Asset loans across Australia, secured against business or personal assets you already own. No credit checks. No financials. No property required. Same-day settlement.
A commercial asset loan is short-term business finance secured against a physical asset you already own, rather than your credit history, BAS, or trading record. The asset is the assessment.
A commercial asset loan is a form of asset-based lending built for Australian businesses that need to move faster than a bank can move. The loan is assessed on the value of an unencumbered business or personal asset, not on the borrower's financial statements or credit file.
Traditional bank loans need years of financials, BAS, tax returns, balance sheets and personal guarantees. The process takes weeks. A commercial asset loan from ABL takes hours. Indicative terms within 2 hours of enquiry. Same-day settlement once the asset is secured.
Commercial asset loans run from $20,000 to $1 million, secured against vehicles, machinery, equipment, inventory, art, gold, or any other unencumbered asset of sufficient value. Loan terms are 1 to 9 months. Repay early any time after month one, get the asset back, off the books.
This is a commercial finance product, not a consumer credit product. The borrower is your business, even if the security is an asset personally owned by a director. The use of funds is whatever the business needs the cash for: ATO debt, payroll, supplier pressure, a deal closing this week, a restructure that needs breathing room.
Four scenarios where a commercial asset loan does what a bank loan can't.
Tax debt is escalating. A Director Penalty Notice is on the table. The bank won't lend with ATO arrears on the books. The asset can clear it inside 48 hours.
Receivables are landing next month. Wages are due Friday. A commercial asset loan covers the gap without restructuring everything.
A deal, a stock buy, a piece of equipment available at the right price. Same-day capital lands before the window closes.
Long-term refinance is in progress but it's weeks away. A commercial asset loan bridges the gap without adding to the long-term debt stack.
ABL is built specifically for commercial asset loans. Not a general business lender that also takes asset security. Not a bank running asset finance on the side. We do one thing.
Commercial asset loans aren't the only option. Here's how they stack up against the other ways Australian businesses access short-term capital.
| Bank business loan | Cash flow lender | Commercial asset loan (ABL) | |
|---|---|---|---|
| Assessment basis | Credit + financials + security | Trading history + bank statements | Asset value only |
| Credit check | Yes, full | Yes | No |
| Financials required | 2 years + interim | BAS, bank statements | None |
| Personal guarantees | Yes | Usually | No |
| Property security | Often required | Sometimes | Not required |
| Time to funding | 4–8 weeks | 5–10 days | Same day |
| Best for | Strong financials, long-term need | Steady trading, moderate urgency | Asset-rich, time-critical |
For a deeper breakdown, see our guides on asset-based lending vs bank lending and asset-based lending vs cash flow lending.
Five steps from enquiry to funds in your account. Most commercial asset loans settle inside 48 hours.
Truck, machinery, equipment, stock, art, gold. We'll value it the same day.
Issued within 2 hours. Costs upfront, no surprises.
Stored with us via Lloyds, or kept in service with GPS tracking fitted.
Funding released the same day once the asset is secured.
Exit any time after month one. Repay early, get the asset back.
We work with brokers and advisors across Australia. Same commercial asset loan product, same speed, same terms.
We'll get back to you the same day.
Prefer not to use the form? Email us at contact@assetbasedlending.com.au or call 1300 225 101.
The questions we get most about commercial asset loans. Call us if yours isn't here.
If you own a business asset and need short-term commercial finance, we can talk you through it in under ten minutes. No credit check, no paperwork, no commitment.
