
Four stages of specialist work, done before anyone has touched your credit file. There is nothing to pay at any stage.
We talk about the asset and what it is for
A short conversation about the asset, how it will be used, how long you expect to keep it, and how it fits with the rest of your equipment and your existing facilities.
What this means for you: how long you will keep it and how hard it will work should decide the structure. In a dealership those questions do not get asked, because the finance desk is paid on the finance, not on whether it suits you in four years.
I run you through the structures side by side
Chattel mortgage, hire purchase, finance lease, operating lease and rental, compared for your situation: ownership, balance sheet treatment, residual or balloon exposure, end of term position, and what happens if you want out early.
What this means for you: this is where the money is. Most people are shown one option and told it is the one that suits them. The difference between the right structure and the convenient one shows up at the end of the term, when it is too late to change. Tax treatment is your accountant's call, and I will tell you exactly what to ask them.
I pre-assess it properly
Serviceability, existing commitments, the asset's age and type, and whether it should sit inside an existing facility or stand alone.
What this means for you: asset finance is quick to apply for, which is exactly why people accumulate five separate facilities on five different terms without noticing. A minute spent here saves a mess later.
I test your position against lender credit appetite
I test the deal against current appetite and policy across my panel, which for asset finance includes lenders who will look at older equipment, private sales and specialised machinery that a bank will not touch.
What this means for you: you get an indicative outcome before anyone has touched your credit file, which matters here because asset finance applications are the ones people scatter around most freely.
You choose to continue from here.
Everything to this point has cost you nothing, and you leave knowing where you stand: an indicative outcome, in plain language, based on your actual numbers.
When you are ready to move, Phase 2 is where I go to work for you.
Phase 2
Formal engagement.
There is no engagement fee on asset finance. Not reduced, not rebated. There is nothing to pay.
I prepare and lodge the application
A complete application with the asset details, the supplier documentation and whatever context the file needs.
What this means for you: complete files get decided quickly. Incomplete ones sit in a queue while somebody emails you for a serial number.
I manage the assessment and the conditions
Managing the file through assessment and working through every condition and query to approval.
What this means for you: you are getting on with the job rather than chasing a decision.
I deal with the supplier and get it settled
Liaison with the dealer or private seller, invoice and documentation checks, verifying the asset is clear of existing security, signing, and payment to the supplier.
What this means for you: buying privately is where this matters most. Money paid for a machine that still has finance owing on it is a genuinely bad day, and checking that is part of the job.
I keep track of it for you
I keep a record of your terms and residuals and come to you before a term ends, rather than after, so the next decision is planned instead of urgent.
What this means for you: residuals and balloons arrive whether you were ready or not. A phone call three months out turns a problem into a plan.
What it all adds up to
Twelve hours of specialist work.
| Inclusions | Typical hours | Value | You pay |
|---|---|---|---|
| Discovery conversation about the asset | 1 | $250 | $0 |
| Structure comparison: mortgage, hire purchase, lease, rental | 1.5 | $375 | $0 |
| Serviceability and pre-assessment | 1.5 | $375 | $0 |
| Testing your position against lender credit appetite | 1 | $250 | $0 |
| Phase 1 subtotal | 5 | $1,250 | $0 |
| You choose to continue from here | |||
| Application preparation and lodgement | 2 | $500 | $0 |
| Assessment and condition management | 2 | $500 | $0 |
| Supplier liaison, security checks and settlement | 2 | $500 | $0 |
| End of term and next asset planning | 1 | $250 | $0 |
| Phase 2 subtotal | 7 | $1,750 | $0 |
| Total | 12 | $3,000 | $0 |
Values reflect typical market rates for comparable specialist advisory and structuring work, calculated at $250 per hour. They are not fees charged to you.
Hours are typical, not fixed. Some engagements run under and some run well over, depending on your circumstances and how the information arrives. It costs you nothing either way.
What you pay
Nothing, at any stage.
There is no engagement fee on asset finance. Not reduced, not rebated. My work here is paid for by the lender on settlement.
