Asset Finance for Australian Businesses

  • Finance amounts of
    $50k to $1.5 million
  • Interest rates from
    9.75% p.a

If your business is looking for funds to purchase equipment, Earlypay offers flexible finance solutions that can safeguard your cash flow and provide you with the funds needed to grow. Our straightforward process requires only essential financial details in most cases, allowing us to provide loans ranging from $50k to $1.5 million.

Need new equipment or assets but don’t want to tie up your valuable cash? Earlypay’s Asset Finance gives Australian businesses access to essential equipment and high-value assets without using up cash reserves. It’s a flexible way to grow because it:

  • Preserves your working capital
  • Avoids the financial burden of large upfront costs; and
  • Helps your business stay responsive in a changing market

What can you finance?

From trucks, buses, trailers, utilities, forklifts, earthmovers and cranes, to farming gear, manufacturing equipment and more. Use asset finance to buy essential equipment and assets that move your business forward. We finance a wide range of new and used assets for manufacturing, logistics, agriculture, transport, mining, construction and professional services. Regardless of business model or industry, Earlypay has affordable options to support your next purchase.

Wheels and Tracks

Improve productivity and stay ahead of your competitors without the large upfront capital outlay, by financing your next equipment purchase or upgrade. Enhance productivity and maintain a competitive edge without the need for a significant upfront investment. Finance your upcoming equipment purchase or upgrade to propel your productivity forward.

Get started now

Assets we finance

  • Trucks
  • Trailers
  • Buses
  • Passenger vehicles
  • Civil construction equipment
  • Excavators
  • Loaders
  • Forklifts
  • Mobile Cranes
  • Lifting Equipment
  • Forestry Equipment
  • Farming Equipment

How we help

  • Tailored to you

    We tailor your Asset Finance solution to ensure your cash flow position is optimised for your current needs and future growth.

  • A little or a lot

    Whether you need $50,000 or $1,500,000, Earlypay Asset Finance has your business finance needs covered.

  • New, used and more

    New, used or existing assets are all considered with Earlypay Asset Finance. We can also help with mid-term re-financing and debt consolidations.

  • Activate the equity in what you own

    Do you have capital tied up in your assets? We can help you release the equity in your existing business assets to stabilise cash flow, fund future growth or get on top of tax debt.

How Asset Finance works

Applying for Earlypay Asset Finance is simple and fast. Just complete our online enquiry form and someone will be in touch to finalise your application. We accept new and used equipment purchases through both dealers and private sellers. Choose the options that best suit your business and buying preferences. You can also unlock equity from assets you already own. Finance amounts range from $50,000 to $1.5 million with repayment terms of between 24 and 60 months. If you’re looking for mid-term refinancing, we can help with that too.

Why choose Earlypay?

Earlypay is an Australian business that has been helping other Australian businesses grow since 2001. Whether you’re upgrading your fleet, investing in new tools and equipment, or consolidating debt, Earlypay has solutions to suit. We offer:

  • Fast flexible funding
  • Purpose-built solutions for your industry and business goals
  • Competitive rates
  • Expert support If you’ve found it difficult to access finance through other channels, talk to us because we can often help.

Talk to us today

Talk to our Asset Finance team today and make your next move with confidence. Unlock the funds to take your business to the next level without large upfront costs or draining your cash reserves. Get started online in minutes.

Get in touch

Asset Finance in action

See all

Frequently asked questions

What is Asset Finance and who is it for?

Asset financing is a type of business loan that helps businesses obtain the assets they need to operate and grow their business. It is often utilised by businesses that require equipment or vehicles and want to preserve their working capital by not funding it themselves upfront.

Asset Finance can be accessed through a bank, finance company (like Earlypay) or through asset finance brokers.

How does Asset Finance work?

Asset finance provides a lump sum so you can purchase an asset for your business. Generally, the asset purchased (for example, a truck) will be used as the security asset for the loan. The borrower pays an agreed-upon amount periodically (generally monthly repayments) to repay the amount borrowed as well as the interest charges (which depend on the interest rates).

To learn more about Asset Finance, please call us today. Alternatively, reach out to your BDM or asset finance broker.

What are the different types of asset finance options?

There are a few options regarding the different types of finance solutions available to help a business purchase assets. The main types of asset finance includes:

  • hire purchase,
  • finance lease,
  • operating lease,
  • novated lease,
  • chattel mortgage.

If you're unsure of the type of finance that will suit your business needs best, it is always a good idea to seek advice from a trusted professional.

How much equipment finance can I get?

We can provide anywhere between $50,000 and $1,500,000 of finance for equipment and vehicles.

How long will I have to repay the finance?

Our short-term Asset Finance ranges from 24 months to 60 months.

What types of equipment and vehicles will you finance? We can finance a wide range of assets to help your business grow and/or become more efficient. Some types of assets that can be financed include:

Wheels & Tracks

  • Trucks, Trailers, Passenger vehicles and Forklifts.
  • Construction and Earthmoving, Farming equipment, Forestry equipment, Quarrying Equipment, Mobile Cranes and Lifting Equipment

Business Equipment

  • Manufacturing, Steel Engineering and metalworking, Landscaping, Cleaning, Printing and other equipment for a broad range of industries.

Please contact us to confirm.

Can you provide finance against old and used equipment?

We will consider assets of any age for finance. An independent valuer will assess the amount you can borrow against older and used assets.

What are my purchase options?

Your funding will be available for your equipment or vehicle the next working day after your application is approved.

Will Equipment Financing work for my business?

Yes! It can help improve cash flow, free up capital and reduce upfront costs.