5.0 from 12 Reviews
What Is Asset Finance?
Asset finance is a funding solution that allows businesses to acquire the equipment, vehicles, and machinery they need without tying up large amounts of working capital. Rather than paying the full purchase price upfront, businesses spread the cost over time through fixed monthly repayments, making it easier to manage cashflow while still accessing the tools required to operate and grow. At NMS Finance Solutions, we help businesses across Australia access asset finance options from banks and lenders across Australia, matching each client with a structure that suits their specific situation.
For businesses buying new equipment or upgrading existing equipment, asset finance removes the need to drain reserves or take on unsecured debt. Whether you are looking at commercial equipment finance for office equipment, medical equipment finance for a clinic, hospitality equipment finance for a venue, or technology equipment finance for a growing tech operation, NMS Finance Solutions works with a wide panel of lenders to find a fit.
Types of Equipment and Assets We Can Help Finance
NMS Finance Solutions works with businesses across a broad range of industries and asset categories. On the commercial vehicle side, commercial vehicle finance covers everything from a single truck or trailer through to full fleet finance arrangements for businesses managing multiple work vehicles. In construction and civil works, construction equipment finance covers excavators, tractor units, graders, cranes, and dozers. Specialised machinery used in manufacturing, agriculture, and logistics can also be financed through asset based lending structures.
The loan amount available will depend on the type of asset, its value, the lender's criteria, and the financial position of the borrowing entity. NMS Finance Solutions takes the time to understand your business needs before recommending a structure, so you are not left with a product that does not suit your circumstances.
Finance Structures Available
There are several finance structures available under asset finance, and the right one depends on how your business intends to use the asset, how long you plan to hold it, and how you want to treat it for tax and accounting purposes.
A chattel mortgage is one of the most common structures for business use. The business takes ownership of the asset at the time of purchase, and the lender holds a mortgage over it as collateral. This structure typically allows the business to claim the GST treatment upfront and may offer depreciation benefits depending on your accountant's advice.
A finance lease allows the business to use the asset over the life of the lease while the lender retains ownership. At the end of the term, there is usually an option to purchase, extend, or return the asset. This can suit businesses that want to preserve working capital and maintain an upgrade cycle without committing to ownership.
An operating lease is similar but typically used for shorter-term arrangements where the business does not intend to own the asset at the end. This can be useful for technology equipment finance where assets become outdated quickly and businesses want to access the latest equipment without the burden of depreciation on the balance sheet.
A novated lease is generally used in the context of vehicle finance for employees, where the lease payments are made from pre-tax salary. This can form part of a broader fleet finance or salary packaging arrangement.
Hire Purchase is another option where the business makes regular repayments and takes full ownership of the asset at the end of the term. This suits businesses that want a clear path to ownership with predictable fixed monthly repayments throughout the loan term.
Vendor finance and dealer finance arrangements are also available in some cases, where the supplier or dealer provides funding directly or through a preferred lender. NMS Finance Solutions can help you assess whether these options are competitive or whether going to market through a broker gives you a stronger outcome.
Why Asset Finance Matters for Business Growth
Preserving capital is one of the most important financial disciplines for any business. Committing large sums to a single machinery purchase or vehicle acquisition can leave a business exposed when unexpected costs arise. Asset finance allows businesses to preserve capital and direct cash reserves toward operations, staffing, or other growth priorities.
The tax benefits associated with certain asset finance structures, including depreciation claims and GST treatment, can also improve the overall cost position of the finance. NMS Finance Solutions works alongside your accountant or financial adviser to ensure the structure chosen aligns with your broader tax position, though specific tax advice remains the domain of your accountant.
For businesses with an existing equipment finance arrangement, it is worth reviewing whether the current structure still suits your needs, particularly if your asset base has grown or your cashflow profile has changed. NMS Finance Solutions can also assist with business loans and commercial loans where asset finance alone does not cover the full scope of your funding requirements.
NMS Finance Solutions is based in Rhodes and works with clients across Australia, providing access to a broad panel of lenders and a straightforward approach to business equipment funding. The focus is always on finding a structure that supports your business, not just processing a transaction.
