General
Asset finance allows individuals and businesses to purchase vehicles, equipment, or machinery by spreading the cost over regular repayments rather than paying upfront. The asset itself usually acts as security for the loan, which can make approvals faster and interest rates more competitive.
CSM compares multiple lenders to find competitive rates, flexible structures, and solutions suited to your situation — saving you time and money.
CSM will conduct a pre-assessment before submitting a formal application to help minimise unnecessary credit enquiries.
Personal
Most lenders allow early payouts, though some may charge a small early repayment fee depending on the loan structure.
Yes, there are lenders who specialise in non-prime or credit-impaired lending. Approval will depend on your circumstances, but having a broker increases your chances of finding the right lender.
Not always. Many lenders offer 100% finance, meaning you may not need a deposit if you meet their lending criteria.
Many applications receive conditional approval within 24 hours, with settlement often possible same day once documents are signed.
A pre-approval isn’t necessary, but it’s certainly advised. It’ll provide guidance in terms of your potential borrowing capacity, which is a factor in terms of how much you can afford to spend.
Business
Interest rates vary depending on:
Credit history, Asset type, Loan amount, Loan term & other factors
Many lenders offer same-day conditional approvals with fast settlement once documentation is completed.
In many cases, interest and depreciation may be tax deductible, depending on the finance structure. Always check with your accountant for advice specific to your situation.
Yes. Many lenders will consider ABNs registered for as little as 3–6 months, especially if directors have strong credit or industry experience.
Common options include: Chattel mortgage, Finance lease, Operating lease, Hire Purchase. Our specialists can recommend the most suitable structure depending on your business needs
Businesses can finance assets such as:
Commercial vehicles, Trucks and trailers, Construction equipment, Equipment finance for small businesses, Manufacturing machinery, Technology & office equipment, Medical or specialised equipment.
We sure do! We have a range of unsecured and secured loans, meaning we have various options to suit your business needs.
In short, it’s determined based on your cash flow – much like a home loan. Your borrowing capacity will be calculated based on income vs expenditures.
Get started on your finance journey today.
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