Asset Refinance Australia
Release equity in your assets. Lower payments or access cash.
Your business already owns valuable equipment, trucks, and machinery. Asset refinancing lets you unlock that value — lower your current repayments, access cash for growth, or restructure your finance for better terms. Flash Funding compares refinance options from 40+ lenders.
Start with the best matching product path, then continue via the secure customer portal.
What Is Asset Refinance?
Asset refinance allows you to borrow against the value of equipment, vehicles, and machinery your business already owns — either outright or with existing finance. It is a way to release the equity tied up in your business assets and convert it into working capital or better finance terms.
There are two main types of asset refinancing. The first is refinancing an existing loan to get a better rate, lower payments, or different terms. The second is borrowing against unencumbered assets (those you own outright) to access cash for business purposes.
Asset refinance is one of the most underutilised forms of business finance in Australia. Many businesses are sitting on hundreds of thousands of dollars of equity in equipment and vehicles that could be working harder for the business.
When to Consider Asset Refinancing
Asset refinancing makes sense in several common business situations. If your current finance rate is higher than what is available today, refinancing to a lower rate reduces your monthly payments and total interest cost.
If your business needs working capital for growth, a new project, or to manage cashflow, borrowing against assets you already own is often faster and cheaper than unsecured business lending. The asset provides security, which means lower rates and faster approvals.
Businesses also use asset refinance to consolidate multiple equipment loans into a single facility with one lender. This simplifies administration, can reduce total payments, and provides a clearer picture of your finance obligations.
How Asset Refinancing Works
The process starts with a valuation of your asset. Lenders assess the current market value based on the asset type, age, condition, and market demand. Based on this valuation, they offer to lend a percentage of the asset's value — typically 50% to 80%.
If you have an existing loan on the asset, the new lender pays out the existing loan and provides any additional funds as cash to your business. If the asset is unencumbered, the full loan amount goes to you as working capital.
Flash Funding compares refinancing offers from multiple lenders to ensure you get the best combination of rate, loan-to-value ratio, and terms. Our matching considers your specific assets and business profile to find the optimal refinance solution.
How It Works
Tell Us About Your Assets
Describe the equipment, trucks, or machinery you want to refinance — type, age, value, and existing finance.
Get Valuations
We work with lenders to establish current market values for your assets.
Compare Offers
Review refinance options from multiple lenders with clear rates and terms.
Access Your Equity
Settle the refinance and put the released capital to work in your business.
Key Benefits
Lower Repayments
Refinance to a lower rate and reduce your monthly finance burden.
Access Cash
Release equity from assets you own to fund growth, projects, or cashflow.
Consolidate Loans
Combine multiple equipment loans into one simple facility.
Fast Process
Asset-backed refinance is faster than unsecured lending. Approvals in days, not weeks.
Eligibility Requirements
Example Finance Scenario
A transport company owns 3 trucks outright (no existing finance) with a combined market value of $600,000. They refinance at 70% LVR to fund a new contract.
Asset Value
$600,000
Loan Amount
$420,000
Term
4 years
Monthly Payment
~$9,800
The business receives $420,000 in working capital while retaining use of all three trucks. Example only.
Frequently Asked Questions
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