Asset Finance

Asset Finance Solutions | Probiz Finance Melbourne – Fund Your Business Assets Today
Modern commercial buildings representing business finance
✦ Asset Finance Specialists

Finance the Assets That Drive Your Business Forward

Probiz Finance provides flexible, fast, and affordable asset finance solutions — from machinery and vehicles to technology and fit-outs. Fuel your growth without draining your cash flow.

$500M+ Assets Financed
200+ Businesses Funded
24 Hr Average Approval
98% Client Satisfaction
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10+ years of expert financial solutions
Business professionals discussing asset finance solutions
Since 2012 Trusted by 200+ Businesses

What Is Asset Finance?

Asset finance allows your business to acquire essential equipment, vehicles, or machinery without large upfront capital. Instead of paying the full cost immediately, you spread it over manageable monthly instalments — protecting your working capital while growing your capabilities.

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Preserve Working Capital

Keep your cash reserves intact for day-to-day operations and seize new opportunities as they arise.

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Flexible Repayment Terms

Choose from 12 to 84-month repayment schedules tailored to your business cash flow cycle.

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Potential Tax Advantages

Asset Finance can offer tax efficiencies - always consult your accountant for advice tailored to your situation.

Asset Finance Products Built for Business

Choose the right structure for your business. Every solution is fully customisable with competitive rates and transparent terms.

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Hire Purchase

Spread the cost of an asset over a fixed term and own it outright at the end. Ideal for businesses that want full ownership — popular for vehicles, plant and machinery.

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Equipment Finance

Access specialist equipment for manufacturing, construction, agriculture, and more. Bespoke structuring for large-ticket or bespoke assets.

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Vehicle & Fleet Finance

Finance a single commercial vehicle or an entire fleet with one streamlined facility. Competitive rates for cars, LCVs, HGVs, and specialist vehicles.

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Technology Finance

Stay ahead of the curve with the latest IT, software, and telecoms infrastructure without capital outlay. Refresh cycles aligned to your tech roadmap.

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From Application to Funding in 4 Steps

Our streamlined process gets your business the equipment it needs — fast, with minimal paperwork and zero surprises.

01 📝

Apply Online

Complete our simple online enquiry form in under 5 minutes. No obligation, no credit impact at this stage.

02 🔍

We Assess Your Needs

A dedicated relationship manager reviews your application and contacts you to discuss the best structure for your business.

03

Receive Your Decision

Most applications receive a decision within 24 hours. We have panel lenders and in-house credit to fund most asset types.

04 🚀

Fund Your Asset

Once documents are signed, funds are released directly to your supplier. You take delivery and start generating returns immediately.

We Finance Almost Any Business Asset

If it generates revenue for your business, we can likely finance it. Here are some of the most common asset categories we fund.

Construction and heavy machinery asset finance Australia
Excavators · Cranes · Lifts
Commercial vehicle and fleet finance Australia
HGVs · Vans · Fleet
Technology and IT equipment finance Australia
Servers · Software · Telecoms
Medical equipment finance Australia
Diagnostics · Surgical · Dental
Probiz Finance team meeting discussing business finance solutions
4.9★ Google Rating

Why Businesses Choose Probiz Finance

We're not a bank. We're a specialist asset finance broker with deep lender relationships, industry expertise, and a genuine commitment to your business success.

  • Access to 50+ Lenders

    We work across a panel of banks, challenger lenders, and specialist funders to find the most competitive rates for your business profile.

  • Rates From 6.99% p.a.

    Competitive, transparent pricing with no hidden fees. Your repayment schedule is fixed from day one — no nasty surprises.

  • Decisions in 24 Hours

    Fast credit decisions powered by smart underwriting. Don't let slow finance hold back your business momentum.

  • Dedicated Relationship Manager

    One point of contact from enquiry to settlement. We handle the lender relationship so you can focus on running your business.

Who Can Apply for Asset Finance?

We work with businesses of all sizes and sectors. Our flexible underwriting means we can often help where banks say no.

  • 🏢 Sole traders, partnerships, trusts, and Pty Ltd companies
  • 📅 Trading for 12+ months (start-ups considered case by case)
  • 💼 Finance amounts from $10,000 to $5,000,000+
  • 📍 Registered and trading in Australia
  • 📊 Most credit profiles considered — good or impaired
  • 🔧 New and used assets accepted across all sectors

Get Your Free Quote

No credit check. No commitment. Hear back within 2 business days.


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What Our Clients Say

Real businesses. Real results. Here's how Probiz Finance helped them grow.

★★★★★
"

Probiz Finance got us approved for three excavators in under 48 hours when our bank had kept us waiting for weeks. The rates were better than we expected and the process was completely painless. Highly recommend.

AR
Andrew Robertson
MD
★★★★★
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We needed to expand our refrigerated fleet urgently. Probiz Finance structured a bespoke operating lease that kept our balance sheet clean and monthly costs predictable. Outstanding service from start to finish.

SP
Sarah Papadopoulos
CFO
★★★★★
"

As a startup clinic, we struggled to get equipment financing. Probiz Finance found us a lender who understood healthcare and got our diagnostic equipment funded. We couldn't have opened without them.

DM
Dr. David McAllister
Director

Frequently Asked Questions

Everything you need to know about asset finance with Probiz Finance.

What is the difference between a asset finance and equipment finance? +
Asset finance is the broad umbrella — it covers vehicles, machinery, technology, fit-outs, and more across products like hire purchase, finance lease, and chattel mortgage.
Equipment finance is a specific subset — it refers to funding business equipment like manufacturing machinery, medical devices, agricultural tools, and IT hardware. All equipment finance is asset finance, but not all asset finance is equipment finance. Probiz Finance handles both.
How much can I borrow through Probiz Finance? +
We facilitate asset finance from $10,000 up to $5 million and above for large-ticket transactions. Each application is assessed on its own merits including the strength of your business, the asset being financed, and your repayment capacity.
How long does the approval process take? +
Most standard applications receive a credit decision within 24 hours. More complex or large-ticket transactions may take 48–72 hours. Once approved, funds are typically released to your supplier within 2–5 business days of document completion.
Can I finance used or second-hand assets? +
Yes. We finance both new and used assets. For used assets, lenders will consider the age, condition, and residual value of the asset. Generally, assets up to 10–15 years old at the end of the term are acceptable, though this varies by asset type and lender.
Will applying affect my business credit score? +
No, Your initial enquiry through our website is entirely soft-touch and will not affect your credit file in any way. A formal credit search is only conducted after you have reviewed and agreed to a specific finance proposal, and with your explicit permission.

Ready to Finance Your Next Asset?

Join 4,200+ businesses that trust Probiz Finance for flexible, fast asset finance solutions.