It is worth saying plainly, because a dealer finance desk is paid the same way and does not tell you. The difference is that a dealership can offer you one lender’s product and I can put your deal in front of a panel.
Asset finance
Nothing
There is no engagement fee on asset finance, at any stage, for any client.
I am paid a commission by the lender on settlement, not by you.
This covers credit assistance and structuring. It does not guarantee that a lender will approve your application. The tax treatment of a chattel mortgage against a lease is your accountant’s call.
Book a Time with AdrianIn depth
Specialist topics we cover.
Hover or tap a card to read more.
Asset Finance for Business
Hover / tap to learn moreAcquire the assets you need without draining working capital. Funding structures matched to the asset and its useful life.
Talk to us →Chattel Mortgage
Hover / tap to learn moreOwn the asset from day one. Strong tax position, full input tax credit if GST-registered, flexible balloon options.
Talk to us →Lease & Novated Leasing
Hover / tap to learn moreZero upfront, pre-tax salary packaging, and off-balance-sheet options. Ideal for fast-depreciating tech and fleet vehicles.
Talk to us →Ag, Industrial & Infrastructure
Hover / tap to learn moreHeavy-duty funding for the backbone of production. Headers, sprayers, forklifts, excavators, packing lines, refrigeration.
Talk to us →Lifestyle, Transport & Green Finance
Hover / tap to learn moreFleet renewal, EVs, and green loans with discounted rates. Caravans, boats, motorbikes, and personal-use vehicles funded too.
Talk to us →The Hardie Difference
Hover / tap to learn moreRepayments structured around your seasons, not the bank’s calendar. Skip-payments, annual instalments, harvest-aligned terms.
Talk to us →Common questions
Before you book.
What does this cost me?
Nothing. There is no engagement fee on asset finance, at any stage, for any client. I am paid a commission by the lender on settlement, not by you. That is the same way a dealer finance desk is paid, except a dealership can offer you one lender's product and I can put your deal in front of a panel.
The dealer has already offered me finance. Why look further?
Because the dealer finance desk is paid on the finance and will not ask how long you intend to keep the asset. The structure is what decides your position at the end of the term, and it is worth ten minutes to compare properly.
What is the difference between a chattel mortgage and a lease?
Ownership, balance sheet treatment, residual exposure and what happens at the end of the term. I will run you through all four side by side. The tax treatment of each is your accountant's call, and I will tell you exactly what to ask them.
Can you finance a private sale or older equipment?
Often yes. My panel includes lenders who will look at older gear, private sales and specialised machinery that a bank will not touch. Part of the job on a private sale is verifying the asset is clear of existing security before any money moves.
Will this affect my credit file?
No. Your position is assessed against lender policy first. A credit enquiry is only lodged when you decide to submit an actual application, and I ask you before that happens.
How quickly can it be done?
It depends on the lender, the asset and how complete the file is when it goes in. Complete applications get decided quickly, which is why the preparation step exists. I will not promise you a timeframe a lender controls.
What happens when the term ends?
I keep a record of your terms and residuals and come to you before the term ends, so the next decision is planned rather than urgent. That is included, and there is nothing to pay for it.
Do you work outside the Sunraysia region?
Yes. I am based in Mildura, Victoria and travel a wide radius around the Sunraysia region. Clients further afield are looked after by video, phone and email, with the same process throughout.
★★★★★
Adrian was fantastic in our appointment, making sure I understood all options, with high attention to detail. Super friendly and easy to talk to. High quality of professionalism. Highly recommend him for anyone wanting more knowledge or looking to get their future started.
Verified Google Review
Individual results vary. Your outcome depends on your circumstances and lender assessment.
Explore our other services
Agribusiness Lending
Land, seasonal credit & water.
Click for moreBusiness Lending
Working capital, acquisition & growth.
Click for moreCommercial Property
Buy the premises or the investment.
Click for moreHome & Investment
Buying, upgrading or investing.
Click for more