Best Asset Finance Options & Rates Comparison Australia

As a finance broker with over 22 years of experience helping Australian businesses and families grow their wealth, I’ve seen firsthand how the right asset finance can transform operations. Whether you’re outfitting your Gympie farm with new machinery, expanding your Toowoomba business with commercial vehicles, or upgrading equipment in Bundaberg, asset finance is a game-changer. It allows you to acquire essential assets without draining your cash reserves—spreading the cost over time while keeping your business moving forward.

At Finance Finance Finance, we’ve been securing funding for assets, properties, and more since 2012. Servicing the south-east corner of Queensland—from Brisbane to the Darling Downs, Childers, Kingaroy, and beyond—we partner with Australia’s top lenders to find tailored solutions. In this detailed guide, we’ll break down the best asset finance options available in 2025, compare current rates, and share tips to help you choose wisely. Ready to finance smarter? Let’s dive in.

What is Asset Finance, and Why Does It Matter in 2025?

Asset finance is a specialized form of business lending designed to help you purchase or lease physical assets like vehicles, machinery, equipment, IT hardware, or even solar panels. Unlike traditional business loans, the asset itself acts as security, which often means lower interest rates and more flexible terms. In 2025, with economic recovery post-inflation and a surge in business investments, asset finance new business has grown by 11% year-over-year. The average loan amount hovers around $73,000 for vehicles and equipment, but can climb to $668,000 for larger acquisitions like business expansions.

Why now? Interest rates have stabilized, with the RBA cash rate influencing variable rates to sit between 6-15% p.a. for most options. For Queensland businesses, tax incentives like instant asset write-offs (up to $20,000 for small businesses) and GST credits make 2025 an ideal time to invest. But with so many choices, comparing options is key to avoiding high fees or mismatched terms.

Top Types of Asset Finance Options in Australia

Australia’s asset finance landscape offers three main structures, each suited to different needs. Here’s a quick overview:

Type	Description	Best For	Ownership & Tax Perks
Chattel Mortgage (Asset Loan)	You borrow to buy the asset outright; lender secures it on the Personal Property Securities Register (PPSR). Optional balloon payment at end.	Businesses wanting immediate ownership and flexibility.	Full ownership from day one. Deduct interest; claim GST upfront; depreciate asset.
Finance Lease	Lender buys and leases the asset to you; you have use and most benefits, but they hold title until end.	Medium-term funding with ownership option.	Residual payment to own at end. Deduct lease payments & GST; potential depreciation.
Operating Lease	Rental-style lease with fixed payments (often including maintenance). No ownership at end—return or renew.	Short-term needs or off-balance-sheet funding.	Deduct full payments & GST. No ownership risk, but no equity buildup.

Source: Based on 2025 market data from leading comparison sites.

Chattel mortgages are the most popular for Queensland SMEs due to their simplicity and tax advantages, especially for vehicles and machinery. Operating leases shine for tech-heavy assets like IT equipment, where rapid obsolescence is a factor.

2025 Asset Finance Rates Comparison: What’s on Offer?

Rates in 2025 start as low as 6.29% p.a. for strong applicants but can reach 15% for higher-risk or specialized assets. Factors like your business credit score, asset type (new vs. used), and loan term play a big role. Secured options (asset-backed) typically beat unsecured rates by 1-2%.

Here’s a comparison of indicative rates from top Australian providers for a $100,000 machinery/equipment loan (terms 1-5 years, variable rates as of November 2025). These are snapshots—actual rates depend on your application.