Step 1: Get in Touch
Reaching out is the first step toward your financial goals. You can contact us by phone, email, or through our online enquiry form. We make it easy to get the conversation started, no matter where you are in Australia.
Step 2: Initial Consultation
We take the time to sit down with you, either in person at our Rhodes office or virtually, to understand your situation. We listen to your goals, your concerns, and what you are hoping to achieve. This is your chance to ask questions and get a feel for how we work.
Step 3: Fact Finding and Assessment
Once we understand your goals, we gather the details we need to assess your financial position. This includes your income, expenses, assets, liabilities, and any other relevant information. We keep this process straightforward and stress-free.
Step 4: Research and Strategy
With a clear picture of your situation, we get to work. We research the market and compare products from a wide range of lenders to find options that suit your needs and budget. We do the legwork so you do not have to.
Step 5: Present Your Options
We present you with a clear and easy-to-understand summary of your best options. We walk you through the features, costs, and benefits of each, so you can make a confident and informed decision.
Step 6: Application and Approval
Once you have chosen the right product, we prepare and lodge your application on your behalf. We manage the process with the lender, keep you updated every step of the way, and work hard to secure a fast and smooth approval.
Step 7: Settlement and Beyond
After approval, we guide you through to settlement and make sure everything goes to plan. But our support does not stop there. We stay in touch to review your finance as your circumstances change, because we are here for the long term, not just the transaction.
I cannot speak highly enough of this incredible team. They went above and beyond my expectations every step of the way, and their professionalism, knowledge, and genuine commitment to achieving the best possible outcome were outstanding. The level of care, attention to detail, and expertise they provided made the entire experience exceptional. It is rare to find a team that combines such a high level of financial expertise with truly outstanding service. I am incredibly grateful for everything they have done and would not hesitate to recommend them to anyone looking for knowledgeable, trustworthy, and dedicated financial professionals. An absolutely exceptional team!
Ari Huffines
An extraordinary team of genuinely hard-working, diligent, and compassionate people. Their commitment to helping and supporting those they work with is exceptional, and it is clear that they will do everything humanly possible to achieve the best outcome for you. What stands out most is not only their professionalism and expertise, but the genuine care, persistence, and dedication they bring to their work. They go above and beyond, and their efforts do not go unnoticed. I cannot speak highly enough of this team. I have the utmost respect for the work they do and am deeply grateful for the support, commitment, and humanity they have shown. I would recommend them without hesitation and hold them in the highest regard.
David Huffines
A fast and clear communication with an outstanding result. I want to thank the entire NMS Finance team for Your outstanding service.
Bef Wolelo
⭐️⭐️⭐️⭐️⭐️ We had an incredible experience working with NMS Finance Solutions. They expertly secured a consolidation loan for us, making the process smooth and stress-free. Their professionalism, attention to detail, and dedication to finding the best solution for our needs were outstanding. We highly recommend NMS Finance Solutions to anyone looking for a reliable and effective broker. Thank you for your exceptional service!
Amy Koller
In most cases, mortgage brokers in Australia are paid a commission by the lender when a loan is settled. This means that in many situations, there is no direct cost to you for using our services. The commission structure is regulated in Australia, and brokers are required to act in your best interests under the Best Interests Duty legislation. At NMS Finance Solutions, we are transparent about how we are paid, and we will always disclose this information to you clearly before you proceed. In some circumstances, such as with certain commercial or specialist lending, a fee may apply. We will always discuss this with you upfront so there are no surprises. Our goal is to make sure you feel informed and confident every step of the way.
The documents required can vary depending on your employment type, the type of loan you are applying for, and the lender involved. Generally speaking, most lenders will ask for proof of identity, recent payslips or tax returns, bank statements, details of any existing debts or liabilities, and information about the property you are looking to purchase. If you are self-employed, you may need to provide additional documentation such as business financial statements or BAS statements. At NMS Finance Solutions, we will walk you through exactly what is needed for your specific situation so you are not left guessing. We help you prepare your application thoroughly, which can make the process smoother when it comes to dealing with the lender.
