Ventas Asset Lending
The Ventas blog
Plain-English guidance on financing equipment, vehicles, and assets for Australian businesses. Structures, tax, approvals, and the things lenders actually look for.
Common reasons asset finance gets declined (and how to avoid them)
Why asset finance applications get knocked back in Australia, and how to avoid it. A broker lists the common reasons and the fixes before you apply.
Refinancing an equipment loan: when it is worth it
When refinancing an existing equipment or asset loan makes sense in Australia: better rate, freeing up cash, or consolidating. A broker explains the trade-offs.
How long does asset finance take to approve and settle?
How fast asset finance moves in Australia: approval timeframes, settlement, what speeds a deal and what slows it. A broker sets realistic expectations.
Asset finance vs a business loan: which is right?
Asset finance or an unsecured business loan? A broker explains the difference, the cost, and which suits buying equipment versus funding working capital.
New vs used equipment finance: what changes
Financing new vs used equipment in Australia: how term, rate and age limits differ. A broker explains what to expect for each and how to choose.
Do I need a deposit for asset finance?
Many asset finance deals settle with no deposit. A broker explains when a deposit is needed, when it is not, and how it affects your rate and approval.
How much can I borrow for equipment finance?
What sets your borrowing limit for equipment finance in Australia: asset-backing, time in business, the asset, and low-doc ceilings. A broker explains.
Sale and leaseback: how to free up cash from equipment you own
Asset-rich but cash-tight? Sale and leaseback turns equipment you already own into working capital. A broker explains how it works and the catches.
Can you get asset finance for a new business or start-up?
New ABN and no financials? You can still get asset finance. A broker explains what lenders weigh up and how to give a start-up deal its best shot.
Balloon payments on a car or equipment loan: how they work
A balloon payment lowers your monthly repayments but leaves a lump sum at the end. A broker explains the trade-off and how to size one.
Low-doc asset finance: how it works and what you need
No financials? Low-doc asset finance can still get you approved. A broker explains what lenders want, who qualifies, and the trade-offs.
Can you claim the instant asset write-off on financed equipment?
Yes, you can usually claim the instant asset write-off on financed gear. A broker explains the $20,000 rule, the catch, and how finance fits in.
Got property equity? It could fund your business
Own property with equity? Property-backed business lending gets you more funding at sharper rates than unsecured. The short version, from a broker.
Chattel mortgage vs finance lease vs hire purchase: which suits your business
Chattel mortgage, finance lease, or hire purchase for your business asset? A broker's plain-English guide to ownership, GST, tax, and which to choose.
Asset finance in Australia: the complete guide for business owners
How asset finance works in Australia: structures, what lenders look for, tax, timeframes, and how a broker gets you the right deal. A plain-English guide.
Business equipment finance structures: which one suits you
Chattel mortgage, lease, hire purchase or operating lease? A broker's guide to the finance structures behind every business equipment deal in Australia.
How to get approved for asset finance in Australia
What lenders look for, the documents you need, and how to give your asset finance application its best shot. A broker's plain-English approval guide.
Asset finance and tax in Australia: write-offs, GST and depreciation
How financed assets are treated at tax time: the instant asset write-off, GST timing, depreciation and balloons. A broker's plain-English guide. Confirm with your accountant.
Financing equipment and vehicles: how lenders treat each asset type
Trucks, excavators, forklifts, vehicles, medical and hospitality gear all finance differently. A broker's guide to how lenders treat each asset type in Australia.
Finance for cafes and restaurants: fit-outs, equipment and vehicles
How hospitality businesses finance kitchen equipment, fit-outs and delivery vehicles in Australia. What lenders fund easily, what is harder, and how to structure it.
Owner-operator truck finance: getting your own rig on the road
How owner-operators finance a prime mover, rigid or trailer in Australia. Low-doc options, repayments around freight income, and what lenders want to see.
Tradie finance: utes, tools and equipment for your business
How tradies finance a work ute, trailer, tools and equipment in Australia. Low-doc options, the instant asset write-off, and how to keep cash in the business.
Medical and dental practice finance: equipment and fit-outs
How medical and dental practices finance equipment, chairs, imaging and fit-outs in Australia. Why lenders like the sector, and how to structure the deal.