What is the AssetMX fee?
One flat $800 fee, disclosed before you apply. We do not take lender commission on top, so it is not built into your rate. It can be financed into the loan or paid upfront.
$800 flat feeNo broker commission
Finance the gear.
Skip the broker.
Transparent asset finance for established Australian businesses. Answer three questions and we pre-fill most of the application for you.
- Questions to start
- 3
- questions to start
- Time to full application
- ~4 min
- to a full application
- Total fee
- $800
- total fee, disclosed up front
Quick start
Question 1 of 3
Hi. What are you looking to finance?
Most of the form fills itself.
You give us three answers. We do the data entry, then ask only what we can't look up.
- 1
Three questions
Asset, amount, ABN. Takes under a minute, right here on this page.
- 2
We pre-fill
Business name, entity type, GST status and trading history come from the Australian Business Register. You confirm, not type.
- 3
Finish in chat
A short guided conversation covers the rest: the asset details, a few financials, your consent. Then it is with the lender.
One fee. Written down before you start.
Brokers are usually paid by the lender, and that cost sits inside your rate where you can't see it. We charge $800, we tell you first, and we don't take commission on top.
On $100,000 over five years at the same 7.50% lender rate, a typical 2% loading costs about $4,851 more. See the comparison.
Typical broker
Undisclosed
Commission built into the rate. You rarely see the number.
AssetMX
$800
Flat fee, disclosed up front. Nothing else from us.
Built for businesses that already work.
We keep the process short by only taking on straightforward files. If this is you, you'll move quickly. If not, we say so in the first minute.
Trading 2+ years
An active ABN with at least two years behind it, registered for GST.
Clean credit
No defaults or judgments on the business or its directors.
Vehicles, trucks or equipment
Utes, trucks, trailers, excavators, machinery and the like, for business use, from $5,000 to $500,000.
What we finance
Income-producing assets for Australian businesses, new or used, from a dealer or a private seller. Most files are written as a chattel mortgage, so you own the asset from day one.
Vehicle finance
Cars, utes and vans
Work utes, dual cabs, tradie vans, company cars and light commercials. Business-use vehicles for sole traders, partnerships, companies and trusts.
Truck finance
Trucks and trailers
Rigid trucks, tippers, refrigerated bodies, flat tops and trailers for transport, logistics, construction and agriculture operators.
Equipment finance
Machinery and equipment
Excavators, loaders, skid steers, forklifts, manufacturing equipment, fit-outs, agricultural and earthmoving machinery.
Electric vehicles for business are financed the same way. EV finance.
See your real rate before you give us a single detail.
The lender base rate, our $800, and the total cost of credit, side by side with the same deal through a typical broker. Every rate on this site carries the date it was verified.
| Term | Lender base rate (p.a.) |
|---|---|
| 1 year (12 mo) | 9.10% |
| 2 years (24 mo) | 8.10% |
| 3 years (36 mo) | 7.50% |
| 4 years (48 mo) | 7.50% |
| 5 years (60 mo) | 7.50% |
Indicative rates for in-policy low-doc applicants, verified 8 September 2026 against AssetMX lender panel rate sheets. Your rate is set by the lender. AssetMX adds no margin to it.
Your indicative quote
Rates verified 8 September 2026Term
Repayment
$890.07
Lender base rate 7.50% p.a. · no margin added
- Amount financed
- $51,300
- Lender establishment fee
- $500
- AssetMX flat fee
- $800
- Total interest
- $12,104
- Total cost of credit
- $63,404
Same deal through a typical broker
Brokers typically build about 2% commission into the rate. At 9.50% the monthly repayment would be about $929.74, and the total cost about $65,785.
Estimated difference: $2,380 over 5 years.
Indicative only. Repayments in advance, balloon calculated on the asset value, lender establishment fee financed. Your rate and approval are set by the lender after a formal application. No credit check is run for this quote. Rates verified 8 September 2026.
