Cashtech · asset & equipment finance
Finance the things that earn your money.
Vehicles, machinery, fitouts, technology, medical equipment. Nine financing structures across chattel mortgage, hire purchase, and leases. Right structure depends on your tax position more than your industry.
What this category does
When asset finance fits.
Asset finance funds productive equipment using the asset itself as security. Lenders price tightly because the collateral is real, depreciation is well understood, and recovery is straightforward if things go wrong.
Choosing between chattel mortgage, hire purchase, finance lease, and operating lease is mostly a tax and accounting decision. We coordinate with your accountant rather than recommending a structure in isolation.
The products
10 structures across this category.
Phase 1 covers one canonical sub-product per pillar in detail. The others have summary cards now and dedicated pages in the next phase. Reach out and we'll send the lender shortlist for any of them.
Sub-product · live
Chattel mortgage
You own the asset; the lender takes a mortgage over it. Default structure for ABN holders, claim the GST upfront, deduct interest, depreciate the asset.
Learn moreSub-product · live
Hire purchase
Lender owns the asset until final payment. Less common today than chattel mortgage but still relevant for some tax structures and second-hand assets.
Learn moreSub-product · live
Finance lease
Lease the asset for substantially its useful life and accept residual value risk. Treated like a purchase for accounting and tax.
Learn moreSub-product · live
Operating lease
True rental: lender owns it, you use it for an agreed period, return it at the end. Lowest balance sheet impact, full lease costs deductible.
Learn moreSub-product · live
Commercial vehicle finance
Utes, vans, light commercial trucks. Almost always financed via chattel mortgage. Specialist lenders price by industry and use.
Learn moreSub-product · live
Heavy vehicle finance
Prime movers, trailers, refrigerated transport, earthmoving. Different lender appetite, different residual structures.
Learn moreSub-product · live
Medical equipment finance
Specific lender programs for medical and allied health professions, often with industry-relaxed criteria.
Learn moreSub-product · live
Fitout finance
Restaurant fitouts, café equipment, hotel refurbishments. Often a blended structure across asset finance and working capital.
Learn moreSub-product · live
Tech & software finance
Software, SaaS implementation, IT infrastructure, cloud migration. Specialist lenders now finance licences and implementation costs.
Learn moreSub-product · live
Vendor finance
Finance arranged through the vendor at point of sale. Common for equipment and IT purchases where the dealer offers a finance option alongside the asset.
Learn more
Lenders we work with
Across this category.
- Pepper Asset Finance
- Angle Finance
- Metro Finance
- Selfco
- Allied Credit
- Flexi Commercial
- Finance One
- Multipli
- Liberty Commercial
- Macquarie Leasing
- Westpac Asset Finance
- NAB Equipment Finance
Specific lender fit depends on your business profile. Lender accreditation varies; not every lender is available for every deal.
How we work
Four steps from brief to settlement.
- 01
Understand the situation
A 20-minute call to understand the use of funds, trading history, and timing. We pre-qualify against current lender appetite before anything goes to a lender.
- 02
Shortlist the lenders
Three to six lenders typically fit any given commercial scenario. We submit to the two with the strongest current rate and policy fit, not the entire panel.
- 03
Compare apples to apples
Approvals come back as term sheets with different fee structures. We translate them into effective annual cost so the comparison is honest.
- 04
Settle and review
Documentation signs electronically, funds settle to your operating account or the supplier. We follow up at 6 and 12 months to check the rate is still right.
Industries that use asset finance
Common industry fits.
- Industry page
Tradies & construction
Project-based cashflow, equipment-heavy, ABN-led income. From first ute to fifth crew.
- Industry page
Allied health & medical
Practice ownership, equipment-heavy, regulated environment, practitioner-driven income.
- Industry page
Hospitality & accommodation
Card-heavy revenue, seasonal swings, fitout-intensive operations, lease-driven model.
How introductions work. In Phase 1, Cashtech makes introductions between qualified business situations and the lenders best suited to fund them. We are a service offered by Trimorph Pty Ltd ABN 87 604 290 931. Information on this site is general in nature and does not take into account your objectives, financial situation, or needs.
Not sure which fits?
A 20-minute brief on the asset finance situation.
Tell us the shape of the deal and the timing. We'll come back with a lender shortlist or an honest signal that this isn't the right product yet.