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Asset finance is a way for businesses to fund the purchase or use of physical assets without paying for everything upfront. Whether you are buying new equipment, upgrading existing equipment, or adding to your fleet, asset finance lets you spread the cost over time while keeping your cash available for day-to-day operations. At digilend, we help businesses across the Gold Coast, Brisbane, and Greater Brisbane access asset finance options from banks and lenders across Australia, so you can find a structure that suits your business needs.
The types of assets that can be financed are broad. From a truck, trailer, or tractor through to excavators, graders, cranes, and dozers, heavy machinery and work vehicles are among the most common. But asset finance also covers office equipment, medical equipment, hospitality equipment, and technology equipment. If your business relies on a physical asset to operate and generate income, there is likely a finance option worth exploring.
There are several finance structures available, and the right one depends on your business situation, your GST treatment, and how you want to manage cashflow. digilend works with you to understand your circumstances and then connects you with lenders who offer the right product.
A chattel mortgage is one of the most common options for commercial equipment finance. With this structure, you own the asset from day one and the lender takes a charge over it as collateral. You make fixed monthly repayments over an agreed term, and you may also have the option of a balloon payment at the end to reduce your ongoing repayments. Chattel mortgages can offer useful tax benefits, including the ability to claim depreciation and interest as business expenses, though you should speak with your accountant about what applies to your situation.
A finance lease is another popular option. Under a finance lease, the lender owns the asset and you make regular payments for the life of the lease. At the end of the term, you typically have the option to purchase the asset, extend the lease, or return it. This can be a good fit for businesses that want to preserve working capital and keep their balance sheet flexible.
An operating lease works similarly but is generally used when you want to use an asset for a set period without the intention of owning it at the end. This suits businesses that want to stay on the latest equipment and prefer a shorter upgrade cycle.
Hire purchase is another structure where you use the asset while making repayments, and ownership transfers to you once the final payment is made. This is a straightforward option for businesses that want to own the asset outright at the end of the term without a large upfront cost.
For businesses with multiple vehicles, fleet finance can help manage the cost of acquiring and running a group of work vehicles under one facility. And for businesses purchasing through a supplier, vendor finance or dealer finance arrangements may also be available.
One of the biggest advantages of asset based lending is that it allows businesses to preserve capital and invest in the equipment they need without draining their cash reserves. Rather than tying up a large lump sum in a machinery purchase or vehicle acquisition, you can spread the loan amount over a term that works for your cash flow.
This is especially important for businesses in construction equipment finance, commercial vehicle finance, and other capital-intensive industries where equipment costs are significant. Being able to access the latest equipment without a large upfront payment can make a real difference to how a business operates and grows.
At digilend, we work with a wide panel of banks and lenders across Australia, which means we can look at a range of asset finance options and help match you with a lender suited to your situation. Whether you are looking at equipment finance for a specific piece of machinery, commercial loans to support broader business needs, or business loans to fund growth, our team is here to help you understand your options.
We also understand that every business is different. A sole trader looking to finance a single tractor has very different needs to a construction company financing multiple cranes and dozers. That is why digilend takes the time to understand your business before recommending a finance structure. We look at the interest rate, the loan term, the impact of a balloon payment, and whether equipment leasing or a purchase structure makes more sense for your situation.
If you are based in areas like Southport, Robina, Bundall, or anywhere across the Gold Coast and Brisbane region, digilend is well-placed to support your business equipment funding needs. Our team works with clients across Ashmore, Nerang, Mermaid Waters, Clayfield, and beyond, helping businesses of all sizes access the right asset finance solution.
Everything starts with a conversation. Reach out to us online, by phone, or by email. There is no pressure and no obligation. We just want to understand what you are trying to achieve, whether that is buying your first home, refinancing, or securing finance for your next investment.
We take the time to learn about your financial situation, your goals, and your timeline. This helps us build a clear picture of what you need so we can find the right solution for you, not just any solution.
Using our panel of lenders, we search the market to find loan options that suit your needs. We compare rates, fees, features, and lender policies to put together a strategy that works in your best interest.
We present you with our recommended options in plain language. No jargon, no confusion. We walk you through the numbers so you can make a confident and informed decision.
Once you are happy with the direction, we handle the paperwork. We prepare your application, gather the required documents, and make sure everything is in order before it goes to the lender. This helps avoid delays and improves your chances of a smooth approval.
We submit your application and manage the process from our end. We stay in regular contact with the lender and keep you updated every step of the way. If the lender needs anything extra, we handle it quickly so things keep moving.
Once your loan is approved and settled, our job is not done. We check in with you regularly to make sure your loan is still working for you. As your life changes, we are here to review your finance and make sure it keeps up.
At digilend, we believe great finance advice should be straightforward, personal, and built around you.
Mario is genuinely your true saviour. Mario has always been an exceptionally great, honest, respectful, trustworthy, genuine person while doing business with. He offers the available products in the market and explains the pros&cons of various products based on individual circumstances. He always thinks from clients perspective and gets the best deal for them as per their circumstances just like mine . I have dealt with Mario for more than 15 years and he has never let me down no matter what borrowing capacity/product was suitable to my needs at that moment. If you want the truth, no BS just talk to Mario.
