Unlock Cash from Your Business Assets
Access up to 70% of your asset value without selling. No credit checks, no property security, no financial statements required. Same day funding available.
Key Features
No Credit Checks
Approval based on asset value, not credit history
No Property Security
Use business assets instead of real estate
Same Day Settlement
Fast funding when you need it most
Keep Using Assets
Track It option lets you continue operating
Asset Based Lending Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Health Food Business Acquires Premises
The Scenario
Self-employed business owners operating a health food manufacturing company for 20+ years wanted to purchase their leased premises from the landlord.
The Challenge
Most lenders would only offer 70% LVR on commercial property, requiring a substantial deposit the owners did not have readily available.
The Solution
A specialist lender was identified willing to extend to 80% LVR based on the strong trading history and long-term lease arrangement, with a 15-year term and 5-year interest-only period.
The Outcome
The owners now pay approximately $2,000 less per month in loan repayments compared to their previous rent, freeing up cash flow for business growth.
$1M
Loan Amount
80%
LVR Achieved
$2,000
Monthly Savings
SMSF Industrial Property Purchase
The Scenario
A husband and wife with approximately $400,000 in their self-managed super fund wanted to diversify into commercial property.
The Challenge
Finding a lender that accepts commercial property security within an SMSF structure while meeting the strict 25% contribution requirements.
The Solution
A specialist SMSF lender comfortable with industrial property was sourced, with the loan structured to maximise the fund's purchasing power.
The Outcome
The couple successfully purchased an industrial property with loan repayments coming in lower than the rental income, boosting their super returns.
$400K
SMSF Balance
Industrial
Property Type
Positive
Cash Flow
Working Capital for Established Business
The Scenario
A NSW-based packaging company with nearly 50 years of trading history required working capital to fund a major contract.
The Challenge
The business needed quick access to funds without disrupting existing banking relationships or providing personal property as security.
The Solution
A short-term commercial facility was arranged, secured against business assets with a 3-month term at 65% LVR.
The Outcome
The business secured the working capital within 2 weeks, fulfilled the contract, and repaid the facility on time.
$910K
Facility Size
3 months
Term
65%
LVR
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
“The experience was straightforward - nothing was too difficult and any request was handled promptly by Nick.”
Gabi Y.
Home Loan
“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”
Nayer G.
Investment Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationThree Flexible Funding Options
Park It: Store your asset in a secure, insured facility and receive up to 70% of its forced sale value. This option typically offers the fastest approval and maximum advance.
Track It: Keep using your asset with GPS tracking installed. Ideal for businesses that need continued access to vehicles, machinery, or equipment while accessing working capital.
Sell It: For assets you are ready to part with, a consignment sale arrangement can unlock value while we manage the sale process.
Eligible Assets
We accept a wide range of valuable business assets including vehicles and transport equipment, heavy machinery, manufacturing equipment, boats and marine assets, inventory and stock, artwork and collectibles.
The key requirements are that the asset is physical, valuable, and unencumbered (or mostly paid off). Ownership must be clear - whether in your name, your business, or a family member.
When Asset Based Lending Makes Sense
Asset based lending is ideal when you need fast access to capital without the delays of traditional lending. Common use cases include covering ATO debt or BAS shortfalls, bridging payroll gaps, paying suppliers, managing seasonal cash flow, or funding urgent working capital needs.
Because approval is based on asset value rather than credit history or financial statements, this option works well for businesses that may not qualify for traditional bank finance.
Discuss Your Asset Based Lending Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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