Find out what you can finance before you talk to anyone.
Asset finance for trades and transport. 90 seconds, no credit check, no phone call until you want one.
What you need
- No credit check to enquireNothing touches your credit file until you choose to apply.
- 49 lenders, not one bank's listLow-doc on BAS and bank statements where it fits.
- Conditional approval typically in 24–48 hoursMost deals settle inside 3–7 days after that.
“My family builds trailers. I finance the gear that pays for itself.”
Rabi Alam · Asset Finance Broker, Emu Money · Williams Landing, VIC
The panel
49 lenders. One enquiry.
A bank can only offer you its own products. I compare the panel and take your deal to the lenders most likely to say yes.
Lenders shown are on the Emu Money panel. Emu Money does not compare all lenders, products, or issuers available in Australia. Which lenders suit you depends on your circumstances and each lender's credit criteria.
What I finance
Asset finance for utes, trucks and machinery.
If it earns on site, on the road or on the factory floor, there's usually a lender for it. New or used, dealer or private sale.
Utes & vans
Tray-backs, dual cabs, service bodies, work vans
New or used, dealer or private sale. Canopies and fit-outs can often go in the same loan.
Utes & vans financeTrucks & trailers
Tippers, prime movers, tray trucks, plant and box trailers
Trailers are my family's business, so I know them from the factory floor too.
Trucks & trailers financeExcavators & yellow goods
Excavators, mini diggers, skid steers, loaders, rollers
Usually secured against the machine itself, and attachments can often be included.
Excavators & yellow goods financeForklifts & factory equipment
Forklifts, conveyors, CNC, press brakes, racking
Warehouse and workshop gear, new or used, from a dealer or at auction where the lender allows.
Forklifts & factory equipment financeCars & fleet vehicles
Work cars, fleet vehicles, caravans, motorbikes
Business use through your ABN, or personal. The form asks which.
Cars & fleet vehicles financeWorkshop & fit-outs
Welders, compressors, workshop fit-outs, solar, IT
If it earns money for the business, ask. I'll tell you straight if it's financeable.
Workshop & fit-outs finance
Recently settled
Real deals, shared with the client's permission.
- Placeholder: remove before launch
Needs: Real settled deal #1 from Rabi: asset, amount financed, days from enquiry to settlement
- Placeholder: remove before launch
Needs: Real settled deal #2 from Rabi: asset, amount financed, days from enquiry to settlement
- Placeholder: remove before launch
Needs: Real settled deal #3 from Rabi: asset, amount financed, days from enquiry to settlement
- Placeholder: remove before launch
Needs: Real settled deal #4 from Rabi: asset, amount financed, days from enquiry to settlement
How it works
How asset finance works, from first tap to keys in hand.
- 0:00
Tell me what you need
A few quick taps on your phone. No credit check, no documents, no call until you want one.
- <60 min
I call you
In the window you picked, during business hours. You'll know on that call whether it's a yes, a maybe or a no.
- 24–48h
Your deal, panel-shopped
I take it to the lenders on my panel of 49 that fit, and come back with a conditional approval.
- 3–7 days
Settled
Sign the docs, the supplier gets paid, the machine goes to work.
If I can't help, you'll know on the first call, not after three weeks of paperwork.
Times are typical, not guaranteed. They depend on your documents, the lender and the supplier. Read the full process
Broker vs bank
Why a broker gets deals a bank won't.
Your bank assesses you against one credit policy. I match your deal to the lender whose policy already fits it.
| Feature | Your bank | Rabi |
|---|---|---|
| Trading history | Your bank: Two years of tax returns | Rabi: Low-doc on BAS and bank statements |
| Lenders compared | Your bank: One, their own | Rabi: 49 |
| How you're assessed | Your bank: Consumer credit scoring | Rabi: BAS, bank statements, the asset itself |
| Conditional approval | Your bank: Often a week+ | Rabi: Typically 24–48 hours |
| Private sales | Your bank: Frequently declined | Rabi: Yes, with PPSR and a sale agreement |
| Fees and commission | Your bank: Built into their own product | Rabi: Any broker fee and lender commission disclosed in writing before you apply |
General comparison only. Individual banks' policies vary, and all finance is subject to lender approval and credit criteria. Emu Money does not compare all lenders, products, or issuers available in Australia.
The cost of waiting
The machine you don't have is already costing you.
Days off the job, work subbed out, quotes you can't take on. Put in your own numbers and compare it with a repayment.
Your numbers
Examples to start. Change them to yours.
After materials and fuel
Days a week you lose without the machine
Waiting on hire, subbing out, jobs turned down
| Going without it for | Work you lose | Repayments instead | Difference |
|---|---|---|---|
| 1 week | $800 | $294 | $506 more lost |
| 2 weeks | $1,600 | $588 | $1,012 more lost |
| 1 month | $3,467 | $1,275 | $2,192 more lost |
| 3 months | $10,400 | $3,824 | $6,576 more lost |
| 6 months | $20,800 | $7,649 | $13,151 more lost |
Illustration only, using the figures you enter. It is not a prediction of your income or a quote, approval or offer of credit.
