Asset Finance.
Finance the assets that drive your business - trucks, fleets, equipment, machinery, and farm assets - without tying up working capital. Co-Pilot Finance & Insurance searches 60+ lenders to find the right structure at the most competitive rate for your asset and business profile.
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Won't affect your credit score.
What can we help you with?
Our Solutions
Asset Finance for Every Business
From single vehicles to full equipment portfolios - we find the right finance for the assets your business depends on.
Finance Structures
The right structure for your asset and tax position.
Asset finance isn't just about the rate - the structure determines how the asset appears on your balance sheet, when you can claim GST, and what you can deduct at tax time. Choosing incorrectly can cost more than a higher rate.
Our brokers explain each option clearly so you understand the implications before you sign - and we always recommend based on your specific circumstances, not what's easiest to sell.
Chattel Mortgage
You own the asset from day one, with the asset used as security. GST claimable upfront, interest and depreciation tax deductible. The most common structure for business asset purchases.
Hire Purchase
The lender owns the asset during the loan term - you take ownership at the end. Fixed repayments with a clear path to full ownership.
Finance Lease
The lender retains ownership throughout the lease term. Lease payments are fully tax deductible as a business expense. Asset stays off your balance sheet.
Operating Lease
An all-in structure that bundles finance with maintenance, tyres, and registration. Ideal for fleets - fixed monthly cost, no residual value risk, asset off balance sheet.
Why Co-Pilot
The asset finance broker that finds the right lender for your specific asset.
Not all lenders are equal when it comes to asset finance. The lender best suited to finance a new excavator is rarely the best option for a fleet of delivery vans or a used tractor. We know which lenders specialise in which assets - and we use that knowledge to find you the most competitive terms.
- 60+ lenders including specialist asset finance and commercial vehicle providers
- We match each asset type to the lender best suited to finance it
- Tax-effective structuring - chattel mortgage, lease, or hire purchase based on your position
- New and used assets financed across all major categories
- Fleet facilities for multi-vehicle and multi-equipment purchases
- Fast approvals - 24–48 hours for straightforward applications
FAQ
Common Questions About Asset Finance
Finance the Assets
Your Business Needs.
Not sure which asset finance product is right for your situation? Talk to our team - we'll assess your needs and find the right structure and lender across our full panel of 60+ lenders.