Welcome to Madd Asset Finance, your dedicated solution for all your asset finance needs across all of Australia. Our specialised in-house team focuses solely on asset finance services, ensuring that we stay up-to-date with the best deals available in the market. Want to save on finance? Reach out to our asset finance team today!
Madd Asset Finance provides tailored financial solutions to help you achieve your goals. From equipment finance for business to consumer car loans, we offer flexible and competitive options to support your lifestyle or business growth.
At Madd Asset Finance, asset finance is our sole focus. Our specialised team is dedicated to staying at the forefront of the industry, ensuring that we have unparalleled expertise in this field. By honing our skills and knowledge specifically in asset finance, we can provide you with tailored solutions that are perfectly suited to your needs.
We understand that every client is unique, which is why we pride ourselves on offering personalised solutions for individual circumstances. Whether you’re making your first asset purchase or expanding your own business, our team will take the time to understand your specific goals and requirements. With our tailored approach, you can trust us to find the perfect financing solution for you.
At Madd Asset Finance, we’re committed to securing the best deals for our clients. With access to a wide network of lenders and financial institutions, we can offer you competitive rates and favourable terms that you won’t find elsewhere. Our relationships with industry leaders ensure that you have access to the most attractive financing options available.
When you choose Madd Asset Finance, you’re not just getting financing – you’re getting a dedicated team of professionals who are committed to your success. From your initial consultation to the finalisation of your financing arrangement, our team will be by your side every step of the way. With our comprehensive support, you can rest assured that your asset finance needs are in good hands.
Asset finance rates vary depending on the asset type, age, loan term, loan amount and the strength of your business. As a guide, the indicative ranges below reflect what Madd clients are typically offered across our lender panel.
| Feature | Typical range | Notes |
|---|---|---|
| Interest rates | From 6.14% p.a.* | Subject to credit assessment, asset type and term |
| Loan amounts | $5,000 – $2,000,000+ | Larger facilities available for established businesses |
| Loan terms | 1 – 7 years | Balloon / residual payments available |
| Establishment fee | From $499 | Varies by lender |
| Broker commission | Paid by the lender | No upfront cost to you - incorporated into the cost of the loan |
Example monthly repayments (7.49%, no balloon, fully amortising and no fees)
| Loan amount | 3-year term | 5-year term | 7-year term |
|---|---|---|---|
| $30,000 | $933 / mo | $601 / mo | $458 / mo |
| $60,000 | $1,866 / mo | $1,202 / mo | $917 / mo |
| $120,000 | $3,731 / mo | $2,405 / mo | $1,833 / mo |
| $250,000 | $7,772 / mo | $5,010 / mo | $3,819 / mo |
*Indicative only, current at time of publication. Actual rate depends on asset, deposit, credit profile and lender. Figures assume a fully amortising loan with no balloon.
Madd LoansEstimate your repayments on vehicles, equipment, and business assets.
The right product depends on whether you want to own the asset, how you plan to treat it for tax, and how long you expect to use it.
A chattel mortgage is the most common option for businesses that want to own the asset from day one. The lender takes a mortgage over the asset as security, and the business takes title immediately.
When to use it
Key advantages
Tax considerations
A secured consumer loan is a popular choice for individuals purchasing a specific asset, most commonly a vehicle. The lender takes a registered security interest over the asset (the “collateral”) for the duration of the loan, which typically allows for a lower interest rate compared to unsecured options.
When to use it
You are purchasing a new or used car, caravan, or boat.
The asset meets the lender’s age and condition criteria (usually under 7–10 years old).
You want to access the lowest possible interest rate by providing security.
Key advantages
Lower Interest Rates: Because the loan is backed by an asset, the risk to the lender is lower.
Higher Limits: You can often borrow larger amounts than you could with an unsecured loan.
Fixed Repayments: Enjoy the certainty of fixed monthly payments for terms generally ranging from 1 to 7 years.
Financial considerations
Comprehensive Insurance: Lenders usually require the asset to be fully insured at all times.
