Productive use
Describe what the asset will do, how it supports revenue or capacity, and when it is needed.
Business finance
Tell RateSmart what the business needs to finance, how the asset will be used and which records are available. A broker can then compare suitable options.
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Business car finance
Cars, vans and utes used for business.
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Equipment finance
Machinery, tools and productive business assets.
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Truck finance
New and used vehicles for operating needs.
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Low-doc business finance
Alternative evidence for eligible business borrowers.
View detailsBefore you enquire
Start with the business use, asset life and available records.
Explain what the asset will do, how long it should remain productive and which business records are available.
Asset and supplier
Age, condition, supplier, invoice and expected useful life can affect lender policy and loan terms.
Business records
Trading history, bank statements, BAS, financials or alternative records may be relevant. Low-doc still requires assessment.
Deposit and ownership
Discuss deposits, balloon obligations and ownership goals, then confirm tax treatment with the business accountant.
Related guidance
Understand the details before you decide.
Review the costs, documents, eligibility and timing that may affect your finance options.