Business finance
Finance the assets that grow your business
Utes, trucks, excavators, tractors, CNC machines, fit-outs and working capital. Commercial finance structured around how your business actually earns.
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Where would you like to start?
Vehicles & Trucks
Truck finance, trailer finance and commercial vehicle finance Australia-wide. Prime movers, tippers, truck and dog, utes, vans and fleet. 65+ lenders.
ExploreEarthmoving & Construction
Excavator finance, mini excavator, skid steer, dozer, grader and attachment finance across Australia. Yellow goods funded from a 65+ lender panel.
ExploreCranes, Access & Material Handling
Finance for mobile cranes, frannas, scissor lifts, boom lifts, forklifts and telehandlers across Australia. Subject to lender policy.
ExploreEquipment & Machinery
Equipment and machinery finance for Australian businesses — CNC, workshop, manufacturing, hospitality, medical and technology assets from 65+ lenders.
ExploreAgriculture
Tractor finance, harvester, header, baler, irrigation and farm technology finance across Australia. Seasonal structures where lender policy permits.
ExploreBusiness Loans
Business loans for expansion, acquisitions, refinance and project costs. Australian SME funding from a 65+ lender panel, subject to assessment.
ExploreWorking Capital
Working capital and cash flow finance for Australian businesses — seasonal gaps, supplier payments, tax obligations and unexpected costs.
ExploreFit-Out & Expansion
Fit-out finance for medical, dental, retail, hospitality, gym, warehouse and workshop projects. Structure depends on the project mix.
ExploreHow we think about commercial finance
Finance built around how your business actually earns
Commercial finance is a business conversation before it is a lending conversation. What the asset does, when it earns and how it sits against your cash flow matters more than any single number on a quote.
We start with the business, not the product
Before we talk structure we want to understand how the business earns, where the pressure sits in the cycle and what the asset is actually meant to do. The finance follows the business — not the other way around.
Structure matters as much as rate
Term, balloon or residual, deposit, security and repayment timing all change how a facility feels month to month. A slightly different structure can matter more to cash flow than a small difference in rate.
Cash flow is the real constraint
Most businesses are not short of opportunity — they are short of working capital at the wrong moment. We look at how a repayment sits against seasonality, debtor terms and existing commitments.
Built for how businesses buy
Dealer, private sale, auction, progress payments, imported plant, staged fit-outs and multiple assets in one facility. We deal with these every week and know what each lender will want to see.
Growth, not just replacement
Additional plant, a second crew, a new site, an acquisition or bringing work in-house. We are just as comfortable funding expansion as replacing an ageing asset.
Straight answers on placement
If a facility does not stack up yet, we will say so and explain what would need to change. Every option remains subject to lender assessment and individual circumstances.
Structure considerations
The things worth thinking about before you sign
What follows is general information about how commercial facilities can be structured. What applies to your business depends on your entity, the asset, the lender and advice from your own accountant.
Capital purchase or usage-based
Some businesses prefer to own the asset outright over time; others prefer a facility that behaves more like an operating cost with a defined end value. Which is appropriate depends on how long you intend to hold the asset, expected utilisation and your own accounting position.
Balloons and residuals
A balloon or residual can reduce the periodic repayment but increases the amount owing at the end of term and can increase total cost. Availability and limits vary by lender, asset type and age.
GST and the purchase price
Where a business is registered for GST, the treatment of GST on the purchase and on the facility can differ between products. This is a matter for your accountant or tax adviser based on your registration and reporting position.
Depreciation and deductibility
Depreciation, interest deductibility and any concessions that may apply are determined by tax law and your circumstances — not by us. We are happy to provide the finance detail your adviser needs to form a view.
Term matched to the asset
Lenders generally look for a term that reasonably reflects the useful life of the asset. Longer terms lower repayments but increase total interest; acceptable terms vary by asset type, age and lender policy.
Seasonality and repayment timing
Where a business has a genuine seasonal pattern, some lenders may consider structures that reflect it. Availability is not universal and is subject to assessment.
Working with your adviser
We work alongside your accountant, not around them
Your accountant knows your numbers and your tax position. We know lender policy and how facilities are structured. The best outcomes happen when both sides are in the same conversation — and we are happy to have it directly with them.
- We are happy to speak directly with your accountant, bookkeeper or adviser (with your permission)
- We provide the facility detail, structure options and figures your adviser needs to form a view
- We do not provide tax, accounting, legal or investment advice
- We will not push a structure your adviser is not comfortable with
- Where a deal has an existing broker or adviser relationship, we work alongside it rather than around it
Information about accounting, tax, GST, depreciation or deductibility is general in nature only and does not take your circumstances into account. Finsterl Finance is not an accountant, tax agent or financial adviser and does not provide tax, accounting, legal or financial product advice. Please obtain advice from your own qualified adviser before making a decision. All finance is subject to lender assessment, eligibility criteria, terms and conditions.
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