Finance that keeps you moving.
Black Bear Finance & Advisory helps businesses secure the right funding for vehicles, plant & equipment — with clear advice, lender comparison, and end‑to‑end support.
- Options across mainstream and specialist lenders
- Solutions tailored to cashflow, tax, and ownership needs
- One point of contact from application to settlement
Asset finance for the things that run your business
Whether you’re upgrading a single vehicle or rolling out new equipment across a team, we’ll help you structure funding that fits.
Vehicles & fleets
Cars, utes, vans, trucks, and fleet upgrades — including refinance options.
- New & used vehicle finance
- Business & personal use structures
- Flexible repayment frequencies
Plant & equipment
Machinery, tools, fit‑outs, and specialist equipment for growing operations.
- Construction & earthmoving
- Manufacturing & trades
- Medical, IT & business essentials
Working capital support
When an asset purchase impacts cashflow, we can explore supporting options alongside your asset funding.
- Asset refinance (where applicable)
- Cashflow-friendly structures
- Clear comparison of trade-offs
Choose the right structure, not just a rate
The “best” finance depends on how you use the asset, whether you want ownership, and how you prefer repayments to land in your cashflow.
Tell us what you’re buying and when you need it. We’ll recommend a clear pathway and explain the pros/cons.
Chattel mortgage / equipment loan
Typically suits businesses wanting ownership from day one.
- Fixed or variable options (lender dependent)
- Potential balloon/residual to manage repayments
- May suit GST/tax strategies (seek advice)
Finance lease
Useful when you want use of the asset with options at the end of term.
- Regular payments for use of the asset
- End‑of‑term payout or refinance options
- Often used for fleets & equipment
Commercial hire purchase
A structure that may suit some business ownership preferences.
- Fixed repayment schedule (lender dependent)
- Ownership at end of term
- Clear, predictable budgeting
Asset refinance
Unlock equity in existing assets (subject to lender policy).
- Potentially improve cashflow
- Consolidate or restructure facilities
- Support growth plans
A straightforward process
1) Quick discovery
We learn about the asset, your timeline, and what matters most (ownership, cashflow, flexibility).
2) Compare & structure
We compare options and present a clear recommendation — including trade‑offs and next steps.
3) Application to settlement
We guide documentation, approvals, and settlement timing so you can get the asset working sooner.
Want a quick estimate?
Use our repayment estimator for a ballpark figure, then talk with us to confirm real‑world lender pricing and fees.
Frequently asked questions
Do you work with multiple lenders?
Many asset finance brokers and advisors work with a panel of lenders. The right fit depends on the asset, your business profile, and the structure you want. We’ll explain what’s available and why.
How long does approval take?
Timeframes vary by lender, asset type, and documentation. If you have a deadline, tell us up front so we can prioritise lenders and structures that typically move faster.
Can you finance used assets?
Often yes, subject to lender policies (age of asset, supplier details, valuation, etc.). Share what you’re buying and we’ll confirm options.
Is the calculator accurate?
The calculator provides estimates only. Real repayments can differ based on lender pricing, fees, residuals, and product features. Always confirm terms in writing before proceeding.
Get an asset finance quote
Tell us what you’re looking to buy and when you need it. We’ll take it from there.
Start with the basics
- Asset type (vehicle, equipment, etc.)
- Approximate purchase price
- New or used, and supplier details
- Your preferred repayment style
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