Choosing the right broker comes down to trust, communication, and genuine care for your outcome. At NMS Finance Solutions, we pride ourselves on being approachable and honest with every client we work with. We take the time to listen before we make any suggestions, and we make sure you understand your options clearly before you make any decisions. We work with clients across Australia and have experience across a wide range of lending situations, from straightforward home purchases to more complex commercial and investment scenarios. We are not here to rush you through a process. We are here to support you in making informed decisions that are right for your circumstances. If you would like to get a feel for how we work, we welcome you to reach out for an obligation-free conversation.
Having a less than perfect credit history does not automatically mean you cannot access finance. There are lenders in Australia who specialise in working with borrowers who have had credit issues such as defaults, late payments, or a previous bankruptcy. At NMS Finance Solutions, we take the time to understand your full financial picture before making any recommendations. We do not make assumptions, and we do not judge. Our role is to look at your current situation honestly and explore what options may be available to you. We want to be upfront with you about what is realistic, and we will always give you an honest assessment rather than tell you what you want to hear. If you are unsure where you stand, the best first step is to have a conversation with us.
The timeline for a home loan can vary depending on a number of factors, including the lender you are applying with, the complexity of your situation, and how quickly all required documents can be gathered. In general, once a complete application is submitted to a lender, formal approval can take anywhere from a few days to a few weeks. At NMS Finance Solutions, we work to keep things moving by staying in regular contact with lenders and keeping you updated along the way. We also help you prepare your application as thoroughly as possible from the start, which can reduce delays caused by missing information. We recommend reaching out to us as early as possible in your planning process so we have enough time to work through everything properly.
When you go directly to your bank, you are only seeing the products that particular bank offers. A mortgage broker like NMS Finance Solutions has access to a panel of lenders, which means we can look across multiple options on your behalf. This gives you a broader view of what may be available to you, rather than being limited to one institution's products. We also take the time to understand your personal circumstances before recommending any direction, which means the conversation is tailored to you. Banks are focused on their own products, whereas our focus is on finding a loan structure that suits your situation. We also handle much of the communication and administration involved, which saves you time and effort.
A finance and mortgage broker acts as the link between you and a wide range of lenders. Rather than you having to approach banks and lenders one by one, a broker does that work on your behalf. At NMS Finance Solutions, we take the time to understand your situation, your goals, and what you are looking to achieve. We then research suitable loan options from our panel of lenders and present you with choices that may suit your needs. We handle the paperwork, liaise with lenders, and keep you informed throughout the process. Our role is to make the experience as clear and straightforward as possible, whether you are buying your first home, refinancing, or looking at a commercial loan.
Absolutely. While NMS Finance Solutions is based in Rhodes, New South Wales, we work with clients right across Australia. Thanks to phone, email, and video calls, we can have meaningful conversations with you no matter where you are located. Whether you are in Melbourne, Brisbane, Perth, or a regional area, we are set up to assist you with your finance needs. Distance is not a barrier to getting quality support and guidance. We are committed to making sure every client, regardless of location, receives the same level of attention and care. If you are ready to get started or just want to have a chat about your options, reach out to us and we will take it from there.
NMS Finance Solutions assists clients with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing of existing loans, construction loans, and loans for self-employed borrowers. We also assist with commercial finance, asset finance, and equipment finance for business owners. Whether you are purchasing your first property, looking to grow a property portfolio, or need funding for your business, we have the experience to help you explore your options. Every situation is different, so we always start with a conversation to understand what you are trying to achieve before we look at what lending options may be worth considering. No question is too small, and we welcome enquiries at any stage of your planning.
Refinancing means replacing your existing loan with a new one, either with your current lender or a different one. People refinance for a range of reasons, including accessing different loan features, consolidating debts, or adjusting their loan structure to better suit their current circumstances. It is not something that suits everyone, and there are costs involved in refinancing that need to be weighed up carefully. At NMS Finance Solutions, we can help you look at your current loan and compare it against what else may be available, so you can make an informed decision. We do not push refinancing as a solution unless it genuinely makes sense for your situation. If you are curious about whether refinancing could be worth exploring, we are happy to have that conversation with you.
If your business is looking to acquire vehicles, machinery, or equipment, NMS Finance Solutions can help you find a finance structure that fits your business needs and preserves your working capital. Talk to Nat from NMS finance solutions at a time that suits you.
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