Asset Finance for Vehicles, Equipment & More
From commercial vehicles and machinery to technology and fit-outs, Aqua Money helps individuals and businesses finance the assets they need to grow. Perth-based, serving clients across Australia.
What is asset finance?
Asset finance is funding used to acquire a physical asset — a vehicle, equipment, machinery or technology — while spreading the cost over time rather than paying upfront. The asset itself typically serves as security for the finance.
We work across a range of asset classes and lender types to structure finance that suits your cash flow and ownership goals. Fast approvals, competitive rates, and straightforward advice — that's the Aqua Money approach to asset finance.
What we can help with
Vehicle finance (cars, trucks, fleets)
Equipment and machinery loans
Technology and software finance
Chattel mortgage, finance lease and hire purchase
Novated leases
How the process works
Free consultation
We talk through the asset you need, how you'll use it, and the structure that suits your cash flow.
Lender matching
We compare our panel to find asset finance lenders whose rates and terms fit your situation.
Application and approval
We help prepare the application and supporting details to give it the best chance of a quick, clean approval.
Settlement and beyond
We see the finance through to settlement, and stay available for your next vehicle or equipment purchase.
Common questions about asset finance
What can I finance with asset finance?
Asset finance can be used for vehicles, trucks and fleets, plant and machinery, technology and equipment, and business fit-outs. If it is a physical asset your business needs to operate or grow, there is usually a finance option for it.
What is the difference between a chattel mortgage, finance lease and hire purchase?
These are different structures for financing an asset. Under a chattel mortgage you own the asset and the lender holds security over it; under a finance lease the lender owns it and you lease it; under hire purchase you hire the asset and take ownership at the end. The right structure depends on your accounting, tax and cash-flow preferences, which is worth discussing with your accountant.
What is a novated lease?
A novated lease is a three-way arrangement between you, your employer and a financier, usually used to finance a vehicle through salary packaging. Whether it suits you depends on your employment arrangements and personal circumstances.
Can I finance a used or second-hand asset?
Often yes, though lender requirements vary with the age and type of the asset. We can check which lenders on our panel will consider the specific asset you have in mind.
How fast can asset finance be approved?
Timeframes vary by lender, asset type and the completeness of the application. Straightforward vehicle and equipment finance can move quickly, and we help prepare the application to avoid delays.
Is Aqua Money licensed to arrange asset finance?
Yes. Aqua Money is Australian Credit Representative 575935 of Australian Credit Licence 384704, regulated by ASIC, and arranges asset finance for individuals and businesses across Australia.
Finance your next asset
A free consultation, no obligation. Tell us what you're looking to finance and we'll find the right structure and lender.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. It is not financial product advice. Aqua Money — ABN 32 693 892 134 — Australian Credit Representative 575935 of Australian Credit Licence 384704.
What would the repayments be?
Indicative estimate for equipment, vehicles and machinery.
Is this mainly for business use?
Personal-use assets are regulated differently — we'll point you the right way.
Indicative market rate — type your own to model a quote.
Indicative monthly repayment
$1,359
$16,309 per year
A balloon lowers the monthly payment because this amount is deferred, not paid off. It falls due as a lump sum at the end of the term.
Your top 3 lender matches
privateRanked to your circumstances. Specific lenders and rates are revealed when we speak.
Match 1
Sharpest rate
Lowest ongoing rate for your profile
Match 2
Most flexible
Early payout, extra repayments
Match 3
Easier approval
More forgiving serviceability
See if you're eligible
Six quick questions — no credit check.
1 · Asset type
2 · Business trading
3 · GST registered
4 · Deposit / trade-in
5 · Asset condition
6 · Timeline
0 of 6 answered — your result appears here.
Indicative only — not a quote or an offer of finance. Assumes a business-purpose asset; personal-use assets are regulated consumer credit and work differently. Rates are derived from the published RBA cash rate plus a typical asset-finance margin and are updated daily; the actual rate available to you depends on your circumstances and the lender.