Repayment calculator
What would asset finance cost a month?
Four numbers. A ballpark monthly repayment. Nothing else.
Loan amount
Deposit or trade-in
Interest rate (p.a.)
Enter a rate to test. Your actual rate depends on you, the asset and the lender. I'll give you a real one after a short chat.
Loan term
Estimated monthly repayment
$1,275
on $60,000 over 60 months at 10.00% p.a.
Indicative only. Not a quote, approval or offer of credit. Assumes equal monthly repayments with no balloon, residual or fees.
Needs: Real photos: Rabi on site with a financed machine, and the family trailer factory. Phone photos are fine.
- Mobile
- 0482 540 449
- Hours
- Mon–Fri 10:00am – 8:00pm. Closed weekends.
- Based
- Williams Landing, VIC · serving Australia-wide
Meet your broker
I grew up on the factory floor, not behind a bank desk.
I've been around small business my whole life. My dad ran multiple companies, so I grew up seeing what it really takes to back yourself, manage risk and push through when things get tight.
My family builds trailers, and I'm still involved in that business today. I see the everyday pressure around cashflow, equipment and growth up close.
Before broking I spent many years in automotive sales, and I've now been in finance and broking for more than four years. Whether it's a ute, a truck, a trailer or a machine, I structure finance that works in the real world, not just on paper.
I keep it simple: a straight conversation about where you're at and how to get you where you want to be. Outside work I'm into cars, Formula 1, cricket, NRL, travel and staying fit.
Rabi
- 4+ years in finance & broking
- Years in automotive sales
- Family trailer manufacturing business
- Emu Money panel of 49 lenders
- Williams Landing, VIC · Australia-wide
Reviews
What clients say about Emu Money.
Emu Money, the brokerage I work with, is rated 5.0 from 200+ Google reviews.
These are Google reviews of Emu Money as a whole. Most name other Emu Money brokers. They're here because they're about the same team and process I work with, not about me personally.
FAQs
Straight answers about asset finance.
The questions I get asked most about asset finance. Anything else, call or text me.
Reviewed by Rabi Alam · 14 September 2026
0482 540 449Asset finance is a loan secured against the vehicle or equipment you're buying, repaid in monthly instalments over a term that suits the asset.
It covers utes and vans, trucks and trailers, excavators and other yellow goods, forklifts and workshop equipment. Because the lender takes security over the asset, approval can lean on the machine and the deal rather than your financials alone.
You need an active ABN to apply for business asset finance, but a newly registered ABN doesn't automatically rule you out.
How long your ABN has been registered changes which lenders will look at the deal and what they'll ask for. A newer ABN may mean a deposit, a clean credit file or evidence of experience in your trade. I check it against the ABR when you enquire, so we start from the real registration date.
Source: ABR business registration lookup
Not always. Low-doc asset finance is commonly assessed on BAS statements and business bank statements instead of full tax returns.
Larger loans, some asset types and some lenders will still ask for financials. I'll tell you on the first call exactly which documents your deal needs.
No, enquiring doesn't involve a credit check, so nothing is recorded on your credit file.
A credit enquiry only happens if you decide to apply with a specific lender, and I'll tell you before that happens.
Source: MoneySmart on credit scores
Enquiries start from any amount, but asset finance is usually best value from around $10,000 upwards.
Below that, a dedicated asset loan often isn't the cheapest way to buy, and I'll say so honestly if something else suits you better.
Conditional approval typically comes back in 24–48 hours once I have what the lender needs, and many deals settle within 3–7 days.
The biggest variables are how quickly documents come back, the supplier's paperwork and, for private sales, the PPSR check and inspection.
Every cost is disclosed in writing before you apply: any broker fee is set out in your Credit Quote, and any commission the lender pays is set out in your Credit Proposal.
Lender fees such as application or valuation fees are shown up front too. Ask me on the first call and I'll tell you exactly what applies to your deal and how it's worked out.
Source: Emu Money Credit Guide
For most business asset finance, yes. Lenders generally look for an ABN that is registered for GST.
The enquiry checks your GST status against the Australian Business Register. If you're not registered yet, send the enquiry anyway and I'll tell you plainly what options there are.
Source: GST on the ATO website
Yes, vehicles and equipment bought from a private seller can be financed, subject to a PPSR check and a written sale agreement.
Some lenders also want an inspection or proof the seller owns the asset outright. I'll handle the PPSR and walk you and the seller through the rest.
Source: PPSR register
No, the enquiry form tells me what you need, and I call in the time window you choose, not before.
If you'd rather skip the form, you can call or text me on 0482 540 449, or book a 30-minute call straight into my calendar.
Find out what you can finance. Then decide if you want to talk.
A few quick taps. No credit check. I'll call in the window you pick.
Mon–Fri 10:00am – 8:00pm. Closed weekends.
What you need