Asset Finance for Business | Three Plus Me Finance

Fund the Assets That Drive Your Business Forward

Whether you are buying new equipment, upgrading existing equipment, or expanding your fleet, asset finance gives your business the ability to acquire what it needs without draining your working capital. At Three Plus Me Finance, we work with a wide panel of banks and lenders across Australia to find asset finance options that suit your business structure, cash flow, and goals.

What Is Asset Finance?

Asset finance is a broad term for lending products that allow businesses and individuals to purchase or lease physical assets, using the asset itself as collateral. Rather than paying the full purchase price upfront, you spread the cost over time through fixed monthly repayments. This approach helps businesses preserve working capital while still accessing the latest equipment, vehicles, and machinery they need to operate and grow.

Asset based lending is used across nearly every industry in Australia. From a tradie buying a new work vehicle, to a construction company financing excavators, graders, cranes, or dozers, to a medical practice investing in medical equipment finance, to a hospitality business funding a kitchen fit-out through hospitality equipment finance, the principle is the same. You get access to the asset now, and you repay the cost over an agreed term.

Types of Assets We Can Help Finance

Three Plus Me Finance can assist with commercial equipment finance across a wide range of categories. This includes commercial vehicle finance for cars, vans, and utes, as well as truck and trailer loans for transport operators. We also assist with plant and machinery finance covering specialised machinery such as tractors, excavators, and factory machinery. Technology equipment finance, office equipment, and medical equipment finance are also commonly structured through asset finance arrangements.

If your business relies on equipment finance to operate, having the right finance structure in place is critical. The wrong structure can create unnecessary tax complications, cash flow pressure, or leave you locked into an asset that no longer suits your needs.

Finance Structures Available

There is no single asset finance product that suits every business. The right structure depends on your business needs, your GST treatment, how you want to handle depreciation, and whether you want to own the asset outright at the end of the term or return it and upgrade.

A chattel mortgage is one of the most common structures for business equipment funding. The lender advances funds to purchase the asset, and the business takes ownership immediately while the lender holds a mortgage over it as security. This structure often allows businesses to claim depreciation and interest as tax benefits, and GST on the purchase price may be claimable upfront on your next BAS.

A finance lease allows a business to use an asset over the life of the lease while the lender retains ownership. At the end of the term, you may have the option to purchase the asset, extend the lease, or return it. This can suit businesses that want to manage their upgrade cycle and keep their equipment finance arrangements flexible.

An operating lease is similar but typically involves the lender taking on the residual risk of the asset's value at the end of the term. This can be useful for technology equipment finance or other assets that depreciate quickly.

Hire Purchase is another option where the business makes fixed monthly repayments over an agreed term and takes full ownership of the asset once the final payment is made. A balloon payment can be structured into the loan amount at the end of the term to reduce ongoing repayments during the loan period.

For employees, a novated lease allows a vehicle to be financed through a salary packaging arrangement with an employer, which can offer tax advantages depending on individual circumstances.

Vendor finance and dealer finance are also available in some cases, where the supplier or dealer arranges finance directly. Three Plus Me Finance can help you compare these options against what is available through our lender panel so you are not simply accepting the first offer presented.

Why Asset Finance Matters for Business Growth

Preserving capital is one of the most important things a growing business can do. Tying up large amounts of cash in a single asset purchase can limit your ability to respond to new opportunities, manage day-to-day expenses, or handle unexpected costs. Asset finance lets you acquire what you need while keeping your cash available for operations.

For businesses managing a fleet, fleet finance arrangements can consolidate vehicle funding into a structured, manageable program. For construction businesses, construction equipment finance means you can take on larger contracts without waiting until you have saved enough to buy the machinery outright.

Three Plus Me Finance works with business owners across trades, transport, construction, medical, retail, and more. We access asset finance options from banks and lenders across Australia, which means we are not limited to one lender's products or interest rate. We look at your full picture and match you with a structure that fits.

If you are looking at cashflow solutions alongside your equipment needs, we can look at both together to make sure your overall finance position makes sense for your business.

Our Simple Process

1. Get In Touch
Reach out by phone, email or through our website. We'll have a quick, no-obligation chat about what you're looking to achieve, whether that's financing a truck for your fleet, upgrading plant and machinery, purchasing a boat or aircraft, or sorting out a personal loan or car finance. This initial conversation helps us understand your situation and point you in the right direction from the start.

