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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What are the types of mortgages?

There are several types of mortgages available to borrowers, each with its own features and benefits. The most common types include:

  • Fixed-Rate Mortgage: The interest rate remains the same throughout the life of the loan.
  • Adjustable-Rate Mortgage (ARM): The interest rate may change at specified times, usually resulting in lower initial payments.
  • Interest-Only Mortgage: The borrower pays only the interest for a certain period, after which they begin paying off the principal.

Choosing the right type of mortgage depends on individual financial situations and long-term goals.

What is a good interest rate?

A "good" interest rate is more than just the lowest number. The most competitive loan package is one that has a great rate combined with the right features (like an offset account), low fees, and a lender policy that suits your circumstances. Our job is to compare options from over 60 lenders to find the loan that offers the best overall value for you.

What is a rate lock?

A rate lock is an agreement between a borrower and a lender that guarantees a specific interest rate for a set period. This can protect borrowers from rising interest rates while they complete the mortgage process.

Benefits of Rate Locks

Locking in a rate can provide peace of mind and help borrowers budget their monthly payments more accurately.

What is a residual amount?

A residual amount, also known as a 'balloon payment', is a lump sum payment due at the end of a loan term, most commonly used in car and equipment finance. By setting a residual amount, your regular monthly repayments during the loan term are lower, which can assist with business cash flow.

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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