PTR Asset Finance

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Asset Finance Perth

PTR Asset Finance is the flagship division of PTR Finance Group and Western Australia's most awarded asset finance brokerage. Whether you are just starting out, expanding or replacing equipment, our brokers arrange fast, competitive asset finance built around the way your business actually runs.

Equipment | Trucks & Transport | Plant & Machinery | Vehicles | Trailers | New & Used

Because we work with a panel of banks and specialist lenders rather than a single institution, we compare the market to find the right structure and rate for your purchase, from a chattel mortgage to a finance lease or rent-to-own. That means genuinely competitive asset finance whether you are buying your first asset or refinancing a whole fleet.

Our team knows transport and equipment inside out. Director Tracey Swan and Simon Mell each bring over 20 years' experience in the finance industry, taking a personal approach to understanding your business, its day-to-day cash flow and its growth potential. We can even finance major repairs or maintenance to keep your gear on the road.

From a single ute to a full earthmoving fleet, we make the finance the easy part of the purchase, so you can get on with running the business. PTR Finance Group is dedicated to helping WA businesses of all sizes grow, and we are there every step of the way, from your first asset to your hundredth.

We arrange finance across a wide range of business assets, including:

  • Trucks & prime movers

  • Trailers & tippers

  • Excavators & earthmoving equipment

  • Forklifts & warehouse gear

  • Cars & commercial vehicles

  • Plant & machinery

  • Tools, IT & business equipment

For specific equipment, jump straight to our truck finance, heavy vehicle finance, trailer finance, excavator finance and forklift & warehouse finance pages, or explore our other divisions such as property finance and agribusiness finance. Ready to go? Request a quote and one of our brokers will do the rest.

Frequently Asked Questions

What is asset finance and how does it work?

Asset finance lets your business acquire equipment, vehicles or machinery without paying the full cost up front. The asset itself usually secures the loan, and you repay over an agreed term. As a broker, PTR Asset Finance compares a panel of lenders to find the structure and rate that best suit your business rather than offering a single bank's product.

What can I finance with asset finance in Perth?

Almost any business asset: trucks and trailers, cars and commercial vehicles, excavators and earthmoving equipment, forklifts, plant and machinery, and even tools, IT and fit-out equipment. If you are buying something to help your business earn, there is usually a finance option for it.

What is the difference between a chattel mortgage, a lease and rent-to-own?

With a chattel mortgage you own the asset from day one and finance it against that asset. A finance lease means the lender owns it and you lease it for a term, often with a residual. Rent-to-own (hire purchase) sits between the two. Each has different tax, GST and cash-flow effects, and we will talk through which fits your situation and suggest you confirm details with your accountant.

Can I get asset finance with a new ABN or limited financials?

Often, yes. We have low-doc and streamlined options for newer businesses and ABNs that do not yet have full financials, which typically rely on the asset as security. We will match you with the lenders most comfortable with your circumstances.

Do you finance new and used assets?

Yes. We arrange finance for both new and used assets. For used equipment, the age, hours and type affect the term and rate, and we find the lender whose policy best suits the specific asset you are buying.

How quickly can asset finance be approved?

For established businesses with a clean credit profile we can often arrange same-day pre-approval and settle within a couple of business days once documents are in. Newer businesses may take a little longer while lenders review supporting information.

Is asset finance tax-deductible?

Interest and depreciation on an asset used for business purposes are generally deductible, and the structure you choose affects the GST and tax treatment. We will explain the common options and recommend you confirm the specifics with your accountant.