Understanding the right commercial finance options is essential for Australian businesses looking to grow, replace equipment or manage cash flow. Whether you’re financing heavy machinery, vehicles or operational assets, knowing the different loan types and how they work can save time, reduce risk and maximise your borrowing potential.
At Stellify, we combine integrity, collaboration and empowerment to help you choose the solution best suited to your business goals.
Explore your business finance options.
Key Commercial Loan Types
1. Chattel Mortgage
A chattel mortgage allows businesses to purchase an asset outright while spreading repayments over time. The asset itself serves as collateral, providing tax and accounting benefits.
Why it matters: You gain immediate ownership of the asset while preserving working capital.
Transparency and trust ensure you understand the terms, interest and repayment structure before committing.
2. Hire Purchase
Hire purchase enables businesses to use the asset immediately while making regular payments. Ownership transfers at the end of the term.
Why it matters: Flexibility in ownership timing can improve cash flow management and budgeting.
Empowerment – we help you structure the repayments to match your business’s operational needs.
3. Finance Lease
A finance lease allows your business to use an asset without immediately owning it. Payments cover depreciation and finance costs, with an option to purchase at the end.
Why it matters: A finance lease can be ideal for businesses seeking short- to medium-term asset use without large upfront costs.
We work in collaboration with youto assess if a lease fits your growth strategy and long-term goals.
4. Sale & Leaseback
Sale & leaseback involves selling an existing asset to a lender and leasing it back. This unlocks capital while maintaining operational use.
Why it matters: Perfect for freeing up cash tied in existing assets for reinvestment or expansion.
Integrity – we ensure you fully understand the trade-offs, costs and benefits of unlocking capital this way.
5. Working Capital and Cashflow Loans
These loans help businesses manage short-term liquidity, cover unexpected expenses, or fund growth initiatives. Repayments are structured to align with cashflow cycles.
Why it matters: Maintaining operational liquidity is critical for business stability and expansion.
We are passionate about helping you optimise financing to ensure your business can grow without cashflow interruptions.
Role of Asset Classification and Loan Structure
Understanding whether assets are primary, secondary or tertiary influences loan eligibility, limits, and repayment structure. For example:
- Primary assets like trucks and excavators often attract higher lending limits.
- Secondary or tertiary assets may require specialist lenders or structured financing.
Structuring loans correctly ensures repayment schedules match your business’s cashflow, minimising financial strain and maximising growth potential.
For more information, check out our blog.
How a Broker Helps
A commercial finance broker:
- Analyses your business needs, assets and borrowing capacity
- Matches you with the right lenders and products
- Structures applications for higher approval chances
- Provides ongoing support for refinancing or expansions
Collaboration, trust and empowerment guide the Stellify approach – ensuring your business decisions are informed and aligned with long-term objectives.
Final Thoughts
Commercial loans are powerful tools to grow, manage and optimise your business operations. Choosing the right product for your asset, cashflow and growth strategy is essential. With Stellify, you gain an expert partner who combines integrity, transparency and passion to guide your business through complex financing decisions.
Explore your commercial finance options or contact us for a chat.
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