Borrowmax

Equipment Financing

Preserve Working Capital While Upgrading Crucial Assets

Upgrade your operations, purchase quality machinery, or scale your transport fleet with Borrowmax Asset Financing. We help businesses and sole traders secure vehicles, construction machinery, healthcare equipment, and technology assets without tying up vital cash reserves or interrupting daily operations. We tailor each lease agreement to match your monthly cash flow cycles, including seasonal adjustments for agriculture and tourism operators.

Purchasing expensive machinery or business vehicles outright can put a strain on your company's working capital. Asset financing allows you to pay for the equipment as it generates revenue for your business. We construct chattel mortgages and hire purchases that protect cash reserves while releasing immediate tax depreciation benefits.

Asset Financing

Eligible Assets

Equipment & Assets We Fund

Commercial Fleets
Manufacturing Plant
Earthmoving & Diggers
Office IT Systems
Asset Financing Structures

Acquisition Paths

Tax and Ownership Structures

We work alongside your business accountant to structure agreements that maximize depreciation benefits, cash flow efficiency, and balance sheet performance.

Chattel Mortgage

Retain immediate ownership of the asset from day one, allowing you to instantly claim tax depreciation and upfront GST credits.

Commercial Hire Purchase (CHP)

Secure the equipment immediately. The lender retains ownership during the term, transferring it to your business upon the final payment.

Finance Lease Agreements

The lender purchases the asset, leasing it to your enterprise for fixed monthly rentals, with option to buy for residual values at term end.

Asset FAQ

Frequently Asked Questions

  • What is the difference between a Chattel Mortgage and a Lease?

    With a Chattel Mortgage, your business takes title definition of the asset on settlement, using it as security for the loan. With a Finance Lease, the lender owns the asset and leases it back to you for monthly fees, offering different tax and balance sheet configurations.

  • Can sole traders secure asset financing?

    Yes. Sole traders can obtain chattel mortgages or leases, provided the acquired asset is used primarily for income-generating business operations (typically greater than 50% business use).

  • Can I finance second-hand machinery?

    Yes. Borrowmax finances both new and used machinery and vehicles, whether acquired via commercial dealerships or private sale matching audits.

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We Approve Loans

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