SOLUTIONS

Chattel Mortgage

Similar to that of a Home Mortgage, a Chattel Mortgage allows you to buy an asset, which the finance company finances on your behalf. The financier has a mortgage over the asset until you have paid it off. At the end of the term, the asset is yours and there is nothing more to pay.

The general features of Chattel Mortgage.

Traditional form of equipment loan
Equipment is owned by the client from the outset
Payments are a Capital expense which include a degree of expendable interest cost
Is reported on your balance sheet as a debt or loan
GST is claimed upfront on the entire purchase price
Ability to set a residual if required to lower the payments, however not required
Finance the equipment cost only
*This information is not intended to constitute taxation advice and does not take into account your financial cirucmstances. Refer to your accountant for taxation advice.

Talk to Sales

Get a quote and assistance with getting a pre-approval in place that you are then free to use whenever you need.

Whatever your industry, we can help

Geared Finance has over 20 years of experience catering to the needs of businesses across Australia. No matter what industry you are in, we have finance solutions to ensure your vision becomes a reality
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Hospitality & Catering
Hospitality & Catering
Geared has specialised in providing some of the most innovative funding solutions for businesses in the hospitality industry including every type of outlet.
Manufacturing & Commercial
Manufacturing & Commercial
Manufacturing companies specialise in many different sectors, but they have one thing in common – they need to acquire or upgrade expensive machinery.
IT & Technology
IT & Technology
Technology leasing can help you keep current with technology, so you can drive business innovation while managing costs and not sacrificing cash flow.
Construction & Machinery
Construction & Machinery
Construction is a crucial part of the Australian economy. Geared can help you build for the future and ensure you are properly equipped with the earth moving machineries.
Medical & Healthcare
Medical & Healthcare
Accessing the latest medical facilities for your healthcare practice or hospital can often be a challenge. Geared Finance can help you in healthcare businesses.
Transport & Vehicles
Transport & Vehicles
Whether you are looking to lease or purchase a business or personal vehicle, we can find a quick and painless finance solution for you.

Want to know more?

Our team of experts have in-depth knowledge of the industry and will help you find a tailor-made finance solution designed to fit the needs of your business. Whatever your industry, let us help grow your business today!

Ready to apply?

You can make an application for finance with us that does not commit you to proceed with a facility in any way. This is a no-obligation assessment with a view of reaching a potential pre-approval that you are then free to choose to use should you wish.

Don’t take our word for it! Hear it from our customers.

Sodexo
We have been working with Geared Finance for the past 4 years and always found their service attentive and prompt. Geared provides a high level of customer service and works with us to create bespoke solutions that suit our business. They are always professional, supportive, and ready to assist.
Sandra Giannakopoulos
Sandra Giannakopoulos
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Sodexo
Sandra Giannakopoulos
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Sodexo
Sandra Giannakopoulos
Otimo Coffee
Larnce
Larnce
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Otimo Coffee
Larnce
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Otimo Coffee
Larnce
Fabulous Catering
Geared Finance has supported our business in many ways. From equipment and solar to software and vehicles, they offer solutions across the board. With competitive rates and fast service, they provide advice and experience that help our business grow. We’re proud to be a loyal client of Geared Finance.
Adam Pope
Adam Pope
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Fabulous Catering
Adam Pope
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Fabulous Catering
Adam Pope
Alphington Grammar School
Geared Asset Finance has financed our school’s IT equipment over the years. As a school, we need flexibility and an understanding of financial cycles, which they provide. Their support and service are reliable, and we’ve always felt confident working with them. We highly recommend them to others.
Manuel Pappos
Manuel Pappos
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Alphington Grammar School
Manuel Pappos
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Alphington Grammar School
Manuel Pappos
Geelong Collision Care
The team at Geared Asset Finance has been phenomenal. They handle our business finances from start to finish and are always available to help. Their long-term support has made a real difference to us. We’ve trusted them for years, and we’re sure we’ll continue to work with them well into the future.
Mark Clarke
Mark Clarke
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Geelong Collision Care
Mark Clarke
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Geelong Collision Care
Mark Clarke
Stomping Ground Brewing Co.
I have been working with Geared Finance for over 10 years. During this time, they have helped us with our equipment finance needs and have been a pleasure to deal with. The team is responsive, fast, and easy to work with. They go above and beyond, even liaising with suppliers to streamline the process.
Guy Greenstone
Guy Greenstone
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Stomping Ground Brewing Co.
Guy Greenstone
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Stomping Ground Brewing Co.
Guy Greenstone