Discover the right business loan in Australia. Compare options and get the funding your business actually needs.
Your business does not have to fit a category to be funded. If yours is not listed, it is still worth asking.
Put your best foot forward by preparing strong answers to 9 questions a lender might ask you.
Put your best foot forward by preparing strong answers to 9 questions a lender might ask you.
B2B embedded finance isn’t just a tech upgrade; it’s a strategic lever to boost acquisition, conversion, and retention.
Your existing clients aren’t just customers; they’re a source of potential growth.
Asset finance tailored for SMEs
Get the vehicles, machinery and equipment your business needs, and spread the cost over time to preserve working capital.
About
What is asset finance?
Asset finance helps your business get the equipment, vehicles or machinery it needs without paying the full cost upfront, so your cash stays free 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.
What it covers
Types of assets you can finance
From forklifts to laptops, if it keeps your business running, chances are we can help you finance it.
Vehicles
- New or used cars, utes and vans
- Trucks and trailers
- Electric and hybrid models
- Buses and coaches
Business machinery
- Manufacturing and food processing machinery
- CNC machines and printing presses
- Packaging systems and generators
- Earthmoving equipment, tractors and forklifts
Specialised equipment
- Medical and dental equipment
- Commercial kitchen, gym and salon equipment
- POS systems and ATMs
- Audio-visual gear and fit-outs
Office equipment
- Computers, laptops, printers and copiers
- Desks and ergonomic furniture
- Phone and teleconferencing systems
- Security systems and air conditioning
Ways to fund
Your asset finance options
Own it or lease it? Compare how each option works before you apply.
01Equipment finance
Buy the equipment or machinery you need now, spread the cost over time, and own it once the loan is repaid.
02Vehicle finance
Get the car, ute, van or truck your business needs without paying the full price upfront.
03Equipment leasing
Use equipment without buying it, with predictable repayments and flexible options at the end of the term.
04Secured term loan
Use property or another asset as security to access larger loans, longer terms and competitive rates.
Requesting a quote has no impact on your credit score.
Getting started
How to apply for asset finance
Step 1: Get a quote
Tell us what your business needs and get quotes from 95+ bank and non-bank lenders.
Step 2: Get approved
Confirm your quote and we’ll manage the application with your lender, so you can focus on running your business.
Step 3: Get funded
Sign your finance documentation and receive funding. It is that simple.
Awarded and sorted
Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
Our panel
Our lender panel
95+ lenders on panel. Filter by what you need funded and the lenders with that product evidenced on their own site come forward.
- All lenders
- Equipment
- Vehicle
- Working capital
- Invoice
- Trade & supply chain
- Commercial property
- Construction
Why Valiant
One application to 95+ lenders
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 95+ lenders—often within 24 hours.
Personalised support
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
Built for Australian SMEs
Since 2015, we’ve helped Australian SMEs across every industry access $3.0bn+ in funding—supporting them through challenges and unlocking new opportunities.
30,000+ SMEs we've worked with.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
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Questions
Frequently asked questions
- 01How 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.
- 02Do I need to provide collateral?
Yes, typically the asset being financed is used as collateral.
- 03Can 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.
- 04What 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.
- 05What 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.
- 06Can 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.
- 07What happens at the end of a lease?
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.