Asset finance lets you buy the equipment or vehicles your business needs, and pay for them over time. You keep your cash in the business where it belongs. The asset itself is typically used as security — no need to put up your home or property.
Asset finance is commonly used across transport, construction, agriculture, healthcare, and manufacturing industries, where reliable equipment plays a critical role in daily operations.
Our experience across asset-intensive industries allows us to structure finance that reflects how businesses actually operate.
Depending on the asset and your business requirements, asset finance can be structured using a range of flexible funding and payment options. At GVK Finance, we arrange asset finance solutions that are aligned with how your business operates, generates income, and plans for growth.
We arrange:
Each solution is assessed based on your cash flow, asset type, tax considerations, and long-term business objectives to ensure the finance structure supports sustainable growth.
Tell us what you need — the asset, the amount, and how your business works
We match you with the right lender and structure a deal that fits your cash flow
We handle the paperwork and keep you updated throughout
We settle the loan and stay available for your next purchase
Approval timeframes depend on the asset type, lender requirements, and the information provided.
In many cases, we can obtain indicative approvals within 24–48 hours once key details are received.
More complex transactions or specialised assets may take longer, particularly where additional financial information or structuring is required.
In most asset finance transactions, the asset being purchased is used as security for the loan.
This means you typically do not need to provide property as security.
Depending on the lender and structure, additional security or guarantees may be required, particularly for:
Interest rates vary depending on:
Because we work with multiple lenders, we aim to secure competitive rates and structures aligned to your business needs.
Asset finance is often more suited to equipment and vehicle purchases because:
A standard business loan may be more appropriate for:
We help determine the best option based on your specific requirements.
Limited credit history does not automatically prevent approval.
Some lenders will consider applications based on:
Additional information or security may be required, and we will guide you through suitable options based on your situation.
Yes, we can arrange finance for both new and used assets.
Lenders may apply different criteria depending on the age and condition of the asset, but there are often flexible options available.
Yes, we can assist startups, although lending criteria is typically stricter.
Applications are usually assessed based on:
We will structure your application to present it in the strongest possible way.
Initial discussions and indicative assessments do not usually impact your credit score.
A formal application to a lender may involve a credit check, which we will discuss with you before proceedin
As an independent broker, we:
This often results in better outcomes than approaching a single lender directly.
