Finance for the vehicles, machinery and equipment your business needs, structured around your cash flow and growth plans
Talk to a broker
Growing your business often means investing in vehicles, machinery, equipment or technology without tying up the cash flow you need to run your day-to-day operations. The right asset and equipment finance solution can help preserve working capital and may provide tax or cash-flow advantages, depending on the finance structure and your circumstances. We recommend confirming the tax treatment with your accountant.
3LANE Finance helps businesses across Sydney and NSW secure asset and equipment finance for everything from vehicles and trailers to specialist machinery, fit-outs and technology. By comparing lenders across our broad lender panel, we recommend finance solutions that suit both your business and the way you'll use the asset.
Whether you're replacing an ageing vehicle fleet, fitting out new premises or investing in equipment to take on a larger contract, we structure chattel mortgages, finance leases, hire purchase and rental solutions that support your cash flow and long-term growth.
We take the time to understand your business, the assets you need and your long-term goals. By comparing lenders across our broad lender panel, we help you secure asset finance that's aligned with your cash flow and growth plans.
We compare asset finance options across major banks, second-tier lenders and specialist equipment financiers. By matching your business with the right lender, we help you secure finance that's suited to both your circumstances and the assets you're purchasing.
Different lenders assess different asset types in different ways. We understand these requirements and structure your application around the asset's purpose, useful life and value, presenting your business clearly and accurately.
Whether you're financing vehicles, machinery, equipment or technology, we compare lenders based on the way they assess your business and the assets being funded. This helps us identify finance solutions that are aligned with your needs before you apply
From comparing finance options and preparing your application through to settlement, we manage the process on your behalf. We also stay in touch after settlement to help review and manage your ongoing finance needs.
We prepare your application in a way that presents your business clearly, accurately and in the strongest possible light to lenders.
Chattel mortgages, finance leases and rental agreements. Each may have different implications for ownership, tax treatment and cash flow. The right solution depends on how you'll use the asset, how long you expect to keep it and your broader business objectives.
By comparing lenders across our broad lender panel, we help you understand the advantages and trade-offs of each finance structure before you commit. Where appropriate, we also work with your accountant to ensure your finance solution aligns with your broader business plans.
If you're financing equipment as part of a larger expansion, we can structure your asset finance alongside a commercial property loan or business loan, creating an integrated funding solution rather than arranging each facility separately.
Assets we commonly finance
We arrange finance across a wide range of asset types, including:
Whether you're investing in vehicles, machinery or equipment, we help you secure finance that's aligned with your business, cash flow and long-term growth plans.
We start by understanding your business, the assets you need, how they'll be used and your funding objectives. We also consider the factors lenders assess when evaluating both your business and the assets being financed.
We compare suitable lenders across our broad panel, along with finance structures such as chattel mortgages and finance leases. We help you understand the advantages of each option before you commit to a finance structure or supplier agreement.
We prepare your application, liaise with your lender and manage the process through to settlement, helping you secure the finance you need with as little disruption to your business as possible.
Use our handy loan calculator to help you estimate your needs and repayment plan
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentBased in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
Explore the supporting pages in this section.
Equipment finance for businesses that need machinery, technology, tools or specialist operational assets.
ServiceMedical equipment finance for healthcare providers, clinics and specialists investing in essential equipment.
ServiceVehicle and fleet finance for businesses that need cars, vans, trucks or specialist commercial vehicles.
Explore related services and industries we support.
Quick answers for clients comparing finance options.
Asset and equipment finance allows your business to purchase or use vehicles, machinery and equipment without paying the entire cost upfront. Asset and equipment finance structures include chattel mortgages, finance leases and rental agreements. Each has different implications for ownership, tax and cash flow. We compare these options across our lender panel to try to find the right loan for your circumstances.
We can arrange finance for your vehicles, trucks and trailers, trade and manufacturing equipment, medical and dental equipment, hospitality equipment, technology and IT infrastructure, and specialist or custom-built machinery, among other asset types.
Under a chattel mortgage, your business owns the asset from settlement and the lender takes security over it. Under a finance lease, the financier generally retains ownership and your business pays to use the asset. The right structure depends on your tax position and how long you plan to keep the asset. Speak to your accountant and 3LANE Finance before deciding which type of asset finance is right for you.
In many cases, yes. Lender policy varies by asset age, condition and whether the sale is through a dealer or a private seller. We confirm with you which lenders on our panel can support your specific asset and purchase scenario.
This depends on the lender and the strength of your application. Some lenders focus on your business’ trading history. Other lenders place great emphasis on your directors' experience, the asset's resale value and the security offered. We compare your options across our lender panel to identify lenders who are more likely to support a newer business.
Deposit requirements vary according to the lender, asset type, asset age and your business’s financial position. Some lenders may offer finance without an upfront deposit, while others may require a contribution. Depending on the product, a residual or balloon payment may also be available to reduce regular repayments, although this increases the amount payable at the end of the term.
In most cases, 3LANE Finance does not charge the borrower a direct broker fee for arranging asset finance because we receive commission from the lender following settlement. Lender establishment fees and other transaction costs may still apply. If we need to charge a broker fee for a particular transaction, we will disclose and agree it with you in writing before proceeding.
Turnaround times vary by lender and depend on the complexity of your application. Equipment finance is often faster to approve than a commercial property loan, particularly for standard vehicles and equipment with an established resale market.
Yes. If your current rate, structure or lender no longer suits your business, we can review your existing equipment finance and compare refinancing options across our panel, in the same way we review your other lending on a regular basis.
Some lenders offer streamlined or low-documentation assessment for eligible businesses and standard assets. Requirements depend on factors including the loan amount, asset type, trading history, credit profile and available supporting information. We assess your circumstances before recommending an appropriate application pathway.
Share your goals with the 3LANE team and we will help you understand the lending options that may suit your position.
