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Asset finance just got easier
With one-hour approvals for loans under $100,000, you could secure asset and equipment finance for your business without any fuss.
Keep your cash flow under control while your business grows
We understand how difficult it can be for businesses to get the funds they need to grow. That’s why we’re here to help businesses like yours go big with simple asset finance solutions to help manage cash flow and reach your goals sooner.
See if you pre-qualify for a business loan
Obligation free - Find out if you pre-qualify for asset finance - just answer these three simple questions.
If you're successful, you could have the loan for new or used business equipment the next day after your application is finalised.
What you need in an application
You will need to supply these documents in order to progress your application for finance.
Low Doc
Full Doc
$10,000 – $100,000
$100,000 – $2,000,000
Turnaround time
Funds available next business day from settlement
Borrower Profiles
• Registered companies • Trusts • Sole traders • Partnerships
Minimum
Requirements
- ABN > 2 years (GST registered)
- Property ownership or 20% deposit
- Satisfactory credit score
- Directors’ Guarantees
- Direct debit
- No prior bankruptcy
Application
Requirements
- Application form
- Privacy consent
- ID – signatures must match application form
- Asset details (quote or invoice preferred)
- All Low Doc requirements
- Financials (P&L and balance sheet)
- ATO portals
- A&L
- Debt commitment schedule
Maximum Term
60 months
What you need in an application
You will need to supply these documents in order to progress your application for finance.
$10,000 – $100,000
- Registered companies
- Trusts
- Sole traders
- Partnerships
- ABN > 2 years (GST registered)
- Property ownership or 20% deposit
- Clear credit report
- Satisfactory credit score
- Directors’ Guarantees
- Direct debit
- No prior bankruptcy
- Application form
- Privacy consent
- ID – signatures must match application form
- Asset details (quote or invoice preferred)
$100,000 – $2,000,000
- Registered companies
- Trusts
- Sole traders
- Partnerships
- ABN > 2 years (GST registered)
- Property ownership or 20% deposit
- Clear credit report
- Satisfactory credit score
- Directors’ Guarantees
- Direct debit
- No prior bankruptcy
- All Low Doc requirements
- Financials (P&L and balance sheet)
- ATO portals
- A&L
- Debt commitment schedule
View our customer reviews
Frequently asked questions
How much can I borrow?
You can borrow up to 100% of the equipment’s value.
What are the terms?
Terms range between 12 and 60 months, depending on the type of asset and type of loan. If your loan has an optional residual payment, you can apply to refinance the residual payment for up to 24 months.
Are there any exclusions?
We provide finance for most assets and equipment, with a few exceptions
- Private sales
- Low volume assets, non-movable assets, mining equipment, aircraft and customised equipment
Are there any fees?
We charge a one-off upfront fee and no ongoing fees. There are additional fees in the event of a default.
What is a residual amount?
A residual amount is a one-off payment at the end of the loan term. Sometimes referred to as a balloon payment, this payment is due after all regular monthly repayments have been made and
As a quick example, if you borrow $100,000 with a residual payment of 40%, your monthly repayments over the life of the loan will only total 60% of the principal and interest. You will pay the remaining 40% in either one lump sum or you can refinance it for up to another two years. This helps keep your regular repayments down and lets you factor the residual payment into your cash flow.
What if my business is less than two years old?
At this stage, we only lend to businesses that are more than two years old. Once you’ve hit the two year mark, you can come back and apply for a loan.
What documents do you need?
The documents you need to provide will vary depending on how much you want to borrow.
- for loans up to $99,999 application + invoice
- for loans above $100,000 application + invoice + other financial documents
The invoice can be attached directly to your application. If you need to provide bank statements and/or financial statements, we will send you an email once you submit your application with further instructions to securely connect your online banking.
Do I need to own property?
At least one company director needs to own property, but we don’t lodge a mortgage over it.
Are there terms & conditions?
For the avoidance of doubt, the finance terms and conditions apply to all product offerings marketed or advertised by Bigstone, its employees, agents and representatives.
My question isn’t listed here
You can get in touch with us by calling (02) 8205 7777 or emailing info@bigstone.com.au.