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Asset Finance
Explore lending pathways to finance vehicles, equipment, plant or machinery.
Who this may suit
Business owners purchasing vehicles or commercial equipment
Sole traders needing to finance tools or work vehicles
Companies replacing or upgrading existing assets
Operators financing new or used plant and machinery
Common use cases
Financing a business vehicle (car, van, truck)
Equipment or machinery for a trade or business
Medical or dental equipment
Agricultural equipment or farming machinery
Technology hardware or fit-out assets
New or used asset purchases from a dealer or private seller
Documents commonly required
Valid photo ID
Quote or invoice for the asset being financed
Details of the asset — make, model, year, serial number
Business financials or tax returns (for business use)
ABN or ACN for business applicants
Last 3–6 months bank statements
Driver's licence if the asset is a vehicle
Important considerations
Asset finance can be structured as a chattel mortgage, finance lease or hire purchase — each has different accounting and tax treatment
GST implications differ depending on the finance structure — seek advice from your accountant
New vs used assets may attract different rates — used assets have age and condition limits
The asset typically serves as the primary security for the loan
Business vs personal use split may affect the finance structure and tax treatment
Early payout or balloon payment terms should be reviewed carefully
All lending subject to lender assessment, asset approval and final approval
Ready to explore your options?
Start a lending enquiry
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Helpful official resources
The following links are to independent government and regulatory sources. They are provided for general reference only.
Important Information
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.