Asset Finance & Working Capital - Overview

FGO Finance Group helps businesses acquire the assets they need and access the working capital to keep operations running. Whether you're looking to fund equipment through a chattel mortgage, finance lease, or rental arrangement, or need a working capital facility to manage cash flow and fuel growth, we structure solutions across a panel of specialist lenders - with asset finance approvals typically from 24 hours.

What is Asset Finance?

Asset finance is a category of business lending that helps you acquire assets - from vehicles and machinery to IT systems and medical equipment - without paying the full cost upfront. Instead of tying up working capital, you spread the cost over a fixed term, typically between one and seven years, while using the equipment from day one.

Because the equipment itself serves as security for the loan, approvals are typically faster and simpler than unsecured business lending. Lenders focus on the asset's value and your ability to service the repayments, which often means less paperwork and quicker turnaround times than traditional business loans.

What is Working Capital Finance?

Working capital finance provides businesses with flexible access to cash for day-to-day operations, growth initiatives, and managing the gap between invoicing and receipt of payment. Unlike asset finance, working capital facilities are not tied to a specific piece of equipment. They are structured around your business's trading patterns, revenue cycle, and overall financial position.

Common working capital products include business overdrafts, trade finance, invoice finance (also known as debtor finance), and unsecured business lines of credit. These facilities give businesses the ability to take on new contracts, manage seasonal fluctuations, and invest in growth without waiting for receivables to clear.

Lenders assess working capital facilities based on your business's trading history, revenue, and cash flow - and for products like invoice finance, based on the quality of your receivables book.

How FGO Helps

As an independent brokerage, we have access to specialist asset finance providers that deal exclusively in equipment lending, as well as lenders offering working capital facilities across a range of structures. That breadth of access means we can match your situation - whether you are an established company upgrading a fleet, a growing business that needs to unlock cash tied up in receivables, or a newer business buying its first major asset - with the right lender and the right structure.

We work quickly. Most asset finance applications can be submitted same-day, and many lenders offer approval within 24 to 48 hours. For working capital facilities, we assess the right product for your business and coordinate the application efficiently. We also work closely with your accountant to ensure the structure you choose aligns with your tax and cash flow strategy.

"Whether you need to acquire an asset or unlock working capital, the right finance structure can make the difference between a business that grows and one that stalls. We work to find the structure that keeps your cash flow healthy and your growth on track."

Jonathan Chan

Director, FGO Finance Group

What We Offer

Asset Finance

Chattel mortgages

$0 deposit options

Vehicle and fleet finance

Construction and earthmoving equipment

Medical and dental equipment finance

IT and technology asset finance

Working Capital

Business overdrafts and lines of credit

Invoice finance and debtor finance

Trade finance

Unsecured working capital loans

Who This Is For

Businesses purchasing vehicles, fleet, or specialist equipment
Construction companies acquiring machinery and earthmoving equipment
Medical and dental practices upgrading or expanding their equipment
Manufacturers investing in production equipment
Businesses managing seasonal cash flow fluctuations
Businesses looking to take on larger contracts that require upfront capital
Businesses with strong receivables that want to unlock cash without waiting on payment

Our Process

Free Consultation

Discuss what you need and the best finance structure for your situation.

Quote Comparison

Compare rates and terms across specialist lenders to find the best deal.

Application

Simple application process - often submitted and processed same-day.

Approval

Fast approvals, often within 24 to 48 hours for straightforward applications.

Settlement

Equipment delivered and finance settled - you are ready to go.

Frequently Asked Questions

Should I lease or buy equipment?

Leasing preserves cash flow and may offer tax advantages through fully deductible lease payments. Buying (via a chattel mortgage or hire purchase) lets you claim depreciation and own the asset outright. The best option depends on your cash flow, tax position, and how long you'll use the equipment. We model both scenarios for you.

Do I need a deposit for equipment finance?

Not always. Many equipment finance products are available with no deposit for established businesses with good credit. Some lenders offer 100% financing including GST. Newer businesses or higher-risk assets may require 10-20% deposit. We find lenders whose deposit requirements match your situation.

What equipment can be financed?

Almost any business asset: vehicles (cars, trucks, utes), construction machinery, medical and dental equipment, manufacturing equipment, IT hardware and software, office fit-outs, agricultural machinery, hospitality equipment, and more. If it has a clear business purpose and resale value, it can likely be financed.

How does equipment finance affect my tax?

Under a chattel mortgage, you can claim depreciation and interest as deductions. With a finance lease, lease payments are typically fully tax-deductible. Under the instant asset write-off (for eligible businesses), you may be able to deduct the full cost in the year of purchase. Always confirm with your accountant - we work with your tax advisor to structure the best outcome.

What is the difference between a working capital facility and a business loan?

A business loan is typically a fixed-term, fixed-amount facility used for a specific purpose - purchasing an asset, funding an expansion, or refinancing existing debt. A working capital facility is more flexible. It gives you access to a revolving line of credit or overdraft that you draw down and repay as your cash flow requires. Working capital facilities are suited to managing day-to-day cash flow gaps rather than funding discrete capital expenditure.

How does invoice finance work?

Invoice finance (also called debtor finance) allows you to access a portion of the value of your outstanding invoices before your customers pay. Rather than waiting 30, 60, or 90 days for payment, you can draw down against your receivables and use that cash immediately. The facility is repaid as your customers settle their invoices. It is particularly useful for businesses with strong revenue but slow-paying customers.

Let's chat through your business growth needs.

Book a free consultation. We'll compare options, structure the finance, and get you approved fast.

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