Asset finance · vendor finance
Finance arranged at the point of sale, sized to the deal.
Equipment, vehicle, and IT vendors increasingly bundle finance options at the point of sale. We help you compare what the vendor offers against the wider asset-finance panel, so the convenient deal is also the right deal.
What it is, when it fits
Plain English, with the trade-offs.
Vendor finance is asset finance facilitated by the vendor (the equipment dealer, the vehicle yard, the software reseller, the technology integrator) at the point of sale. Most established vendors maintain panel relationships with one or two asset financiers and present that financier's offer alongside the asset itself. The convenience is real: paperwork is pre-filled from the invoice, approval often takes hours, and settlement happens as the asset is released. The trade-off is rate. Vendor-panel finance is typically priced ~0.5% to 1.5% above what a broker-led comparison across the wider panel would return on the same asset for the same borrower. Sometimes the vendor offer is genuinely competitive (large-vendor programs with major-bank backing, or zero-interest promotional periods). Sometimes the convenience premium is meaningful enough to justify a separate broker process. We help you compare the vendor offer against the broader specialist asset-finance panel before signing.
Vehicle keys handed across at a dealership counter.
Typical scenarios
Vehicle dealer offering finance at sign-on
Why: Convenient one-stop process; vendor finance via single panel lender.
Outcome: Cashtech compares the vendor offer against three specialist asset financiers; client accepts the better of the four.
IT integrator bundling SaaS + hardware
Why: Mixed asset package; vendor offers in-house leasing.
Outcome: Vendor finance accepted on the hardware portion (well-priced), broker-led structure on the software portion.
Equipment dealer with promotional 0% finance
Why: Promotional period genuinely below market.
Outcome: Vendor finance accepted; broker confirms no hidden fees inflate the all-in cost beyond market.
Business acquisition with vendor terms
Why: Seller takes part of the purchase price as deferred payment over 2 to 3 years.
Outcome: Cashtech structures the vendor-terms arrangement alongside senior bank acquisition debt; ensures intercreditor terms are clean.
Lenders for this product
Who we work with.
- Pepper Asset Finance
- Angle Finance
- Metro Finance
- Allied Credit
- Flexi Commercial
- Macquarie Leasing
Lender accreditation varies; not every lender is available for every deal. We pick from the panel based on your specific situation.
How it works
From brief to settlement.
- 01
Compare before signing
Send us the vendor offer (rate, term, balloon, fees, security). We run a parallel comparison across the broader specialist asset-finance panel for the same asset and your business profile. Usually returns within a business day.
- 02
Honest call on which is better
We tell you which is the right deal — vendor or broker — based on all-in cost over the asset life. Sometimes the vendor offer wins (promotional pricing, simple settlement); sometimes a panel lender saves real money.
- 03
Settle whichever fits
If the vendor offer is right, we step out and you settle with the vendor. If the broker-arranged option is better, we coordinate documentation with the vendor and the chosen lender; settlement typically happens at the same speed as the vendor's own process.
- 04
Ongoing review
We follow up at 6 and 12 months for asset-finance facilities. If the rate or structure no longer fits, refinance is usually straightforward.
Indicative pricing & terms
Ranges, not promises.
Rate range
6 to 13% p.a. depending on asset, vendor panel, and your business profile
Loan size
$10K to $5M
Term
1 to 7 years
Security
Registered mortgage over the asset (chattel mortgage structure)
Indicative only; specific pricing depends on lender, security, and your business profile.
Frequently asked
Honest answers, plain English.
Vendor finance vs broker-arranged asset finance?
Vendor finance is one lender (or two) on the vendor's panel. Broker-arranged finance compares the same deal across the wider specialist panel. Convenience vs price; on bigger or longer-term deals the broker comparison typically saves 0.5 to 1.5% per annum, which is material across the loan life.
Are vendor 0% finance offers really 0%?
Sometimes yes (manufacturer-subsidised programs on specific models or stock). Sometimes the 0% is offset by a higher asset price than negotiated cash price. We help you check the all-in deal: asset price + finance cost + any fees, then compare to the asset-finance market for the same borrower profile.
Can I swap a vendor finance offer for broker finance after signing?
Usually only before settlement. Once the vendor finance settles, refinancing is possible but carries break-fee and discharge costs. Best to compare before signing.
What is vendor terms in a business acquisition?
When a seller agrees to take part of the purchase price as deferred payment over an agreed period (typically 1 to 3 years), often interest-bearing. Used to bridge gaps between senior acquisition debt and buyer equity. Structurally similar to mezzanine finance but with the seller as the lender.
Does vendor finance affect my serviceability with other lenders?
Yes — like any commercial finance facility, vendor-arranged finance shows up on credit checks and counts toward your business serviceability calculation. Plan accordingly if you have other planned facilities in the next 6 to 12 months.
When is vendor finance genuinely the right choice?
When the vendor offer is genuinely competitive (promotional rate, large-vendor major-bank backing), when speed matters more than 0.5 to 1.5% per annum saving, or when the operational simplicity of one-process settlement is itself valuable to you. We tell you when vendor finance beats the broker alternative, not just when it doesn't.
Related products
If this isn't quite the fit.
Next step
Twenty minutes, no obligation.
Tell us the shape of the deal and the timing. We'll send a lender shortlist for vendor finance or, if it isn't the right fit, an honest signal of what is.