Asset & Equipment Finance
From vehicles to heavy machinery — flexible funding solutions to get the right equipment for your business, without tying up property as security.
Up to 100% Finance
Access up to 100% funding on new and used plant and equipment — minimising your upfront capital outlay so you can invest where it matters.
No Property Security Required
Keep your business lending completely separate from personal assets. Our asset finance is structured against the equipment itself, not your home.
Cashflow-Friendly Repayments
Flexible repayment options that can be seasonally adjusted to suit your business cashflow cycles — with absolutely no hidden surprises.
Equipment & Vehicles We Finance
Whatever your business needs — single purchase or full fleet — we can structure the right finance solution around it.
Commercial Vehicles
Trucks, vans, utes, and full fleet acquisitions for transport, logistics, and trade operations.
Earthmoving & Civil
Diggers, excavators, rollers, loaders, and all heavy civil construction machinery.
Agricultural Equipment
Tractors, harvesters, irrigation systems, and specialised rural machinery for farming operations.
Factory & Manufacturing
CNC lathes, specialised factory equipment, production lines, and industrial processing machinery.
Electric Vehicles
EV passenger vehicles, electric commercial vans, and zero-emission fleet transitions for forward-thinking businesses.
Specialist & Trade Tools
Cranes, forklifts, woodworking equipment, and niche trade-specific tools and machinery.
How Asset Finance Works
A simple, fast process from enquiry to equipment delivery — structured around your business timeline.
Tell Us What You Need
Share the details of the vehicle or equipment you're looking to finance — new or used, single asset or full fleet. We'll discuss your budget and business requirements upfront.
We Structure Your Finance
Our team builds a tailored finance package around your cashflow profile — including flexible terms, seasonal adjustments, and transparent pricing with no hidden fees.
Fast Approval & Funding
Once approved, funds are deployed quickly so you can secure your equipment without delay. We handle the paperwork — you focus on running your business.
Why Finance Through AML Commercial?
Expert solutions designed to keep your business moving — without the constraints of traditional bank lending.
Clear & Transparent Pricing
Every cost is laid out upfront from day one. No ambiguous fee schedules, no balloon surprises buried in fine print — just honest, straightforward finance terms you can plan around.
Fast Access to Funding
When an equipment opportunity arises, timing matters. Our streamlined approval process and flexible terms mean you can move quickly to secure the assets your business needs.
Protect Your Personal Assets
No property security required. We structure finance against the equipment itself, keeping your personal and business assets completely separated and protected.
Seasonal Cashflow Adjustments
Business income doesn't always flow evenly. Our repayment structures can be adjusted seasonally to match your revenue cycles — ideal for agricultural, construction, and trade businesses.
Frequently Asked Questions
Common questions about our asset and equipment finance solutions.
What types of equipment can I finance?
We finance a wide range of business assets including commercial vehicles, trucks, earthmoving machinery, agricultural equipment, factory and manufacturing tools, electric vehicles, forklifts, and specialist trade equipment. Whether you're purchasing new or used, single items or a full fleet, we can structure a solution.
Do I need to provide property as security?
No. Our asset finance is secured against the equipment itself, not your home or investment properties. This keeps your business lending entirely separate from your personal assets, giving you clearer financial boundaries and greater flexibility.
Can repayments be adjusted to suit seasonal income?
Yes. We understand that many businesses — particularly in agriculture, construction, and trades — have fluctuating revenue cycles. We can structure repayment schedules with seasonal adjustments so your finance commitments align with your actual business cashflow.
How quickly can I get approved?
Our approval process is built for speed. Once we receive your application details and supporting documentation, we work to deliver indicative terms promptly so you can move quickly on the equipment you need.
Can I finance used equipment?
Absolutely. We provide finance for both new and used plant, vehicles, and equipment. Used asset finance is assessed on the current market value and condition of the equipment along with your business profile.
Ready to Finance Your Next Asset?
Whether it's a single vehicle or an entire equipment fleet, get in touch and we'll structure the right solution for your business.
- Finance available for new and used vehicles, plant, and equipment.
- Up to 100% funding — minimise upfront capital requirements.
- No property security required — lending secured against the asset.
- Flexible, cashflow-friendly repayments with seasonal adjustment options.