2. Tell Us Your Story
Every client is different and we want to understand your unique circumstances. We'll ask about your business, income, current commitments and what you're hoping to finance. No judgment, just honest conversation. Whether you're a business owner looking at cashflow solutions, a tradie needing new equipment, or an individual refinancing a car loan, the more we know, the better we can tailor a solution that actually fits your life and cash flow.

3. Review Your Options
Once we understand your needs, we'll search our panel of lenders to find the right match. We work with banks, non-bank lenders and specialist finance providers, including those experienced in asset finance, maritime loans, aviation finance and niche vehicle lending, to give you real choice. We'll explain the options available, including interest rates, loan terms and repayment structures, in plain English. No confusing jargon.

4. Choose Your Solution
We'll present our recommended finance options and walk you through the pros and cons of each. You're in control. We're here to guide, not pressure. Whether you're comparing equipment finance structures, weighing up vehicle loan terms or looking at refinancing options, once you've decided what works, we move forward. Questions at any stage? We're a phone call away.

5. Lodge Your Application
We handle all the paperwork and submit your application to the lender. Whether you're running a business, managing a fleet or working full-time, we take care of the admin so you don't have to. We'll tell you exactly what documents we need and help you gather everything efficiently. Our job is to make this process as smooth as possible.

6. Manage The Process
Once your application is lodged, we stay on top of it. We liaise with the lender, answer their questions and keep you updated every step of the way. If additional information is needed, we'll let you know quickly and help you provide it. From asset finance approvals to personal loan settlements, we're your advocate throughout.

7. Settlement And Beyond
When your finance is approved, we coordinate settlement and make sure the funds get where they need to go. But our relationship doesn't end there. As your business grows, your fleet expands, or your personal circumstances change, we're here for ongoing support, whether that's restructuring, refinancing or arranging additional funding. One call. That's all it takes.

Client Testimonials

Jo Weldon

Kimberley helped us out with a loan for a used vehicle. She secured a better loan rate than we were offered by the car yard. Everything was so quick & easy, all our documents were sent by email. No question was a bother, kept us informed all the way. Have recommended her to all our friends! Will definitely use Kimberley for our next vehicle. If I could give more than 5 stars I would!

Juliet

I am so grateful to have been connected to the beautiful Kimberley. She is so amazing to work with, nothing is ever hard for her and she does it with such grace and great transparency. She has helped me with the purchase of my new car which I thought would be impossible but she worked her magic and I got approved. If excellence was a person it would be Kimberley! Love your work Kimberley, and I would 10000000% recommend her to everyone. Bless! 🧡

Monaco Landscapes

Kim is an exceptional broker who makes the entire process effortless. Nothing is ever too difficult for her, and she consistently finds solutions where others see obstacles. Unlike many brokers who rely solely on spreadsheets and numbers, Kim takes a holistic approach, considering the bigger picture to deliver the best outcomes. My business has grown exponentially, and much of that success is thanks to Kim’s expertise, dedication, and strategic guidance. I couldn’t recommend her highly enough.

Our Panel of Lenders

Got Questions?

What types of finance can Three Plus Me Finance help with?

We assist with a broad range of business, commercial, asset & equipment and consumer finance solutions. Whether you're looking to improve cash flow, grow your business, purchase vehicles or equipment, refinance existing commitments or fund a personal purchase, we'll help you explore the options available.

Why use Three Plus Me Finance instead of going directly to a bank?

Rather than being limited to the products and lending criteria of one institution, we have access to a broad panel of lenders. We take the time to understand what you're looking to achieve, explore suitable options and manage the finance process from enquiry through to settlement.

Can you help me find the right finance for my business?

Yes. Every business is different. We look at your business, funding requirements and objectives to help identify finance options suited to your circumstances — whether that's working capital, expansion, refinancing, commercial funding or finance for vehicles and equipment.

Can you refinance or restructure existing finance?

Yes. We can review eligible existing business, commercial and asset finance and explore refinancing or restructuring options that may better support your cash flow, current circumstances and future plans.

What if my circumstances or credit history aren't straightforward?

Yes. We can assist with reviewing your credit file and exploring rectification where information may be incorrect, outdated or eligible to be disputed. Where appropriate, we can also help you understand the steps available before applying for finance.

How quickly can finance be arranged?

Timeframes depend on the type of finance, lender and complexity of the application. Some straightforward applications can move quickly, while larger business and commercial transactions may require additional assessment. We'll keep you informed throughout the process and work to keep things moving.