Car & Asset Finance

Car & Asset Finance2026-04-27T16:03:22+10:00

Tailored – Strategic – Personal

commercial & consumer finance

Whether you are running your own business or simply need a loan for a vehicle we are able to provide you with a wide range of flexible solutions including the best options in the market.

MJ Financial Chiefs have access to a wide range of financial institutions that can help you get the best deals available.

Advice – Options – Outcomes

vehicle & asset finance

When dealing with our clients we take a lot of pride in getting them the best available option in the market. Our business is based on referrals and for us to earn a referral we need to provide the best possible experience for each and everyone of you.

The photos on this page are just a couple of the happy clients who have managed to secure finance for work machinery and to purchase a vehicle.

Just to note some of the finance types we have available include:

  • Chattel Mortgage (Commercial Loan)
  • Finance Lease
  • Novated Lease
  • Consumer Loan

Strategy – Structure – Success

Why Use a Broker for Asset or Business Finance?

Finance structures for vehicles, equipment and commercial needs can vary significantly between lenders.

Working with a broker provides access to a broader range of lenders and lending structures, helping ensure the finance solution aligns with your goals, cashflow and business requirements.

We assist by:

  • comparing lender options
  • structuring finance appropriately
  • guiding you through the application process

Our goal is to make the process straightforward while helping you secure a solution that fits your circumstances.

How our asset finance process works

For personal and asset finance, we work closely with a specialist partner who operates as an extension of our team.

You may be introduced to Josh from Broli, our trusted partner in this space. Broli provides access to over 50 banks and non-bank lenders, with more than 90 finance products, allowing us to source competitive and tailored solutions for your needs.

While Josh may contact you under the Broli name, he works closely alongside us, and we remain involved throughout the entire process to ensure everything runs smoothly from start to finish.

What we need to get started

  • What is the asset is you’re wanting to purchase
  • Timeline: Is the asset ready for pick up now or available in 6 to 12 months
  • If you’re your client currently employed or Self Employed
  • Do you have any credit infringements, defaults or bankruptcies

  • Are you asset backed
  • Do you have a deposit
  • ID & other documents such as valid drivers license, medicare card, pay slips, company financials

Frequently Asked Questions (FAQ)

Still have questions? Get in touch if you need to know more.

Are there different types of finance structures available?2026-04-27T14:21:36+10:00

Yes, there are several ways to structure asset and vehicle finance, including:

  • standard loan agreements
  • lease arrangements
  • commercial hire purchase

The right structure will depend on your goals, cashflow and whether the asset is for personal or business use.

What interest rates apply to asset finance?2026-04-27T14:20:58+10:00

Interest rates vary depending on factors such as:

  • the type of asset
  • loan structure
  • your financial position
  • whether the finance is personal or business

We can help compare options to find a solution that suits your situation.

How long does approval take?2026-04-27T14:20:09+10:00

Approval timeframes can vary, but many asset and vehicle finance applications can be processed relatively quickly, sometimes within a few days.

More complex commercial applications may take longer depending on the documentation required.

Do I need a deposit?2026-04-27T14:19:51+10:00

Not always.

Some finance options allow you to borrow the full purchase price, while others may require a deposit depending on the lender, asset type and your financial position.

Can I get finance through my business?2026-04-27T14:19:05+10:00

Yes, many lenders offer finance solutions specifically for businesses, including sole traders, partnerships and companies.

The structure of the loan will depend on factors such as your business financials, trading history and the type of asset being purchased.

What’s the difference between consumer and commercial finance?2026-04-27T14:18:47+10:00

Consumer finance is typically used for personal purchases, such as a car for everyday use.

Commercial finance is designed for business purposes, such as vehicles, machinery or equipment, and may offer different structures and tax considerations depending on your circumstances.

How does vehicle or asset finance work?2026-04-27T14:18:34+10:00

Different structures may be available depending on whether the finance is for personal or business use.

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