Questions people ask
Straight answers about the fee, eligibility and how a business asset loan actually works.
Who is eligible?
Australian businesses with an active ABN trading for 2 or more years, registered for GST, clean credit for the business and its directors, and an asset for business use such as a vehicle, truck, trailer or equipment.
What can I finance?
Cars, utes and vans; trucks and trailers; excavators, machinery, agricultural and manufacturing equipment, and other income-producing business assets. New or used, from a dealer or a private seller.
How long does the application take?
Three questions on this page take under a minute. Most of the remaining application is pre-filled from your ABN, and the guided chat usually finishes in about four minutes. Conditional approval for in-policy files is typically the same business day.
Is there a credit check when I start?
No. Nothing is checked against your credit file until you explicitly consent inside the application.
What rate will I pay?
Indicative lender base rates are 9.10% over 12 months, 8.10% over 24 months, 7.50% over 36 months, 7.50% over 48 months, 7.50% over 60 months, verified 8 September 2026. The lender sets your final rate on application. AssetMX adds nothing to it.
What is a chattel mortgage?
A business loan secured against the asset you are buying. You own the asset from day one, the lender holds a mortgage over it until the loan is repaid, and GST-registered businesses can usually claim the GST on the purchase price up front.
Do I need a deposit?
Not always. Depending on the asset, the lender and your trading history, finance can cover the full purchase price. A deposit or trade-in can lower your repayments.
Plain answers
More questions business owners ask
Can I get asset finance for a used vehicle or used equipment?
Yes. AssetMX finances used vehicles and equipment from $5,000 to $500,000, provided the asset will be no older than 15 years at the end of the loan term and is used for business purposes. The same low-doc eligibility applies as for new assets.
Can I get equipment finance without financial statements?
Yes. Low-doc asset finance lets an ABN business trading 24+ months and registered for GST borrow $5,000 to $500,000 without tax returns or full financials, provided the deal fits lender low-doc policy.
Can I get finance to buy a vehicle or equipment from a private seller?
Yes. AssetMX can finance a private-sale vehicle or piece of equipment, provided it meets the usual eligibility rules. A private-sale asset may need an inspection, which carries a $250 fee, and you will need a contract of sale in place of a dealer invoice.
Can my business claim the electric vehicle FBT exemption?
Eligible zero or low-emission electric cars priced under the luxury car tax threshold for fuel-efficient vehicles can be exempt from fringe benefits tax when provided to an employee for private use. Plug-in hybrid vehicles lost this exemption from 1 April 2025 unless a financially binding commitment was already in place. The threshold changes each financial year, so check the current figure on ato.gov.au before assuming a vehicle qualifies.
Does getting an asset finance quote affect my credit score?
No. Getting a quote through AssetMX does not touch your credit file. A credit check on the business and its directors only happens once a formal application is submitted to a lender, which is a separate step after you have seen an indicative quote and decided to proceed.
How does the $800 flat fee on AssetMX work?
AssetMX charges a single $800 flat platform fee per deal, shown separately from the lender's base interest rate, with no hidden commission loaded into the rate. It can either be paid upfront or financed into the loan alongside the lender's typical $500 establishment fee, which also varies by lender.
About AssetMX
AssetMX is the asset finance arm of Blackrock Leasing Pty Ltd (Australian Credit Licence 569484). We arrange vehicle, truck and equipment finance for established Australian small and medium businesses, and we charge one flat $800 fee instead of taking a lender commission. Because the fee is fixed, there is no reason for us to steer you toward a higher rate or a longer term.
We keep the process short by working with straightforward files: businesses trading two or more years, with clean credit, buying assets for business use. Applications start with three questions on this page, are pre-filled from the Australian Business Register, and finish in a short guided chat. Nothing touches your credit file until you say so.
Ready? Three questions, then we take it from there.
One flat $800 fee, disclosed before you start. Nothing touches your credit file until you say so.
Trading 2+ years · Clean credit · Vehicles, trucks or equipment for business use