Client Login
Your dream asset is within reach with the team at Inovayt
Bringing dreams to life
From personal vehicles to business equipment, let our team of expert brokers make your dreams come true
Unmatched access
Gain access to over 25 lenders with varying products and offers to find the right fit.
Flexible solutions
Our team offer a variety of solutions, such as low doc and no doc funding options, with loans approved in as little as 4 hours.
A team who care
Our team cares about the outcome of your financial goals, so we’ll go above and beyond to help you succeed.
Your dream asset is within reach with the team at Inovayt
Bringing dreams to life
From personal vehicles to business equipment, let our team of expert brokers make your dreams come true
Unmatched access
Gain access to over 25 lenders with varying products and offers to find the right fit.
Flexible solutions
Our team offer a variety of solutions, such as low doc and no doc funding options, with loans approved in as little as 4 hours.
A team who care
Our team cares about the outcome of your financial goals, so we’ll go above and beyond to help you succeed.
How do we work?
4 easy steps to get your foot in the door
Discovery
We know that one size doesn’t fit all. Let us take a moment to establish your individual financial goals.
Submission
After reviewing your financial position, we’ll provide you with the best options to make your decision.
Approval
Once approved by your chose lender, we finalise approvals and organise formal paperwork for sign off.
Settlement
We’ll carry out the settlement process for you with ongoing support.
What is personal asset finance?
Just about everything can be leased through personal asset finance, from cars to boats to jet skis. Leasing your asset means you don’t have to wait to secure the car (or boat or jet ski!) of your dreams. Our team finds the best solution for your financial situation with secured and unsecured personal loans.
What can business asset finance do for your business?
In business, it’s crucial to maintain a competitive edge among your peers. As a business owner, asset finance can help you with this. Equipment finance is one way to manage and service all aspects of your business. It helps to organise cash flow, accelerate productivity and replace ageing assets.
Am I eligible for a low doc loan?
Low doc loans work like regular full doc loans, but they have specific eligibility criteria businesses need to meet to qualify. These criteria generally focus on the length of ABN and GST registration, allowing strong, established businesses to have their application fast-tracked.
Our frequently asked questions
There are some questions you might have about personal and business asset and equipment finance. Here are some we get asked the most.
What are the benefits of asset finance?
Asset finance is a great option if you want to get your new asset without the wait. This option allows you to obtain larger assets through hire or lease without purchasing the asset outright. There are many benefits of asset finance for both business and personal use.
- The potential to reduce larger loan costs
- Can free up capital
- allows you to improve your cash flow
- Gets you your new asset faster
What is equipment finance?
Equipment finance is the perfect solution for businesses that rely heavily on machinery tools and equipment to operate. This financial option can be used for a range of things, including:
- Work tools
- Trade tools
- Office computers
- Heavy machinery
- Farming equipment
What is a balloon payment?
A balloon payment is the lump sum of money owing at the end of your loan. It’s often an option used by borrowers to reduce their monthly repayments across the span of the loan. The terms of your loan, including your balloon payment, can be negotiated with your lender.
What is the maximum balloon I can have?
Balloon repayments differ based on your chosen lender. The maximum amount of money you’ll pay in your balloon payment is capped at 50 per cent of the loan amount, meaning, if you have a 50 per cent balloon on a $30,000 car loan, you will pay a balloon payment of $15,000 after your loan term.
What are the term conditions?
Asset finance is perfect for those who want to get their new asset sooner. The longest loan you can have for this financial solution is seven years, but be wary that you’ll pay more interest the longer your loan.
Car loan vs novated lease – what’s the difference?
Novated leases and car loans have similar features and some key differences. These include the following.
- Regular repayments are made for both.
- Balloon payments are an option at the end of each loan.
- A novated lease is a three-way deal between you, the lender, and your employer.
- You own the vehicle from day one with a regular car loan.
- Once the loan term ends on a novated lease, and the balloon payment has been repaid, you own the vehicle.
- After-tax earnings are used to finance a car loan, whereas pre and post-tax pay are used for a novated lease.
Online Finance Guides
Equipment Finance Calculator
View Calculator
Equipment Finance Calculator
View Calculator
Equipment Finance Calculator
View Calculator
Equipment Finance Calculator
View Calculator
