The gear that grows your business. Funded properly.
Fund what your business needs without draining your cash flow.
ASSET AND COMMERCIAL FINANCE MADE SIMPLE
When your business needs a new vehicle, equipment, or a bigger premises, the last thing you want is to drain your cash flow to pay for it. That's where asset and commercial finance comes in. At STE Lending, we help you fund what your business needs while keeping your working capital where it belongs.
We work closely with our referral partners at Nectar Asset Finance, which means you get access to a wide panel of lenders and specialists who live and breathe this kind of funding.
A bank can only offer you their products. We look at the whole market and find the structure that suits your business.
Whether you're buying a single ute or fitting out an entire premises, I'll walk you through your options in plain English and make sure the finance fits your goals, not just the lender's.
What we can help fund
- Motor vehicles — Cars, utes, trucks and fleet. New or used, for a single vehicle or your whole operation.
- Plant and equipment — Machinery, tools, and the gear that keeps your business running and growing.
- Technology and fit-out — Computers, point of sale systems, and the cost of fitting out a new space.
- Commercial property — Funding to buy, refinance, or develop the premises your business operates from.
- Business and working capital — Finance to smooth cash flow, fund growth, or take on the next opportunity.
How the finance can be structured
Every business is different, so the right structure depends on your situation, your tax position, and your plans. As accountants and brokers, we look at the whole picture, not just the repayment.
- Chattel mortgage — You own the asset from day one while the lender holds the loan against it. Often the go-to for business vehicles and equipment.
- Finance lease — The lender owns the asset and you pay to use it, with options at the end of the term.
- Commercial loans — Tailored funding for property and larger business needs, structured around your cash flow.
The STE edge
Here's what sets us apart. We're not just brokers, we're accountants too. That means we understand the tax treatment, the GST, and the cash flow impact of every finance decision before you sign.
You get someone who reads your numbers properly and structures your finance to suit where your business is headed.
Thinking about asset or commercial finance
Book a chat with me.
I'll help you understand your options, what your repayments look like, and which lenders suit your goals. Through our referral partners at Nectar Asset Finance, we line up the right choices and make the whole process simple.
You get clear guidance, ongoing support, and finance that works for your business, not against it.
Thinking about asset or commercial finance?
Book a chat with me. I'll help you understand your options, compare lenders, and structure the finance to suit your business goals.
Frequently asked questions
Common questions about asset and commercial finance.
What is asset finance?
Asset finance is a way to fund vehicles, equipment, or technology without paying the full cost upfront. You spread the cost over time while the asset earns its keep in your business. It helps you protect your cash flow and keep growing.
What's the difference between a chattel mortgage and a lease?
With a chattel mortgage you own the asset from day one and the loan is secured against it. With a lease, the lender owns the asset and you pay to use it, with options at the end of the term. The right choice depends on your tax position and your plans, which is something we talk through with you.
Can I finance a commercial property through STE Lending?
Yes. We help you fund the purchase, refinance, or development of your business premises. Through our referral partners at Nectar Asset Finance, we compare lenders and structure the loan around your cash flow and goals.
Can I claim asset finance on my tax?
In many cases there are tax benefits depending on the structure you choose and how the asset is used. Because we're accountants as well as brokers, we help you understand the tax and GST impact before you commit, so there are no surprises.
Do you only finance new assets?
No. We can help fund new and used vehicles and equipment, whether it's a single purchase or a full fleet. I'll show you the options that suit your business and your budget.
Asset and commercial finance services are provided through our referral partner Nectar Asset Finance.