How asset and equipment finance works through a broker

Last updated 3 November 2026 · Reviewed by 360 Asset Finance Compliance

Is 360 Asset Finance a lender or a broker?

We're a specialist asset and equipment finance broker. We work with a curated panel of lenders across Australia and New Zealand and arrange funding for vehicles, plant, equipment and business assets. We're not tied to one lender, so we compare options across our panel for your deal. Each lender assesses the application against its own criteria.

What assets can be financed?

• Motor vehicles: new and used cars, utes and vans for personal or business use.
• Trucks and heavy vehicles: prime movers, rigid trucks, trailers and specialist heavy vehicles.
• Yellow goods and earthmoving: excavators, loaders, dozers, graders and skid steers.
• Plant and equipment: manufacturing equipment, forklifts, cranes, generators and industrial machinery.
• Other assets: medical assets, IT hardware, marine and aviation.

All funding is subject to the lender's assessment.

Who do we help?

• Small and medium businesses acquiring vehicles, equipment or fit-out.
• Sole traders and contractors funding the tools of their trade.
• Transport and logistics operators expanding or replacing a fleet.
• Construction and civil contractors financing earthmoving and plant.
• Medical and allied health practices equipping clinics and surgeries.
• Individuals looking for a car loan or personal loan.

How does the process work?

1. Tell us what you need. Describe the asset, the amount and your timeline.
2. We compare lenders. We look for options from our panel of specialist asset finance providers that fit your deal.
3. We manage the process. We prepare the application, work with the lender and keep you updated through to settlement.
4. You get the asset. Once the lender approves and settles, funds are released and repayments are set up to suit your cash flow.

Who owns the asset during the term depends on the structure you choose, such as a chattel mortgage, lease or commercial hire purchase.

What should I have ready?

Every lender sets its own requirements, but it helps to have:

• details of the asset, such as a quote or invoice from the supplier, and whether it's new or used
• the amount you need and when you need it
• identification for each applicant, director or guarantor
• business details, such as your ABN, if the asset is for business use
• evidence of income or business performance, such as bank statements or financial statements
• details of your existing debts and other finance.

Your broker will tell you what the lender needs for your deal.

Does it matter whether the asset is for personal or business use?

Yes. Depending on whether the asset is for personal or business use, different rules apply. If the finance is mainly for personal or household use, such as a car for the family, consumer credit laws apply and we must check that the loan meets your needs and that you can afford the repayments. Finance for a business asset is generally treated differently. Your broker will explain which rules apply to your application.

Do you work in New Zealand?

Yes. We operate across Australia and New Zealand and work with lenders on both sides of the Tasman. New Zealand finance is arranged through our New Zealand company, 360 Asset Finance Limited.

FAQs

General information only. It doesn't take into account your objectives, financial situation or needs, and it isn't credit, tax or legal advice. Finance is provided by the lender you choose and is subject to its lending criteria; fees and charges apply. 360 Asset Finance is a trading name of Kuone Consulting Pty Ltd (ABN 75 647 329 002), Australian Credit Licence 566705.