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BUSINESS LOANS
ASSET FINANCE

Tailored Asset Finance for SMEs

With asset finance, you can access essential equipment for your business, while spreading the cost over time, preserving your working capital.

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Requesting a quote has no impact on your credit score.

What is Asset Finance?

Asset financing helps your business access the equipment, vehicles, or machinery it needs—without paying the full cost upfront. Instead, you spread the cost over time with manageable repayments, preserving your cash flow for other priorities.

Whether you're purchasing new tools, upgrading a fleet, or leasing specialist equipment, asset finance gives you flexible funding tailored to the asset and your business needs.
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Types of Asset Finance we offer

Secured Term Loan
Equipment Finance
Vehicle Finance
Lease Agreement

Secured Term Loan

A secured business loan is a type of financing where you use an asset, normally property, as collateral.

  • Borrow up to $1,000,000+
  • Lower interest rates
  • Longer repayment terms
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Requesting a quote has no impact on your credit score.

Equipment Finance

Equipment finance lets your business access the tools it needs now, while spreading the cost over manageable repayments.
  • Lower interest rates
  • Eligible for tax benefits
  • Own the asset once you repay the loan
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Requesting a quote has no impact on your credit score.

Business Car Loan

A business car loan is a way to purchase a vehicle for your business while spreading the cost out over time.
  • Lower interest rates
  • Eligible for tax benefits
  • Existing debt doesn't usually affect approval
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Requesting a quote has no impact on your credit score.

Business Equipment Leasing

Equipment leasing lets your business use equipment, vehicles, or machinery without buying it upfront.
  • Predictable repayments
  • No large upfront costs
  • Flexible end-of-term options
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Requesting a quote has no impact on your credit score.

What assets can we finance?

From forklifts to laptops, commercial ovens, and more—if it keeps your business running, we’ll help you fund it.
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Vehicles

Skid steer loader parked outside a warehouse, showcasing equipment for construction and machinery financing.

Business machinery

  • Manufacturing equipment
  • Food processing machinery
  • Printing presses
  • Generators
  • Packaging systems
  • Earthmoving machinery
  • CNC machines
  • Warehousing machines
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Specialised equipment

  • Medical imaging equipment
  • Dental chairs and instruments
  • POS systems
  • Construction tools
  • Commercial kitchen appliances
  • Audio-visual equipment
  • Gym equipment
  • Salon and beauty equipment
  • Furniture and fit-outs
  • ATMs
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Office equipment

  • Computers and laptops
  • Printers and copiers
  • Desks and ergonomic furniture
  • Teleconferencing systems
  • Phone systems (VOIP)
  • Air conditioning units
  • Security systems and cameras
Get the equipment your business needs—no matter the industry.
Construction
Healthcare
Hospitality
And more
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How to apply for Asset Finance

STEP 1: GET A QUOTE

Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.

STEP 2: GET APPROVED

Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.

STEP 3: GET FUNDED

Sign your finance documentation and receive funding. It is that simple.

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Requesting a quote has no impact on your credit score.

Frequently Asked Questions

What types of asset finance does Valiant offer?

Valiant offers four types of asset finance: secured term loans, equipment loans, business car loans, and lease agreements.

How much can I borrow?

Depending on the type of asset finance solution you opt for (and on your borrowing power), you may be able to access over $1,000,000.

Do I need to provide collateral?

Yes, typically the asset being financed is used as collateral.

Can I finance second-hand equipment?

Yes, you can finance used equipment for your business, although conditions may apply depending on the age and condition of the asset.

What are the interest rates on asset finance?

Rates vary based on the asset, loan type, term length, your credit history, and other factors. Our lending specialists can help you compare your options.

What is a balloon payment?

A balloon payment is a lump-sum payment that’s due at the end of a loan term—commonly used in equipment finance, business car loans, and chattel mortgages. It lowers your monthly repayments but will increase the amount of interest you pay over the course of your loan.

Can I get asset finance as a sole trader?

Yes, it is possible to get asset finance as a sole trader, but approval depends on factors like your income, credit history, and time in business.

If I choose to lease an asset, what happens at the end of the agreement?

At the end of the lease, you typically have the choice to return, upgrade, or buy the equipment. However, not all leases are created equal, so make sure to read through your contract to understand your options.