Whether it’s a new car, business equipment, or a vehicle for work, we’ll help you secure the right finance with competitive rates and smart structuring. From personal to commercial lending, we’ll make sure your loan works for your cash flow and long-term financial goals.
Need new equipment, machinery, or vehicles to grow your business, but don’t want to tie up cash? Our Asset Finance service provides tailored solutions enabling you to acquire essential assets through flexible payment plans that preserve your cash flow and support your expansion goals.
Asset finance helps your business obtain critical equipment without large upfront costs. Whether it’s machinery, company vehicles, IT hardware, or office furniture, you can spread the purchase cost across manageable payments over time. This financing method is secured against the asset itself, making it often easier to access than traditional business loans.
By choosing asset finance, you keep your working capital free for day-to-day operations or other investments. This flexibility is ideal for businesses wanting to grow sustainably while ensuring cash flow remains strong. You maintain full use and control of the asset throughout the finance term.
Most asset finance options allow you to own the asset outright at the end of the term. Some also offer upgrade or replacement opportunities, letting you keep pace with industry advances without constant large purchases. This ensures your business stays competitive with the latest equipment.
Our experienced advisors work with you to understand your business needs, selecting the best asset finance product and terms that align with your financial goals. From application to settlement, we provide dedicated support to make the process smooth and beneficial.
Your borrowing power depends on your income, expenses, debts, and deposit size. At Crown Money SA, we not only calculate what you can borrow, we help you understand what you should borrow to stay financially comfortable and reach your goals faster.
Yes! Many clients use built-up equity in their current home to purchase an investment property or upgrade. We’ll help you structure your loans smartly so you grow your wealth without over-stretching your cash flow.
Most lenders require 10–20% of the purchase price, though this can vary depending on your situation. We can also explore low-deposit options and guarantor structures to help you get into the market sooner.
Absolutely. Refinancing can reduce your interest rate, consolidate debt, or free up equity for renovations or investments. We also review your loan structure to ensure your repayments are working to reduce your debt faster, not just maintain it.
Generally, you’ll need recent payslips or tax returns, ID, bank statements, and details of any current debts or assets. We’ll provide a simple checklist and guide you through the process step-by-step.
Pre-approval timeframes vary by lender, but most applications take 3-10 business days, depending on how quickly supporting documents are provided and how busy the lender is. Full approval usually follows once your property is confirmed. Our team keeps the process moving and communicates with you every step of the way.
Unlike traditional brokers, we don’t stop once your loan settles. We offer ongoing coaching, accountability, and annual reviews to help you pay off your home in record time, often within 12–15 years instead of 30.
Rental income can help you qualify for a higher loan amount, while tax deductions (like interest and depreciation) can improve your cash flow. We’ll show you how to structure your investment loans to maximise these benefits safely.
An investment loan is designed for properties you rent out, not live in. Lenders assess them differently, often with slightly higher rates. We’ll help you choose the right setup so your investment supports your long-term wealth strategy.
