Asset & Equipment Finance
Build Your Capacity Without Breaking Your Budget
Why Choose Clayton Capital for Your Residential Financing Needs
​100% Success Rate in Securing Lending
We’ve secured funding for every client we’ve represented.
Access to 50+ Lenders Beyond the Big Banks
We leverage a massive panel of traditional, specialist and niche lenders to find your perfect match.
2-Week Turnaround
​Our streamlined process targets formal approvals within 14 days, even for complex applications. like new arrivals to Australia or multi-property refinances.
Partners for the Long Haul
We don’t stop at settlements. We provide ongoing loan reviews and refinancing support to ensure your debt stays optimised.
One Dedicated Point of Contact
You get direct access to our team and real-time updates at every single milestone so you're never left wondering where your application stands.
Our Process
01
Initial Consultation
Understand your financial goals and current circumstances.
02
Research & Recommendations
Compare 50+ lenders to identify the best loan options for you.
03
Application Preparation
Guide you through document collection and prepare your submission.
04
Lender Liaison
Manage lender communication to expedite queries and approvals.
05
Loan Approval & Offer
Present your loan offer with clear explanations of all terms.
06
Settlement Coordination
Ensure a smooth settlement by coordinating all parties involved.
07
Continuous Support
Support you with future loan reviews, refinancing and financial changes.
What to Consider Before Financing Your Assets & Equipment
Match Finance Terms to Asset Lifespan
Don't lock yourself into a 7-year loan for equipment that becomes obsolete in 3 years. We help you align loan terms with the expected useful life of your asset to avoid paying for something you've already replaced.
Understand the Tax Implications
Different structures offer different tax benefits. Chattel mortgages, leases and hire purchase agreements each have unique implications for GST, depreciation and deductions. We'll guide you on what works best for your situation.
Consider Your Cash Flow Realistically
Equipment finance should support your operations, not strain them. We help you structure repayments that fit comfortably within your cash flow, including seasonal adjustments if needed.
Don't Overlook Residual Values
Setting a residual (balloon payment) can lower your regular payments, but make sure you have a plan to either pay it, refinance it or sell the asset when the term ends. We'll help you strategise.
Leverage Our Lender Network
Not all lenders finance all asset types equally. Some specialise in vehicles, others in heavy machinery or tech equipment. We know which lenders are best for your specific asset and negotiate on your behalf to get you competitive terms.