Asset Restrictions: If you sell the asset before the loan is finished, you must pay out the remaining balance immediately.
Default Risk: If you are unable to make repayments, the lender has the right to repossess and sell the asset to recover their funds.
An unsecured consumer loan (often called a Personal Loan) provides funds without requiring any asset as collateral. Since the lender has no physical security to claim if repayments aren’t made, approval is based heavily on your credit history, income, and overall financial stability.
When to use it
You need funds for purposes that don’t involve a physical asset (e.g., debt consolidation, travel, or a wedding).
The asset you are buying is too old to be used as security (e.g., a vintage car).
You are funding home improvements that don’t necessarily add “seizable” value to the lender.
Key advantages
Ultimate Flexibility: Use the funds for almost any legal personal purpose.
No Asset Risk: Your car or home is not at direct risk of repossession if you experience financial hardship (though your credit score will be impacted).
Faster Processing: Without the need for asset valuations or vehicle checks, these loans are often approved and funded very quickly.
Financial considerations
Higher Interest Rates: Expect to pay a premium in interest to compensate the lender for the lack of security.
Strict Credit Criteria: Lenders are often more selective regarding credit scores and employment stability for unsecured lending.
Variable or Fixed: Depending on the lender, you may have the choice between a fixed rate for stability or a variable rate that allows for extra repayments without penalty.
Our team of Madd Asset Advisors understands that each individual has unique requirements and circumstances. We take the time to genuinely comprehend your needs and tailor our solutions accordingly. Whether you’re looking to finance a new or used car, purchase from a dealership or private seller, or need low doc options for self-employed buyers, we’ve got you covered with our tailored finance solutions.
What sets Madd Asset Finance apart is our ability to look at your situation from all angles. By working closely in-house with our home loan brokers at Madd Loans, as well as our commercial and financial planning teams, we ensure that you receive comprehensive support tailored to your specific goals.
Step-by-step process modelled on CommBank / NAB layouts — helps users understand the process and reduces the barrier to submitting an application.
Tip: Have your most recent BAS (if self-employed), payslips, driver licence and asset invoice ready —
this is all most lenders need for a low-doc application.
Quick checklist so clients can immediately see whether they qualify, and see the key things required to apply for asset finance.
Business Application:
– Signed Privacy Consent
– ABN & GST Registration
– Trust Deed (if a trust structure)
– Drivers Licence (front and back)
– Passport or Medicare Card
– Address (whether you own a property, rent or board)
– Invoice or Quote
– Proof of income (if required)
Consumer Application:
– Signed Privacy Consent
– 2 Most recent payslips
– Drivers licence (front and back)
– Medicare card or Passport
– Home Loan Statement or Rental Agreement
– Living Expenses
– Invoice or Quote
– 3 months bank statement (usually required if unsecured personal loan)
Have questions about financing your private sale car loans? Our FAQs cover eligibility, interest rates, the process, and more, helping you make informed decisions.
We offer financing solutions for a wide range of assets, including vehicles (cars, trucks, commercial vehicles), machinery, equipment, technology, and more. If your business needs it, we can likely finance it.
Our process is streamlined and efficient. You’ll typically need to provide information about your business, the asset you wish to finance, and financial documentation. Our team will then assess your application and work to secure the best possible financing options for you.
Asset finance allows you to acquire essential assets without a large upfront capital outlay, preserving your cash flow. It offers flexible repayment terms, potential tax benefits, and the ability to stay up-to-date with the latest equipment.
Yes, we understand that businesses can face financial challenges. We work with a diverse network of lenders and can often find solutions for businesses with varying credit profiles. We focus on understanding your business’s potential and finding suitable options.
We offer various asset finance options, including finance leases, operating leases, chattel mortgages, and hire purchase agreements. Our advisors will work with you to determine the best option based on your business’s specific needs and financial goals.
Don’t stress about finding the best loan. We’ll handle it! Answer this quick question, and we’ll search our extensive network to find the ideal loan for you for free.
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Awesome! We’ll get right on this. Please fill out the form and the team will be in touch.
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