Business Asset & Equipment Finance

Acquiring the right assets is essential for business growth, but it shouldn't drain your working capital. Asset finance is a smart, flexible way to fund the equipment your business needs to operate and expand. At Max Rich, we specialise in securing fast, competitive finance for a huge range of business assets.

Asset & Equipment Finance for Your Gold Coast Business

From the bustling construction sites in Coomera to the thriving hospitality scene in Burleigh Heads, every successful Gold Coast business relies on the right equipment. Whether you need a new excavator, a full café fit-out, upgraded IT hardware, or a fleet of vehicles, we can help. We act as your strategic finance partner, cutting through the complexities to quickly source funding that preserves your cash flow and supports your business's growth trajectory.

Our Streamlined Asset Finance Process

Our process is built for business owners who value speed and efficiency. We handle the details so you can get your new asset working for you, faster.

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1

Initial Needs Analysis

‍We start with a brief discussion about the asset you need to purchase and your business structure to provide a quick, indicative quote.

2

Simple & Fast Application

‍Our application process is streamlined for busy professionals. We only ask for the essential information needed to get your finance approved.

3

Matching You with the Right Lender

‍We compare a wide panel of specialist asset finance lenders to find the one offering the most competitive rates and terms for your specific industry and asset type.

4

Securing a Quick Approval

‍We understand that business can't wait. We push for a fast credit decision, with approvals often secured within 24 to 48 hours.

5

Supplier Invoice & Settlement

‍Once approved, you can sign the documents electronically. We then liaise directly with the equipment supplier, pay their invoice, and finalise the settlement.

6

Take Delivery of Your Asset

‍With the finance settled, you can take delivery of your new equipment and immediately put it to work, generating revenue for your business.

Explore your loan options & their features.

We offer a complete range of asset finance solutions, including Chattel Mortgages, Finance Leases, and Hire Purchase agreements, each with unique benefits for tax and cash flow (please consult your accountant). We can finance almost any income-producing asset for your business.

Commercial hire purchase

A Commercial Hire Purchase (CHP) is a straightforward finance agreement where a lender purchases an asset on your behalf and hires it to your business for a fixed term. Your business has full use of the asset while making regular payments.

Chattel mortgage

Commonly used by business owners and operators for car and equipment finance.  With a chattel mortgage, the asset is owned by you from the outset and the loan agreement is secured by the asset.

Finance lease

A Finance Lease is a powerful tool for Gold Coast businesses to acquire essential vehicles or equipment without any upfront capital outlay. Under this arrangement, the financier purchases the asset on your behalf, and your business leases it from them for a fixed monthly rental payment over an agreed term.

Novated lease

A Novated Lease is one of the most tax-effective ways for salaried (PAYG) employees on the Gold Coast to finance and run a vehicle. It's a simple arrangement between you, your employer, and a financier, where your car payments and all running costs are bundled into one regular deduction from your pre-tax salary.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Balloon Payment Calculator

Use the balloon payment calculator to understand the impact that a balloon payment will have on your monthly loan repayments and the total amount of interest you’ll be required to pay.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Car Loan Calculator

Find out how much your car loan repayments will be, and the total interest charged for the car loan.

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Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Frequently asked questions.

View our full FAQs
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Can you help me figure out my borrowing capacity?

Absolutely. Your borrowing capacity is a calculation of how much a lender will loan you based on your income, debts, and living expenses. While online calculators offer a rough estimate, we provide a far more accurate and reliable assessment. We will analyse your financial situation to give you a clear budget and help you secure a formal pre-approval, which is the green light you need to search for property with real confidence.

How does a mortgage work?

A mortgage works by allowing a borrower to take out a loan to buy a home, which they then repay over time with interest. The lender provides the funds, and in return, the borrower agrees to pay back the loan amount plus interest over a specified period.

Monthly Payments

Monthly payments typically include both principal and interest, and may also include property taxes and homeowners insurance. This is known as a PITI payment (Principal, Interest, Taxes, Insurance).

Understanding how these payments are structured can help borrowers manage their finances effectively.

How long does it take to close?

The time it takes to close on a mortgage can vary, but it typically ranges from 30 to 45 days. Factors that can influence this timeline include the lender's processing speed, the complexity of the loan, and the responsiveness of all parties involved.

Tips for a Smooth Closing

To ensure a smooth closing process, maintain open communication with your lender and promptly provide any requested documentation.

How much can I borrow?

Your borrowing capacity depends on several factors, including your income, financial commitments, living expenses, and the size of your deposit. While online calculators provide a rough estimate, our detailed assessment provides a much more accurate figure. We do this as part of a formal pre-approval process, so you know exactly what your budget is before you start looking.

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How to apply for a mortgage?

Applying for a mortgage involves several steps. First, gather necessary documents such as proof of income, tax returns, and credit history. Next, research different lenders and mortgage products to find the best fit for your needs.

Steps to Follow

  1. Gather financial documents.
  2. Check your credit score.
  3. Shop around for lenders.
  4. Submit your application.

Following these steps can streamline the mortgage application process.

Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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