Provider	Type Options	Interest Rate (p.a.)	Min/Max Loan Amount	Term Length	Key Features
Group And General	Chattel Mortgage, Lease	6.39% – 10.89%	$10k – $350k	1-5 years	Fast approvals; low-doc options.
ScotPac	All types	6.50% – 14.85%	$10k – $4m	1 month – 30 years	High limits; flexible for startups.
Resimac	Chattel Mortgage, Lease	6.64% – 13.59%	$5k – $450k	1-7 years	Balloon payments up to 40%.
Dynamoney	Chattel Mortgage, Lease	6.69% – 19.40%	$2k – $1m	6 months – 7 years	Quick funding (24 hours); online app.
Flexicommercial	All types	6.85% – 13.90%	$10k – $750k	Up to 7 years	Tailored for commercial vehicles.
Angle Finance	Chattel Mortgage, Lease	6.99% – 16.95%	$5k – $500k	3-7 years	Second-hand assets accepted.
Metro Finance	Chattel Mortgage	7.15% – 9.20%	$10k – $300k	2-5 years	Competitive for QLD businesses.
Westpac	All types	7.20% – 10.01%	$15k – $650k	Varies	Big-bank security; bundled services.
Azora Finance	Lease, Chattel Mortgage	7.30% – 16.24%	$1k – $250k	Varies	Low entry barriers for small biz.
Branded Financial	Chattel Mortgage, Lease	7.45% – 11.55%	$5k – $250k	1-7 years	Focus on asset growth funding.

Rates based on strong credit profiles; includes comparison variable rates. Subject to change—always verify with providers. For context, the average small business loan rate sits at 7.33% p.a. as of late 2025.

Pro Tip from Sharyn: If you’re in Queensland, look for lenders with regional expertise—many of our partners at Finance Finance Finance offer rates under 8% for local agribusiness or construction assets.

Customer Satisfaction: Who Stands Out in 2025?

According to Canstar’s 2025 Most Satisfied Customer Awards for Asset Finance, providers excelling in service, value, and ease include those with streamlined digital applications and responsive support. Winners emphasize transparency and quick turnaround—qualities we prioritize in our lender matches. For instance, brokers like us can access award-winning options without you shopping around.

Key Factors to Consider When Choosing Asset Finance

Not all rates tell the full story. Here’s what to weigh:

1. Your Business Profile: Newer businesses may qualify for low-doc options (just ABN and revenue proof), but expect 1-2% higher rates. Established QLD firms with clean credit score the best deals.
2. Asset Type and Condition: New vehicles or machinery get lower rates (6-8%); used assets push to 10-15%. We specialize in funding everything from tractors to office fit-outs.
3. Repayment Flexibility: Opt for balloon payments (20-40% residual) to lower monthly costs, but plan for the lump sum. Terms range from 6 months (short-term) to 7 years.
4. Fees and Charges: Watch for establishment fees ($500-$2,000), monthly service fees, and early payout penalties. Compare total cost, not just interest.
5. Tax Implications: Consult the ATO—chattel mortgages often allow immediate GST claims, boosting cash flow.
6. Sustainability Angle: In 2025, green assets like solar or EVs qualify for lower rates from eco-focused lenders.

At Finance Finance Finance, we crunch these numbers for you, ensuring cost-effectiveness and alignment with your goals.

Why Partner with a Broker Like Finance Finance Finance?

Navigating 70+ lenders solo? It’s time-consuming and risky. As your local Brisbane-based broker, we:

• Respond in 2 Hours: During business hours, get personalized advice fast.
• Access Exclusive Rates: Our partnerships unlock deals not available direct—often 0.5-1% below market.
• Tailor to You: With 25+ years combined experience (mine plus our team’s), we match solutions to your Darling Downs dairy farm or Bundaberg manufacturing setup.
• Full-Service Care: From application to settlement, we’re with you—like family, not a faceless bank.

We’ve funded hundreds of assets since 2012, from cars to commercial property. “Sharyn made asset finance feel simple—secured our new fleet at 6.8%, saving us thousands,” says one Toowoomba client.

Ready to Secure the Best Asset Finance for Your Business?

Don’t settle for average rates—let’s find the finance that works for you. Contact Finance Finance Finance today for a free consultation. Call 07 3519 9187, emailinfo@financefinancefinance.com.au, Let’s build your wealth, one smart asset at a time.

Sharyn Ling is the founder of Finance Finance Finance, a proud Queensland broker dedicated to efficient, client-focused funding. This post is for informational purposes; rates and eligibility vary. Always seek professional advice.