Asset Finance

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Asset Finance - FAQs

  • Asset Finance can cover a wide range of assets, including vehicles, machinery, technology equipment, and more. The flexibility of our service means we can accommodate various industry needs, whether you’re in construction, logistics, or retail.

  • Asset Finance is designed to preserve your working capital. Instead of paying the full cost of an asset upfront, you make manageable monthly payments, allowing you to retain cash for other essential business operations.

  • There can be tax advantages, such as potential deductions on lease payments. However, tax benefits depend on your specific financial situation, so we recommend consulting with your financial advisor for tailored advice.

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Asset Finance options

Maximise your business’s funding potential. Whether you need to purchase finance assets and equipment or a fleet of company vehicles, our team of experienced brokers will work with you to find the best financing options to meet your unique needs.

  • It’s a common question for small business owners; how do you get your hands on the equipment you need to grow, while still keeping the all-important cash flow and working capital at healthy levels?

    Choosing the right asset and equipment finance can give you further benefits than just preserving your day-to-day funds

    Motor vehicles

    Commercial vehicles

    Plant and machinery

    Agricultural equipment

    Solar power equipment

    Computers, photocopiers and phone systems

    Medical and dental equipment

    Office equipment

    General business equipment

    Internal fit-outs

  • A faster way to access finance for everyday expenses.

    Unsecured business loans are a relatively new option for businesses that need to get access to some extra funds. The obvious benefits of this type of finance is the speed in which access is granted to the finance, with simplified application process. This may allow you to quickly take care of cash flow, cover urgent expenses, or make the most of an opportunity.

    In recent years, a number of agile, financial technology (fintech) lenders have entered the finance market in Australia. These more non-traditional lenders can turn around approvals and deposit cash into your account in as little as 24 hours. Because they are unsecured the application is simpler and the loan amounts are often smaller – usually anywhere from $5,000 to $250,000. It also means there is greater risk to the lender so the interest rates may be relatively higher and the loan terms a lot shorter, with principal and interest repayments generally on a weekly basis but sometimes even daily.

    While the access to funds can be handy, it’s important to weigh up the repayment terms and amounts to make sure this short-term cash injection helps your business over the short and medium-term.

Real Success Stories

  • Manufacturing Success: From Renter to Owner

    The founder of a high-tech manufacturing company was operating in a rented warehouse, which limited expansion and increased expenses due to rising rents. Deciding to invest in the company's future, they obtained a Commercial Property Loan to purchase a strategically located factory.

    Owning the property allowed for customisation and expansion of manufacturing capabilities, turning a recurring expense into a valuable asset, improving cash flow, and laying a foundation for long-term growth and innovation.

  • Equipping Success: A Logistics Company's Journey

    A growing logistics company faced the challenge of expanding its fleet while managing cash flow. The Asset Finance solution provided by Shire enabled the acquisition of state-of-the-art vehicles, enhancing delivery capabilities and efficiency.

    This strategic investment, supported by manageable repayment plans, positioned the company as a leader in logistics services.

  • Building a Secure Future with Smart Investing

    A couple, planning for retirement, used their Self-Managed Super Fund (SMSF) to invest in property. Shire's SMSF Loan helped them purchase a rental property, adding a steady income stream to their retirement funds.

    The guidance provided on regulatory compliance and investment strategies made this a smooth and profitable venture.

  • A Boutique's Journey to Property Ownership

    Co-owners of a thriving fashion boutique were grappling with escalating rent that threatened their profitability.

    They decided to invest in their future by purchasing a storefront in a prime retail location with the help of a Commercial Property Loan. This move not only eliminated their rental expenses but also reduced their operational costs, allowing for reinvestment in the business and growth in customer base and revenue.

  • Construction Firm's Green Initiative

    An eco-friendly construction firm aimed to integrate sustainable technology into their operations.

    Asset Finance from Shire facilitated the purchase of solar-powered equipment, reducing the firm's carbon footprint and operating costs. T

    his move aligned with their green philosophy and attracted new clients interested in sustainable construction.

  • From Shares to Property: A Diversified Portfolio

    A financial advisor recognised the potential in diversifying their investments. Through an SMSF Loan from Shire, they added a commercial property to their portfolio, which was previously dominated by shares.

    This strategic move diversified their investment risks and opened up new avenues for income generation.