Keep the asset off your balance sheet while still using it day-to-day. Finance lease suits businesses that want to preserve cash, upgrade regularly, or aren't focused on ownership.
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In a city the size of Stirling, the businesses that win are the ones that move when the opportunity is there. Ventas Asset Lending exists to make sure finance isn't the thing holding you back.
Want the detail first? Our finance lease guide sets out the structures, rates and what you need to apply.
Managing a fleet means constant capital decisions. We help businesses across Australia structure vehicle and transport finance that doesn't tie up working capital.
We deal directly with lenders, no aggregators, no extra margin. Every application goes to the lenders most likely to approve it at the best rate for your deal.
The difference is ownership. Under a chattel mortgage you own the asset from day one and the lender holds security over it. Under a finance lease the lender owns the asset and you pay to use it, with a residual decision at the end of the term.
Most Australian businesses buying vehicles or equipment use a chattel mortgage, because owning the asset suits how they actually use it. A lease earns its place where equipment is replaced on a cycle rather than kept, or where the accounting treatment suits the business better. Rates are broadly comparable; the structure is the real decision, and the tax treatment differs enough that it is worth a conversation with your accountant rather than a guess.
Our chattel mortgage guide sets out the comparison properly, including the honest disadvantages of each.
Stirling businesses use finance lease to fund all kinds of assets. Below are the most common, if yours isn't listed, get in touch. We've probably funded it before.
Fill in the form above and a Ventas partner will come back to you directly. We'll understand your deal, go to our lender panel, and come back with the best available option. If you proceed, we handle everything through to settlement, no cost to you. We're paid by the lender when your loan settles.
Finance Lease in Stirling doesn't need to be complicated. Most of our Stirling clients have an approval in 48 hours and settle within the week.