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Services · Broker

Asset finance, properly arranged.

We compare 40+ lenders on every deal and recommend the structure that fits your business — not the bank's panel. Here's how we work, and what we can arrange for you.

Start a conversationor call 0431 126 655
What we finance

If your business runs on it, we can finance it.

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Mining equipment

Bowen Basin contractors, METS operators, surface and underground gear.

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Agricultural machinery

Cane harvesters, tractors, irrigation, livestock infrastructure.

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Construction & earthmoving

Excavators, loaders, dozers, civil infrastructure, project gear.

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Commercial vehicles & transport

Prime movers, trucks, utes, vans, fleet finance.

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Business finance & working capital

Loans, lines of credit, invoice and bridging finance for cash flow.

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Personal vehicles & lifestyle

Cars, caravans, boats, motorbikes, recreational assets.

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How we structure deals

Pick the structure that fits your tax position, not the lender's pitch.

Most equipment finance comes down to one of three or four structures. Here's what each one does and when it makes sense.

Asset finance
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Chattel mortgage
You own the asset from day one and pay it off in monthly instalments. The lender registers a security interest until the loan is repaid. The most common structure for businesses because you can claim depreciation and the GST credit upfront.
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Finance lease
The lender owns the asset and leases it to you for fixed monthly payments. At the end of the term you pay a residual to take ownership — or hand it back. Useful when you want off-balance-sheet treatment or a known buy-out figure.
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Hire purchase
You hire the asset under contract to buy it at the end. Predictable monthly payments, ownership transfers once you've paid in full. Simpler than a lease, but GST is claimed over the life of the agreement, not upfront.
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Sale and leaseback
Sell equipment you already own to a lender and lease it straight back. Frees up the capital tied up in the asset without disrupting your operation. Useful when you need cash flow but do not want to part with the gear.
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Novated lease
A salary-package arrangement where your employer takes the lease repayments out of your pre-tax pay. For PAYG employees buying a vehicle — your employer needs to be on board.
Working capital
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Business loans (secured or unsecured)
Capital not tied to a specific asset. Secured loans use property or other assets as collateral; unsecured loans rely on your trading history and cash flow.
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Line of credit / overdraft
A drawdown facility — pay interest only on what you've drawn, repay and re-borrow as needed. Useful for seasonal cash flow swings.
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Invoice finance
Bring forward the cash from your unpaid invoices. The lender advances most of the invoice value upfront, then collects from your customer when they pay. Useful when receivables are sitting at 60+ days.
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Bridging finance
Short-term cover for a specific gap — usually one to twelve months. Higher rate than a term loan but fast to settle. Used when cash is coming in soon but you need to act now.
How it works

From conversation to settlement.

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    Scope

    A short call to understand the asset, your business, and your timing. No application yet, no commitment.

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    Compare

    We submit your scenario to the lenders most likely to win the deal — usually three to five from our 40-plus panel.

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    Choose

    We present the offers side-by-side with our recommendation and the trade-offs. You pick.

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    Settle

    We handle the paperwork, lender requirements, and settlement coordination with the supplier. You sign once, take delivery.

Most standard deals move from first call to funded in a week or two. Pre-approvals for auctions can be same-day.

Why a broker

What a broker actually does — and why it changes the deal.

Going direct

One product. One panel. Take it or leave it.

Through Loxent

One scenario. Multiple quotes. Lenders compete for your deal.

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The broker is paid by the lender, not you.

When a broker introduces a deal to a lender, the lender pays a commission. The broker fee (if any) is disclosed up front. You're not paying the broker out of pocket — and you're not stuck with whichever lender pays the highest commission.

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One application, forty-plus quotes.

A bank quotes one product from one balance sheet. A broker takes your scenario to the lenders most likely to win and brings back competing offers. Structure, rate, and terms come out better when they have to compete.

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The broker knows which lenders move fast for what.

Bank approval timelines are average — fast for vanilla deals, slow for everything else. A broker who has placed a hundred deals in your sector knows which lenders settle Bowen Basin equipment in days versus weeks, which ones structure seasonal repayments for cane farmers, which ones won't blink at a $1.2M dragline. Speed comes from knowing the panel.

What it costs

No surprises at settlement.

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Broker fee.

Disclosed in writing before you commit. In most cases the broker is paid by the lender's commission and there is no separate fee charged to you. If a deal requires a broker fee, you will know the exact dollar amount before signing.

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No application fees.

We do not charge to look at your deal or compare lenders. The first call costs you nothing.

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What you will pay the lender.

Interest rate, establishment fee, monthly account fee, and any documentation costs are quoted by the lender up front. We compare them across the panel so you can see exactly what you are agreeing to.

Loxent Finance Pty Ltd · Credit Representative 577063 · Australian Credit Licence 543046

Ready to talk?

Tell us what you're financing. We'll come back with options.

Start a conversationor call 0431 126 655