Asset Finance tailored to your business
If you need to quickly scale up and seize new opportunities, or transform your business with new tech – we’re on-hand to make it happen.
Designing the right solution
Tailored financing solutions that are customised to match a business's specific goals and needs can make all the difference when it comes to success. By partnering with Vestone Capital’s team of trusted equipment loan lenders, businesses can secure the funding they need to invest in critical projects and expand their operations. Whether a business is looking to set the pace in their industry, maintain their current momentum, or pivot in a new direction, having access to flexible and customised asset finance solutions can make all the difference.
We strive to understand your goals
You gain flexibility when choosing Vestone Capital.
Unlike other financiers, we’re not ‘square peg, round hole’. We start by understanding your business goals – matching the right product and service to your needs.
Length of term
Short-term? Something a little longer? We’ve got you covered. Choosing the right type of finance to suit the term you need for equipment or technology, provides you with more options, both now and at the end of your agreement.
Repayments
Your business goals are diverse. Whether consolidating your technology and implementation costs into a single repayment, or matching a current repayment plan – we can design the right product to suit your business financials.
Type of asset
From office technology and energy equipment through to business software, we will help you design the right commercial finance product.
Staying up to date
Times are changing, we know it’s important to have the flexibility to stay up to date with the latest technology and equipment.
Our finance products
We won’t box you in – it’s what makes us different.
Understanding your business goals helps us work with you to tailor the right finance for your needs. With the right solution, your repayments and length of term are set at the perfect pace for you.
Options
- Select a term from 12 to 84 months
- Choose to pay your repayments either monthly or quarterly
- Our operating lease and rental solutions offer streamlined approvals, that may not require financials
Suitability
- Ideal for those intending to use equipment for business purposes and looking for a potential off balance sheet solution
- Suited to businesses requiring the latest tech, while ensuring flexibility to return, continue renting or purchase the equipment
- Perfect for tech and equipment that may quickly become out-dated.
Benefits
- Eliminate any disposal risk when you use Vestone Capital’s end of term asset lifecycle management services
- Secure the equipment your business needs today, by spreading the cost of the equipment over time to better manage your cashflow.
- The rental repayments may be tax deductible for your business.
- Benefit from a single consolidated payment when you choose to bundle your technology and associated costs (installation, warranty, and software).
Chattel Mortgage
(Commercial Equipment Loan)
Options
- Select a term from 12 to 84 months
- Take advantage of an optional deposit
- Choose to pay your repayments either monthly or quarterly
- Take advantage of our streamlined approvals, that may not require financials
Suitability
- A solution if you need equipment for longer and don’t require it refreshed or upgraded as regularly.
- Ideal if you wish to own the asset at the end of the finance term.
Benefits
- Reduce your monthly repayment when you use the option to pay a deposit
- Interest payments may be tax deductible and tax depreciation may be available for your business.
Options
- Select a term from 12 to 84 months
- Choose to pay your repayments either monthly or quarterly
- Take advantage of our streamlined approvals, that may not require financials
Suitability
- Ideal for those intending to use equipment for business purposes
- A solution if you need equipment for longer and don’t require it refreshed or upgraded as regularly.
- Ideal if you wish to own the asset at the end of the finance term.
Benefits
- Secure the equipment your business needs today, by spreading the cost of the equipment over time to better manage your cashflow
- Gain more certainty with fixed repayments up-front
Options
- Select a term up to 36 months
- Choose from our pre-approved list of software providers
Suitability
- Ideal for businesses wanting to invest capital into income generating assets rather than software licences
- Perfect for companies wanting to upgrade their systems and applications
Benefits
- Spread the up-front cost of your software licences over time
- Use our Software Loan without requiring hardware
You get more choice
The Vestone Capital difference
How businesses purchase and use their business-critical assets has changed. It is about time the finance industry changed as well. Your options do not need to end with the type of finance you choose. Taking your situation into account, our Vestone Capital team can provide more choice.
Asset lifecycle management
Owning and managing technology can be difficult and time-consuming. Our asset lifecycle management solutions allow you to refresh your hardware and seamlessly dispose of out-date equipment – allowing you to focus on what’s important.
Managed services
With deep expertise in technology finance, we understand the importance of providing managed service options ideal for businesses who require simple and flexible hardware and services solutions.
Complete finance solutions
Gain even more flexibility to tailor a finance solution to your business goals, with access to our escrow facilities, dial-up and dial-down options, sale-and-leaseback, and usage-based solutions.
Relationships. Built on trust.
We can move faster – and work smarter – together. Keeping in sync with the needs of our clients, brokers and vendors is crucial to how we do things. You can trust us to be there for you – and to prove time and time again why you’ve put your trust in us.
Frequently asked questions
How do I determine the best financing option for my business?
When it comes to financing your business, there are many options to consider. One of the most important factors to consider is the type of assets that your business uses, as this can significantly impact your financing options.
If your business requires funding for assets such as equipment, vehicles, or machinery, then asset finance loans may be the best option for you. Asset finance loans are designed specifically to provide businesses with the capital they need to purchase or lease assets that are critical to their operations. With an asset finance loan, you can access the equipment you need to grow your business without having to pay for it all at once.
At Vestone Capital, we understand that every business is unique, and therefore, we take the time to understand your specific needs before recommending the best financing options. Our team of experienced financial advisors will work with you to determine the most suitable financing solution for your business.
Do you offer financing for used equipment?
Yes. Vestone Capital offers financing for used equipment, subject to certain age restrictions. We understand that used equipment can often be a more cost-effective option for businesses looking to acquire assets while managing their cash flow. However, we also recognise that older equipment can be less efficient and less environmentally friendly, which is why we have certain age restrictions in place.
How long will it take for my application to be approved?
At Vestone Capital, we understand that time is of the essence when it comes to financing for your business. That’s why we aim to provide fast and efficient service to all of our clients. When it comes to approving your application, our experienced team of equipment loan lenders will aim to provide you with an answer within two business days
What documentation will my business need to provide?
Vestone Capital has a dedicated, low doc credit matrix for businesses. To apply, you will typically need to provide information such as your contact details, business details, and the details of the asset you wish to purchase. No financial records are required to apply for our asset finance loans.
What happens at the end of my lease term?
You have a few options at the end of your lease term, including a loan for equipment purchase and several other options:
Chattel Mortgage: You can take on a chattel mortgage, by which you receive funds to purchase a particular asset, and that asset becomes the security for the loan. At the end of the contract term, considering all mortgage payments are made, you will receive full ownership of this device. Operating Lease: You could also opt for an operating lease, by which you make payments only based on the use of the equipment in question. With this option, you will not be able to purchase the equipment but rather agree to pay per use.
Get in touch
Striking the right balance between speed and smarts can mean the difference between getting ahead or falling behind. By teaming up with Vestone Capital, you’ll discover financing solutions that fit exactly how you need them to.
Are you looking for finance?
Speak with your commercial finance broker about Vestone Capital.
