Asset Finance.
Trucks, fleets, equipment, machinery, farm gear - if it earns your business money, we can finance it. We shop 60+ lenders and come back with the structure and rate that fit, without tying up your working capital.
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Won't affect your credit score.
What can we help you with?
Our Solutions
Asset Finance for Every Business
From a single ute to a full equipment portfolio - pick your asset type and we'll take it from there.
Finance Structures
The right structure for your asset and tax position.
Asset finance isn't just about the rate. The structure decides when you claim GST, what you deduct, and how the asset sits on your balance sheet - pick wrong and it costs more than a higher rate would.
We explain each option in plain English and recommend the one that suits your position - not the one that's easiest to sell.
Chattel Mortgage
You own the asset from day one and it secures the loan. GST claimable upfront, interest and depreciation deductible. The default for most business purchases.
Hire Purchase
The lender owns it during the term, you own it at the end. Fixed repayments, no surprises.
Finance Lease
The lender owns it, you lease it. Payments are fully deductible and the asset stays off your balance sheet.
Operating Lease
Finance, maintenance, tyres and rego in one fixed monthly cost. No residual risk - hand it back and upgrade. Built for fleets.
Why Co-Pilot
The asset finance broker that matches the lender to the asset.
The lender who's sharpest on a new excavator is rarely the right one for a fleet of vans or a used tractor. We know whose appetite is whose - and we use it to get you better terms.
- 60+ lenders including specialist asset finance and commercial vehicle providers
- We match each asset type to the lender best suited to finance it
- Tax-effective structuring - chattel mortgage, lease, or hire purchase based on your position
- New and used assets financed across all major categories
- Fleet facilities for multi-vehicle and multi-equipment purchases
- Fast approvals - 24-48 hours for straightforward applications
FAQ
Common Questions About Asset Finance
Finance the Assets Your Business Needs.
Not sure which structure fits? Tell us what you're buying. We'll run it across 60+ lenders and come back with real numbers.
No impact to your credit score