Need new vehicles or equipment for your business? Explore flexible, fast asset finance solutions with Gardian Finance. Keep your cash flow strong while growing.
Asset Finance: A Smarter Way to Grow Your Business
When you run a business, having the right tools, vehicles, or equipment can mean the difference between staying stuck — or scaling up. But buying those assets outright? That can drain your cash flow fast.
That’s where asset finance comes in.
At Gardian Finance, we help business owners across Mackay and beyond invest in what they need now — without the financial strain. Whether it’s a work ute, new machinery, or upgraded office equipment, asset finance gives you options.
💼 What Is Asset Finance?
Asset finance is a type of business loan that lets you purchase or lease equipment and vehicles while spreading the cost over time. Instead of paying upfront, you make manageable monthly repayments.
It’s a smart solution for businesses that want to:
Buy a new work vehicle
Upgrade tools or machinery
Invest in farming or construction equipment
Modernise office systems or technology
You get access to what you need now, without tying up your working capital.
⚙️ Types of Asset Finance
At Gardian Finance, we’ll guide you through the most suitable finance structure:
1. Chattel Mortgage
You own the asset from day one, and the lender takes it as security. Ideal for businesses seeking ownership and potential tax benefits.
2. Finance Lease
The lender owns the asset, and you lease it over an agreed term. You may have the option to buy it later.
3. Operating Lease
Perfect if you upgrade assets frequently. Use the asset for a fixed period, then return it at the end.
4. Hire Purchase
You make fixed payments while using the asset. Once the final payment is made, ownership transfers to you.
🚀 Why Use Asset Finance?
✅ Preserve your cash flow – No need to pay the full amount upfront
✅ Fast access to equipment – Upgrade without delays
✅ Flexible repayments – Match your cash flow or seasonal business cycles
✅ Potential tax advantages – Ask your accountant about deductions
✅ Stay competitive – Use the latest tools, tech, and transport
🧩 How Gardian Finance Makes It Easy
We’re more than just brokers — we’re your business finance partner. From tradies needing a new ute to regional businesses investing in equipment before EOFY, we help you:
Compare lenders and terms
Secure fast pre-approvals
Choose the right structure for your business
Handle paperwork and settlement
Everything is personalised, local, and designed to get your business moving faster.
📞 Ready to Finance Your Next Asset?
Get in touch with
Gardian Finance in Mackay today to explore competitive asset finance solutions that support your business goals — without the stress.
