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AssetChain Finance Pty Ltd
A handshake closing a business agreement
How It Works

Four steps from enquiry
to keys in hand

Simple. Fast. Flexible. We handle the lender legwork so you can keep running your business.

The Difference

Going direct, or
going through a broker

The same application can land very differently depending on how many lenders ever see it.

Straight to one lender

  • One credit policy, and one view of your application
  • A decline usually arrives without a reason you can act on
  • Each separate application leaves its own credit enquiry
  • You chase the paperwork and the follow-ups yourself
  • The structure on offer is the product that lender sells

Through AssetChain

  • A panel of banks and non-bank funders, compared side by side
  • We work out which lenders fit before anything is submitted
  • One shortlisted application rather than a scattered trail
  • We handle the lender back-and-forth and keep you updated
  • Terms, deposit and balloon shaped around how the asset earns

Your Asset. Your Business. Our Finance Solution.

Get a Finance QuoteMore about AssetChain
How It Works

What happens at each step

Simple. Fast. Flexible. We handle the lender legwork so you can keep running your business.

  • 01

    Apply

    Tell us about the asset and your business. A short enquiry is enough to get started — no lengthy forms.

  • 02

    Assess

    We review your position and match it against our lender panel to find the structures that genuinely fit.

  • 03

    Finance Approved

    We present your options clearly — rate, term, deposit and repayments — and arrange approval with the lender.

  • 04

    Asset Purchased

    Settlement is coordinated with the seller so you can collect your asset and get back to work.

Why It Works

Four steps is the process.
This is why it is built that way

What we do differently at each stage, and what that changes for you.

How we work

  • Flexible Solutions

    Terms, deposits and balloon payments structured around your cash flow — not a one-size-fits-all product.

    Terms
    Matched to the asset
    Structure
    Deposit and balloon

  • Lender Choice

    We work with a broad panel of lenders, so your application is matched to the one most likely to say yes.

    Panel
    Banks and non-bank funders
    Approach
    Criteria-led matching
What that means for you

  • Simple Process

    One enquiry, minimal paperwork, and clear updates. We handle the back-and-forth with lenders.

    Paperwork
    Kept to a minimum
    Updates
    Direct from your specialist

  • Personalised Service

    A specialist who learns your business and stays with you from first enquiry through to settlement.

    Contact
    One named specialist
    Scope
    Enquiry through to settlement
Who We Help

One lender panel, every kind of operator

Where you are in the cycle changes which lenders will say yes, and how the deal should be structured.

20+
Lenders
A white dual-cab ute parked on a gravel lookout at sunset
ABN holders

Sole traders & owner-operators

One ute, one excavator, one van. Getting the first or second asset financed without a long trading history behind you.

Talk to a broker
01
A dark seven-seat SUV parked on a gravel lookout at sunset
Plant & machinery

Growing trade & civil businesses

Taking on bigger contracts means bigger plant. Structuring finance so the asset pays for itself as it works.

Talk to a broker
02
A white sedan parked on a waterfront with a city skyline behind
Fleet refinancing

Established operators & fleets

Multiple assets, multiple facilities. Consolidating, refinancing and keeping the whole structure working together.

Talk to a broker
03
A prime mover parked head-on in a depot yard
Prime movers

Transport & logistics operators

Trucks, trailers and prime movers that have to keep earning. Terms matched to contract length rather than a generic schedule.

Talk to a broker
04
A forklift carrying a loaded pallet down a warehouse aisle
Forklifts

Workshops, warehousing & light industry

Forklifts, racking, workshop plant and fit-outs. The unglamorous equipment that quietly sets how much work you can take on.

Talk to a broker
05
Questions

Common questions,
answered plainly

If yours is not here, call us — it is usually a two-minute conversation.

What can I finance through AssetChain?
Commercial and passenger vehicles, trucks and trailers, construction and earthmoving equipment, plant and machinery, and business assets more broadly. If an asset helps your business earn, there is usually a way to fund it — ask us if yours is not listed.
Do I need an ABN to apply?
Not always. Many asset finance products are designed for ABN holders, and some lenders have minimum trading periods. We also work with lenders who fund consumer purchases. Tell us your situation and we will tell you which path applies.
Can I finance a private sale or an auction purchase?
Yes. Several lenders on our panel fund private and auction purchases as well as dealership stock. The inspection and settlement process differs slightly, and we will walk you through it before you bid or commit.
Will enquiring affect my credit score?
No. Submitting an enquiry does not involve a credit check. We only submit a formal application — which does involve a credit assessment — once you have seen your options and asked us to proceed.
How long does approval take?
It depends on the lender, the asset and how complete your documentation is. Straightforward applications can be approved quickly; more complex structures take longer. We will give you a realistic timeframe up front rather than an optimistic one.
Can I refinance equipment I already own?
Often, yes. If you own an asset outright or have equity in it, refinancing can release capital for your next purchase. The amount available depends on the asset's age, type and current value.
What does it cost to use AssetChain?
We will set out any fees that apply to your specific application in writing before you proceed, along with the rate, term and repayments. You will not encounter a charge you have not already seen.
Start Here

Now the process makes sense,
what are you financing?

Each category covers what it funds, how it is usually structured and what lenders look for.

Ready to finance your next asset?

Send through a few details and a finance specialist will come back to you within one business day with the options that fit.

Get a Finance Quote(02) 8750 9780