Carol
I met Mario through my work practices and noted he was a finance broker. I never had an ongoing personal broker before as I never found a good one to trust. I decided to give him a crack and it was one of the better decisions I’ve made in life. He is down to earth, honest, organised, effective and goes over and above to get the best outcome for us. He even attends auctions, open homes and house calls with us and has become part of our inner sanctum. He even laughs at my jokes. I would highly recommend him to anyone who requires finance and property matters. Chris and Tanya
Christopher Fowke
Highly recommend. Mario and his team were a pleasure to deal with. Mario was very knowledgeable on the most suitable finance for me and he made the process so easy. I've since referred Mario to friends, and will definitely use Digilend again.
Jacqui
Mario helped my wife and I secure a commercial spot for our business, Mario was great to deal with and very professional highly recommended!
Sean Holdinghausen
When you go directly to a bank, you are only seeing what that one lender has to offer. A broker like digilend has access to a panel of lenders, which means we can look across multiple options and present you with a range of possibilities that suit your situation. We also understand the lending criteria of different lenders, which means we can help match you with lenders who are more likely to consider your application based on your circumstances. On top of that, we handle a lot of the communication and paperwork on your behalf, which saves you a significant amount of time and effort. Having someone in your corner who understands the process can make a real difference, especially if your situation is not straightforward.
The documents you need can vary depending on the type of loan and your personal circumstances, but there are some common ones that most lenders will ask for. These typically include proof of identity such as a passport or driver's licence, proof of income like recent payslips or tax returns, bank statements showing your savings and spending, details of any existing debts or liabilities, and information about the property if you have already found one. If you are self-employed, you may need to provide additional documents such as business financials. digilend will give you a clear checklist based on your specific situation so you know exactly what to pull together before we get started. Being prepared upfront can help things move along more smoothly.
Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for all sorts of reasons. Some want to access the equity they have built up in their property, others want to consolidate debts, and some simply want to review whether their current loan still suits their needs. It is worth noting that refinancing is not always the right move for everyone, and there can be costs involved such as exit fees or application fees for a new loan. digilend can help you look at your current situation and weigh up whether refinancing could make sense for you. We will give you a clear picture so you can make an informed decision.
Yes, digilend works with self-employed clients regularly. We understand that being your own boss can make the loan application process feel a bit more complicated, because your income might look different on paper compared to someone who receives a regular payslip. Different lenders have different ways of assessing self-employed income, and some are more accommodating than others. We know which lenders are more likely to look favourably at self-employed applicants and what documentation you will typically need to support your application. Things like tax returns, business financials, and bank statements are often part of the picture. We will help you get your paperwork in order and put your best foot forward.
The deposit required can depend on a number of factors including the lender, the type of loan, and your overall financial situation. A deposit of 20% of the property purchase price is often seen as a common benchmark, but there are options available for people with smaller deposits. Some lenders may accept a lower deposit, though this can sometimes mean additional costs such as lenders mortgage insurance. There are also government schemes that may be worth looking into depending on your eligibility. digilend can help you understand what your deposit situation means for your options and what lenders may be willing to consider. We will always give you a clear picture of what is involved.
The timeline can vary quite a bit depending on your situation, the lender involved, and how quickly documents can be gathered and verified. Generally speaking, getting pre-approval can take anywhere from a few days to a couple of weeks, while full approval after you have found a property can take a similar amount of time. Some lenders move quicker than others, and having all your documents ready can help things move along. digilend will keep you updated throughout the process so you always know where things are at. We will also let you know upfront what to expect based on your specific circumstances so you are not left wondering what is happening.
In most cases, digilend is paid a commission by the lender when a loan is settled. This means that in many situations you do not pay us directly for our broking service. However, we believe it is important that you understand exactly how we are paid and any fees that may apply to your situation before we get started. We are required by law to be transparent about our remuneration, and we take that seriously. We will always explain how we are paid as part of our process so there are no surprises. If you have any questions about this at any point, just ask us and we will walk you through it clearly.
digilend can assist with a wide range of lending needs. This includes home loans for people buying a property, refinancing for those who want to review their current loan, investment property loans, car and asset finance, personal loans, and business lending. We work with a broad panel of lenders, which means we can look at options across different loan types rather than being limited to just one product or one bank. Every person's situation is different, so we take the time to understand what you are trying to achieve before we start looking at what might be available to you. If you are not sure whether we can help, just reach out and ask.
Absolutely. digilend works with clients right across the Gold Coast and Greater Brisbane region. Whether you are based in Surfers Paradise, Robina, Palm Beach, Southport, Nerang, Mermaid Waters, Bundall, Merrimac, Ashmore, Clayfield, Windsor, Miami, or anywhere nearby, we are here to help. We understand that people in these areas have different needs and circumstances, and we take the time to understand yours before we do anything else. You do not have to travel far or deal with someone who does not know your local area. digilend is right here in your community and ready to have a chat.
A finance and mortgage broker like digilend works as the go-between for you and a range of lenders. Instead of you having to contact multiple banks or lenders yourself, we do that legwork for you. We look at your situation, figure out what you need, and then search through a panel of lenders to find options that could suit you. We handle a lot of the paperwork, communication, and follow-up so you are not left doing it all on your own. Whether you are buying your first home, refinancing, or looking at a business loan, having a broker in your corner can make the whole process a lot more manageable.
If your business is ready to invest in new equipment, vehicles, or machinery, digilend can help you explore your asset finance options. Book an appointment with our team and we will work through the finance structures available to you.
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