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10 · Asset

Asset finance,
structured to your cash flow.

Vehicles, plant, machinery, tools, technology. Finance the assets your business needs to keep moving — without tying up working capital.

Book a Strategy Call → Call (03) 9967 1678

Indicative Rates · Asset Finance

Chattel Mortgage (Vehicle)6.49% p.a.
Chattel Mortgage (Plant)7.15% p.a.
Hire Purchase / Lease7.49% p.a.

Indicative rates only. Actual rates depend on lender, LVR, file profile and current market. Book a strategy call for precise figures matched to your scenario.

What's covered

Asset Finance — end to end.

Every angle of asset finance, handled by one team that knows your file.

⊙

Vehicle Finance

Cars, utes, vans, trucks. New, used or imported. Chattel mortgage for tax benefits, lease for off-balance-sheet treatment.

⊞

Plant & Machinery

Manufacturing, construction, agricultural plant. Heavy or specialised — we have lenders for every category.

◫

Technology & Equipment

IT infrastructure, point-of-sale, medical and dental equipment. Often 100% financed including installation costs.

⊟

Fit-Out & Furniture

Restaurant fit-outs, office furniture, retail fixtures. Whole package financed against business cash flow.

⊠

Fleet & Multi-Asset Facilities

Master facilities for businesses with rolling asset needs — pre-approved limits, fast drawdowns.

◇

Novated Lease

For your employees as a workplace benefit — we partner on the structure.

Why Wood & Weiss

A different kind of asset finance brokerage.

Real broker access. Real strategy. Real outcomes.

Speed where it matters

Many asset finance deals settle within 24-48 hours. We have processes and relationships built for it.

Tax-aware structures

Chattel mortgage vs hire purchase vs lease — each has different tax treatment. We work with your accountant to pick the right one.

Beyond the dealer rate

Dealer finance is convenient but rarely the best rate. We benchmark against 20+ asset finance lenders to make sure you're not overpaying.

Instant asset write-off support

Where eligible, we help structure to maximise the Instant Asset Write-Off provisions in the financial year.

How it works

From first call to settlement.

Four clear steps — managed end to end, with you in the loop at every stage.

01

Asset & business detail

A short conversation on the asset, the supplier, your business and your accountant's preference for structure.

02

Lender match & quote

We match the deal to 2-3 most-suitable lenders and present indicative rates within hours, not days.

03

Application & approval

Streamlined application — often a one-page summary plus financials. Approvals typically within 1-2 business days.

04

Settlement to supplier

We coordinate with the supplier or dealer for direct payment, getting your asset on the road faster.

FAQ

Asset Finance — common questions

Chattel mortgage, hire purchase or lease — what's the difference?
+
Chattel mortgage: you own the asset, claim depreciation and GST upfront. Hire purchase: ownership transfers at end of term. Lease: financier owns; you claim lease payments as deduction. Choice depends on your tax position and accounting treatment — your accountant has the final word, we structure to fit.
Can I include a balloon payment?
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Yes. Balloon (or residual) payments at the end of the term reduce your monthly repayments and let you re-finance or sell the asset later. Most assets allow 20-50% balloon, depending on age and type.
What's the typical term length?
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For vehicles, 3-5 years is standard. For heavier plant and machinery, 5-7 years. Term affects monthly repayment and total interest cost — we model the trade-offs for your situation.
Do you finance used or imported assets?
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Yes — most lenders accept used assets up to 10-15 years old (with age-based LVR adjustments). Imports require additional documentation but are routinely financed.
Will this affect my home loan capacity?
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Yes — asset finance repayments count against your overall serviceability. We assess this up front so it doesn't surprise you when applying for property finance later.
How does the Instant Asset Write-Off interact with this?
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Subject to current legislation and eligibility limits, the IAWO lets eligible businesses immediately deduct the cost of qualifying assets purchased and installed in the financial year. We structure the finance so it qualifies where possible — and confirm with your accountant.
How fast can business finance settle?
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For straightforward deals it can be quick — approvals are often back within 1-2 business days, and where the asset and supplier details are ready, settlement can follow same-day to a few days after approval. Low-doc and asset-backed applications tend to move fastest; deals needing full financials, complex structures or unusual assets take a little longer. We tell you up front what's realistic for your situation and chase the lender so nothing stalls.
Can I self-declare my income for a car loan?
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In some cases, yes. A number of lenders offer low-doc or self-declared income options for car and asset finance — typically for ABN holders, often with a clean credit history and sometimes a deposit or the asset itself as security. Rates and limits differ from full-doc loans, and the lender still has responsible-lending obligations to confirm you can afford the repayments. We'll match you to a lender whose policy fits how you can evidence your income.
Related services

Also part of what we do.

11 · Equipment
Equipment Finance
→
08 · Commercial
Commercial Loans
→
05 · Investment
Investment Loans
→
Jeff Moishe
Jeff & Moishe — Co-directors Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide
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