Probiz Finance helps Melbourne and Australian businesses fund vehicles, machinery, technology and equipment — new or used — without draining working capital. We structure the finance around your cash flow and match it to the right lender from a panel of 50+.
You know the ute, the machine or the fit-out would win you more work — but writing one large cheque strips out the cash you need for stock, wages and the next job. So the purchase gets delayed, and the opportunity goes to a competitor who financed theirs. The asset isn't the problem. Tying up your working capital to buy it outright is.
Spread the cost over the asset's working life instead of paying up front — your working capital stays available for the day-to-day.
Because the equipment itself secures the finance, many facilities need little or no additional property security.
Repayments line up with the revenue the asset generates — it earns while it's being paid off, not before.
Asset finance is a way for a business to acquire a physical asset — a vehicle, machine, piece of equipment or fit-out — and pay for it over time, rather than in one lump sum. The asset itself is the core security, which is what makes it different from an ordinary loan. In three steps:
You pick the vehicle, machine or equipment your business needs and get a quote or invoice from the supplier — new or used.
Once approved, the lender pays the supplier — often up to 100% of the price. You take delivery and put the asset to work straight away.
You make fixed regular repayments over the asset's working life. Depending on the structure, you own it outright at the end or hand it back.
Instead of a large up-front outlay, the cost is spread over the years the asset earns for you. Because the finance is secured against the asset itself — not necessarily your property — it's often accessible to businesses that would find a traditional bank loan harder to arrange. Which structure suits you depends on how you want to treat ownership, GST and tax, so it's worth confirming the detail with your accountant.
New or used — a vehicle, machine, fit-out or technology. Send us the quote or supplier invoice and we tell you how lenders will view the asset before you commit to anything.
Chattel mortgage, finance lease or hire purchase — each treats ownership, GST and tax differently. We map the options with you and your accountant so the structure fits your cash flow.
We match your business profile and the asset to the best-fit lender on the panel — banks, challengers and specialist equipment funders — instead of you applying one bank at a time.
Once approved and documents are signed, funds are released directly to your supplier. You take delivery and the asset starts working for your business straight away.
Fleet additions, equipment upgrades, working capital as you scale — one finance partner across the whole journey, with your history already on file.
"The right structure is decided before the application is lodged — the product you choose matters as much as the rate." — Pooja Choudhary
Utes, vans, trucks, trailers and specialist vehicles — single unit or full fleet
Enquire about vehicle finance →
Earthmoving, construction, manufacturing and agricultural equipment
Enquire about machinery finance →
Servers, software, POS systems and telecoms — refresh cycles without capital outlay
Enquire about technology finance →
Diagnostic, surgical, dental and allied health equipment for practices
Healthcare Equipment Finance →
If it generates revenue for your business, it can likely be financed
Tell us about the asset →Each product treats ownership, GST and tax deductions differently. This is general information only — the right structure depends on your circumstances, so confirm tax treatment with your accountant.
| Product | Who owns the asset | Typically suits | End of term |
|---|---|---|---|
| Chattel mortgage | You, from day one | Vehicles, plant & machinery where ownership matters | Asset is yours outright (balloon optional) |
| Finance lease | The lender, you use it | Assets you may upgrade or return — fleet, technology | Payout, refinance or return the asset |
| Hire purchase | Lender until final payment | Businesses wanting fixed instalments with eventual ownership | Title transfers to you |
| New & used assets | Both are financeable — for used assets, lenders assess age, condition and value at end of term (indicative only, subject to lender assessment) | ||
Start-ups, impaired credit, used or specialist assets — even complex situations have solutions. Tell us about the asset you need and we'll map your options against the lender panel.
Before founding Probiz, Pooja spent years inside NAB and ANZ. Asset finance applications fail on the details — asset age, serviceability assumptions, the wrong product for the cash flow — and she's assessed them from the credit side. That's the difference between hoping for approval and engineering one.
Seamless equipment finance experience with Probiz Finance - highly recommend!" As a business owner, investing in the .....
We recently had the pleasure of working with Probiz Finance and could not be more satisfied with the experience...
I've relied on Probiz Finance for my business lending needs for quite some time now, and every experience has been...
Asset finance is the umbrella — it covers vehicles, machinery, technology and fit-outs across products like chattel mortgage, finance lease and hire purchase. Equipment finance is a subset that refers specifically to funding business equipment such as manufacturing machinery, medical devices or IT hardware. Probiz handles both.
Facilities typically range from around $10,000 up to several million for large-ticket transactions. Each application is assessed on its own merits — the strength of your business, the asset being financed and your repayment capacity all shape what a lender will approve.
Yes. Lenders finance both new and used assets. For used assets they consider age, condition and value at the end of the term — as a guide, many lenders accept assets up to 10–15 years old at term end, though this varies by asset type and lender.
Often no. Because the asset itself is the core security, many structures fund up to 100% of the purchase price for established businesses. Newer businesses, used assets or specialist equipment may require a contribution — we map your position against the lender panel before you apply anywhere.
Frequently, yes. The panel includes specialist funders who assess start-ups case by case and consider most credit profiles. The asset type, any deposit, and director background all influence the outcome — this is exactly where broker structuring earns its keep.
Your initial enquiry with us doesn't involve a credit check. A formal credit enquiry is only made after you've reviewed a specific finance proposal and given your explicit permission to proceed with a lender.
No credit checks at this stage, no obligation. We'll come back to you within one business day with a read on how lenders would see the deal.
Either way, the finance conversation should happen before you commit to a supplier. A strategy session with Pooja — no obligation, no fee.
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