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Smart Asset Finance for Businesses in Australia

Flexible Structures, Competitive Rates, and Tax-Effective Finance
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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Australia’s most trusted mortgage brokers!

Why VOXFIN Is an Excellent Choice for Asset Finance?

40+ Lenders to Choose From

We help you find better rates than your bank

Tax-Effective Structures

We help you maximise EOFY instant asset write-offs

Low-Doc Options Available

We promise quick approvals without full financial documents

Australia-Wide Services

We provide services at multiple locations all over Australia

What is Asset Finance?

Businesses across Australia typically seek asset finance solutions when acquiring essential assets, including vehicles, machinery, and equipment. We make it possible – without tying up working capital. 

Asset finance spreads the cost with structured repayments tailored to your cost flow, instead of large upfront payments.

Who Can Benefit from Asset Finance

SMEs & growing
businesses

Sole traders & ABN
holders

Companies with complex structures (partnerships, trusts, etc.)

Businesses with limited or impaired credit history

Trusted by hundreds of Melbourne businesses for faster approvals, most competitive rates, and tax-smart structures. VOXFIN’s expertise in chattel mortgages and business vehicle finance means you get the right solution the first time.

Types of Asset Finance We Arrange at VOXFIN

Chattel Mortgage

Ideal for businesses buying vehicles or equipment with tax benefits

  • Own the asset from day one.
  • The lender will provide you with funds secured against the asset.
  • At the end of the loan, you own it outright.

Key benefits

  • Claim GST upfront (if registered)
  • Tax deductions on interest and depreciation
  • Option to include a balloon payment for lower repayments
  • Full ownership throughout the loan term

Finance Lease

Ideal for businesses wanting to preserve capital and manage cash flow

  • The lender purchases the asset and leases it to you for fixed monthly payments.
  • At term end, you can upgrade, return, or purchase the asset.

Key benefits

  • Asset stays off your balance sheet
  • Fixed repayments make your budgeting easier
  • Upgrade to newer models at lease end
  • 100% tax-deductible lease payments

Commercial Hire Purchase

Ideal for businesses that prefer ownership at the end of the term

  • The lender buys the asset and leases it to you.
  • You make fixed repayments.
  • When fully paid, the ownership transfers to you.

Key benefits

  • No large upfront capital required
  • Fixed interest rate and repayments
  • Tax deductions on the interest portion
  • Ownership certainty at the end of the contract

Novated Lease

Ideal for employees who want vehicle financing with salary packaging benefits

  • Your employer leases a vehicle on your behalf.
  • The payments are deducted from pre-tax salary.
  • It reduces your taxable income.

Key benefits

  • Significant tax savings on income
  • GST savings on vehicle purchase and running costs
  • Flexibility to keep the car in case of a job change
  • Bundles all vehicle costs into one payment

What Can You Fund with VOXFIN’s Asset Finance Solution?

Commercial Vehicles & Business Cars

  • Work utes and commercial vans
  • Company cars & fleet vehicles
  • Light commercial vehicles
  • Trucks & trailers
  • Business sedans & wagons

Business Property & Fitouts

  • Shop fitouts & renovations
  • Office furniture & fitouts
  • Business premises improvements
  • Leasehold improvements
  • Retail and commercial fitouts

Specialised Business Assets

  • Medical & dental equipment
  • Healthcare practice fitouts
  • Hospitality equipment (bars, commercial kitchens)
  • Retail store setups & displays
  • Professional services equipment

The 4-Step VOXFIN Asset Finance Process

Direct access to 40+ lenders

Free Consultation

We assess the best finance type for your asset needs, business structure, and tax position.

Tailored loan structuring

Compare 40+ Lenders

We hunt for the lowest rates and most suitable terms to shortlist your top options.

Australia-wide service

Application & Approval

Our low-doc options allow us to handle paperwork and lender negotiations on your behalf.

Australia-wide service

Purchase Your Asset

We arrange settlement quickly, so you don’t miss any opportunities or EOFY benefits.

Want to explore your options?

Speak with our asset finance specialists today!
Contact Now

End of Year (EOFY) Tax Benefits – Why Timing Matters

For maximum deductions, ACT BEFORE JUNE 30

Eligible businesses can claim

  • Immediate deductions on eligible depreciating assets
  • Write-offs up to applicable thresholds (varies by turnover)
  • GST input tax credits (if registered)
  • Reduced taxable income for the financial year

Note: Tax laws are subject to regular amendments. We strongly recommend consulting your accountant before making any financial decisions. VOXFIN will work alongside your accountant to structure your finances correctly.

What’s Stopping You From Financing Your Next Business Asset?

Get ready with expert guidance from Melbourne’s asset finance specialists!

Book a FREE Consultation

People Also Browse Related Services at VOXFIN

Equipment Finance

Specialised finance for machinery and equipment

Business Loans

Working capital and growth funding

Commercial Vehicle Finance

Fleet and truck finance

Frequently Asked Questions (FAQs)

Questions and queries related to Asset Finance

Can I get asset finance with a low credit score?
Yes. We specialise in complex scenarios, including impaired credit, defaults, and judgments. Our access to specialist lenders means we can often find solutions when banks say no.
Do I need to provide recent tax returns?
Not always. We offer low-doc and ABN-only options for self-employed and small businesses. Requirements vary by lender and loan amount.
How quickly can I get approved?
You can expect pre-approvals within 24 hours. Full approvals typically take 1-3 business days, depending on documentation completeness.
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What's the difference between a lease and a chattel mortgage?
The difference is the ownership timing. With a chattel mortgage, you own the asset immediately. On the other hand, with leases, ownership transfers at term end (or you upgrade/return). Tax treatment also differs – consult your accountant.
Can trusts and companies get asset finance?
Absolutely. We specialise in complex business structures, including trusts, partnerships, joint ventures, and companies.

What Our Customers Say

Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

- Ketan Patel

Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
Highly recommended.

- Haris Khan

VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

- Maria Thomas

VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

- Shino Varghese
Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!
- Aditya Mushnuri

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