Commercial Asset Finance


Loan Rates from 3.49%*


Fast Approvals

Low Doc Options

Apply Now

100% Obligation Free Preapproval

ute and truck
star star star star star

Rated 4.9 Stars on Google Local

"Definitely would recommend!"


"I can honestly say he has been fantastic to deal with"

Chris W

"We had a number of hurdles, and he got me a yes when others said no."

Rick C

Loan Repayment Calculator

Amount to Borrow:

Amount: $

Loan Length:


Credit History:

Loan Repayments:

$80per week*

Interest Rate: % (Comparison Rate:6.34%)

Obligation Free Enquiry

*Repayment calculator is provided as a guide only. Interest rates, terms and fees can vary dependent on your situation and requirements and objectives. Contact us directly for a more accurate indicative quotation. Total amount payable on the repayment example above: $. Comparison rate is based on a $30,000 loan over 5 years. Different amounts and different loan lengths will mean a different comparison rate.

Can I Apply for  Commercial Asset Finance?

Constant Cashflow

Business needs to be active
Your business needs to be active and have regular cashflow.

6 Months +

In Business for a minimum of 6 months
To be eligible for an asset loan your business needs to be running for a minimum of 6 months.


Minimum Age

Be Over 18 Years Old
You must be over 18 years old to apply for a Commercial Loan.
Apply now

Why Responsive Lending Asset Finance?

Whether your after a loan for a ute, truck, forklift or prime mover, Responsive Lending makes it easy.

What makes us better?

Unlike applying through a bank or a finance company, choosing Responsive Lending for your asset finance gives you the ability to compare over 20 different lenders. We compare Macquarie, ANZ, Liberty, Moula and many more.

What Can I Use Asset Finance For?

You can use asset finance for any vehicle that is going to be prodominately used for business purposes. This could be a ute, truck, prime mover or a vehicle to be used for a taxi.

What Can't I Use Asset Finance For?

You can't use an asset finance loan for any vehicle that is not used for business use. A family car that is going to be prodominately used to take the kids to school wouldn't be eligible for asset finance. In those case, you can consider using a Car Loan.

Friendly, Local Customer Service

All of our Commercial Loan's team are located in our offices in both Melbourne and Queensland and are ready to help with your finance enquiry.

Don't worry if you're in another state, we can help customers all over Australia.

3 Steps to Your Asset Finance


Use our online application system to apply online for your asset financein under 3 minutes. The application form will ask you questions like what loan purpose you are after, where you live and what your income source(s) is.


Speak to our team. Our team will call you to discuss your requirements about the loan.


One you're pre-approved, it's time to sign contracts. In 90% of cases this can be done completely online, saving the need to print out and manually sign documents.

an arrow

Let's Get Started

apply now

Frequently Asked Questions

Why are Your Rates Cheaper than the Big Banks?
As a finance broker we put a large volume of applications to lenders. Because of this, lenders offer our group wholesale interest rates. It's like shopping at costco, but without the need to buy 400 packets of pasta.

We also get the benefit of being completely independent from the finance companies. This allows us to shop around from multiple lenders to get the best deal. Lenders often fluctuate their interest rates based on the amount of capital that they have available to lend, so in this respect we can often negotiate great deals with cashed up lenders.
Can I Get Asset Finance for a Private Sale?
Yes asset finance is possible for vehicles being sold privately. Please let your analyst know that you're looking to buy a car from a private seller at the point of application.
I Have Bad Credit, Can You Help be with Asset Finance?
We have a whole team which is dedicated to helping customers with bad credit obtain approval for asset finance!
However, we do need to conduct a full assessment to determine eligibility. Please click on apply now to get started.