Asset & Vehicle Finance

Finance for vehicles, equipment and the assets that keep you moving — for businesses and individuals alike.

Whether it's a new vehicle, machinery for the worksite or equipment to grow your business, the right asset finance keeps things moving without tying up your cash. At Circa Finance, we compare a wide panel of lenders to find competitive finance suited to the asset — and to you.


We structure the facility to fit your circumstances, handle the paperwork, and manage the process from application through to approval.

Chattel mortgage, lease or hire purchase — we'll help you understand the options and choose the structure that suits the asset and how you'll use it. 

The right structure

We compare a wide panel of lenders for a competitive deal, then manage the process from application through to approval — for clients across Newcastle and beyond.

Competitive, and handled for you

How We Can Help

Vehicle finance

Cars, utes and commercial vehicles, for business or personal use — arranged with a competitive rate and minimal fuss.

Equipment & machinery finance

Finance for the tools, machinery and equipment your business runs on, structured to protect your cash flow.

Business asset finance

From technology to fit-outs, we arrange finance for the assets that help your business grow.

FAQs

  • What can I finance?

    Vehicles, machinery, equipment, technology and more — for business or personal use. If you're not sure whether an asset qualifies, ask us and we'll let you know.

  • Can I get asset finance for personal use, or only business?

    Both. We arrange finance for businesses and individuals, and we'll structure it to suit how the asset will be used.

  • What finance structures are available?

    Common options include a chattel mortgage, lease or hire purchase. We'll explain the differences and help you choose the one that suits the asset and your circumstances.

  • What does it cost to use a broker?

    In most cases, asset finance brokers are paid a commission by the lender, so there's typically no direct charge to you for our service. We'll always be upfront about how we're paid, and about any costs, before you proceed.

Testimonials

Five black stars aligned in a row on a white background.

I couldn't recommend Kim and Georgia highly enough — an absolute powerhouse team who know how to get things done. They worked with me to refinance my mortgage, kept me informed every step of the way, and worked incredibly hard to achieve a fantastic result. If you're looking for a finance team that gets results, Kim and Georgia are your girls.

Nic Minter, Soqual Creative Agency

Five black star icons aligned in a row on a white background

Working with Kim and Circa Finance to arrange finance for our company vehicle was a genuinely positive experience. She was professional, approachable, and took the time to understand exactly what we needed, guiding us through the process with ease. Thanks to her support, we secured a competitive solution that suited our business perfectly.

Tess Andoni, Revive Building Project Management

Five black stars on a white background

We worked with Kim and Georgia to secure finance for a development site — a complex deal involving multiple stakeholders — and they made the entire process feel seamless. Their communication and ability to navigate the complexities were exceptional, and we couldn't be happier with the outcome. A fantastic team who genuinely know how to get things done.

Kyle Bishop, Bishop & Hart

Contact Our Team

Book your complimentary initial consultation with Circa Finance today.