Asset Finance and Hire Purchase

Strengthen Your Business Infrastructure

SMC Finance delivers tailored asset and hire purchase solutions to empower Australian businesses in acquiring essential equipment and vehicles without straining cash flow. Our strategic approach combines competitive terms with expert guidance, ensuring you own the assets that drive growth.

Preserve capital via low upfront costs and fixed payments.

Constrained Working Capital

Tax savings from interest deductions and asset depreciation.

Fragmented Debt Structures

Fragmented
Debt Structures

Full ownership at term end for lasting equity.

Acquisition Ambitions

Flexible 12-84 month terms matching asset life and business needs.

What We Bring

Expert advisory on tailored Asset and Hire Purchase structures matching your cash flow and growth needs.

Access to competitive rates from a broad lender panel, including non-bank options for optimal terms.

Comprehensive modelling of repayments, tax benefits (GST upfront, interest deductions), and ownership transfer.

End-to-end execution: asset procurement, funding setup, compliance, and risk mitigation like residual values.

Independent insights to integrate with existing debt, avoiding common pitfalls in equipment financing.

Who We Bring It For

SMEs scaling operations with vehicles, machinery, or plant equipment.

Corporates looking to expand their vehicle fleets and construction companies requiring yellow goods or specialised equipment

Businesses in competitive sectors (agriculture, manufacturing, healthcare) seeking tax-efficient growth capital.

Established entities with viable cash flows, prioritising working capital preservation over outright purchases.

Australian firms nationwide aiming for flexible terms (12-84 months) and full ownership post-term.

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