🇦🇺Australian Owned & Operated
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⏱2-Minute Check
🚫No Credit Check
143 scenarios checked this week

How many lenders will
consider your asset finance deal?

Answer 6 quick questions about your asset finance scenario and get an estimated lender count, readiness score and structure guide — in 2 minutes. No credit check. No application. No obligation. Australian businesses only.

No credit check Free & instant 40+ lender panel 2 minutes Australian owned

Asset finance is one of Australia's most competitive lending categories — with 40+ lenders offering truck finance, equipment finance, ute finance, car finance, bus finance, medical equipment finance and more, each with different criteria around ABN age, credit history, deposit, asset age and documentation. This free tool matches your scenario against real lender criteria so you know which lenders are likely to consider your deal before you apply.

30-second preview No credit check

Check lender availability

Quick scenario check — unlocks a free Finance Estimator with estimated repayments and rates.

🧮 Complete the check to unlock the free Finance Estimator — estimated repayments, rates & matched lenders.
Partner lender panel
⏱
2 min
To complete
🏦
40+
Lender criteria sets
📊
81%
Avg readiness score
🔒
0
Credit checks run

What Australian business owners say

★★★★★2 weeks ago

"I was quoted 9% by my bank. This tool matched me with 6 lenders — ended up at 6.2%, saving around $8,400 over the 5-year term."

D
David M.
Truck finance · Brisbane
★★★★★1 month ago

"Managing a fleet of 14 vehicles, I use this every time we add a new one. Cuts 2+ hours of broker shopping to under 2 minutes, every time."

S
Sarah K.
Fleet finance · Sydney
★★★★★3 weeks ago

"New ABN, no trading history — thought I'd get nowhere. Was matched with 4 lenders willing to look at my scenario. Settled in 5 days at 7.4%."

J
James P.
Excavator finance · Melbourne
★★★★☆1 week ago

"Simple, quick and no pressure. Got a call from the broker the same day with 3 solid options. Financed my Hilux the same week at 6.8%."

L
Lisa T.
Ute finance · Perth

How the finance check works

01
Answer 6 quick questions
About the asset, your business and preferred docs. Takes around 2 minutes.
02
We analyse 40+ lender criteria
Your scenario is matched against real lending rules — asset age, ABN, credit, deposit and more.
03
See your estimated lender range
Discover how many lenders may consider the scenario, your readiness score, and likely structures.

Common questions

Is this a real finance application?
No. It's a scenario check only. No credit enquiry is made at this stage.
Will this affect my credit score?
No. We do not access your credit file. Your score is completely unaffected.
What's the benefit of checking before applying?
Checking lender fit first helps you avoid multiple hard credit enquiries, identify the right loan structure upfront, and saves weeks of back-and-forth with lenders who aren't suited to your situation.
Can I check for a used or older asset?
Yes. We track each lender's asset age restrictions individually. Some accept assets 20+ years old, others focus on newer equipment. The tool factors this into your estimate.
Do I see live interest rates?
No. You see estimated lender availability and structure guidance — not rates. Rates are confirmed at assessment stage by your broker.
What happens after I complete it?
A specialist broker reviews your scenario and contacts you within 1 business day. You're under no obligation to proceed.

Check how many lenders may consider your deal — before you apply

No application. No credit check. Just a quick, scenario-based estimate.

Disclaimer: Interest rates are determined by term, credit profile and assessment. Rate loadings, risk fees and establishment fees ($0–$495) may apply. Different terms or loan amounts may produce a different comparison rate. Lending criteria, fees and conditions apply and are subject to change without notice. Rates are indicative and for new loans only.

This is general information only and does not consider your objectives, financial situation or needs. We are an information service, not a credit provider, and do not recommend any particular product or provider. BBFA, the owner of this site, partners with licensed brokers and financial service businesses who pay a marketing fee when receiving your enquiry.

© 2026 Asset Lender Check. All Rights Reserved. Powered by Black Bear Finance & Advisory, 300 Queen St Brisbane QLD 4000
STEP 1 OF 6
QUESTION 1

What asset are you financing?

Different lenders specialise in different asset classes.

🚛
TruckPrime mover, rigid, tipper
🚚
TrailerFlatbed, curtain, fridge
⚙️
EquipmentExcavator, forklift, plant
🚗
Ute / VanTrade vehicle, fleet
🚘
CarPassenger, sedan, SUV
🏥
MedicalDental, imaging, lab
💻
IT / ComputerServers, hardware, tech
🚌
Bus / CoachSchool, charter, transit
🚐
Light CommercialSmall truck, panel van, people mover
STEP 2 OF 60 lenders available
QUESTION 2

Approximate purchase price?

Helps narrow the lender pool.

Under $25,000
$25,000 – $100,000
$100,000 – $250,000
$250,000 – $500,000
$500,000+
STEP 3 OF 60 lenders available
QUESTION 3

New or used asset?

Older assets can narrow the available lenders.

Brand new
1–5 years old
6–10 years old
11–15 years old
Over 15 years old
STEP 4 OF 60 lenders available
QUESTION 4

About the business

ABN age, GST and deposit affect lender eligibility.

ABN age
No ABN yet
Under 6 months
6mo – 2 years
2+ years
GST registered?
Yes
No
Deposit available
Nil
~10%
10–20%
20%+
STEP 5 OF 60 lenders available
QUESTION 5

Credit history?

No credit check is run — just helps estimate lender fit.

✓
CleanNo defaults or late payments
~
Minor issuesSmall paid defaults or late payments
!
Working through some issuesUnpaid defaults or discharged bankruptcy
STEP 6 OF 60 lenders available
QUESTION 6

Documentation preference?

Affects lender flexibility and approval speed.

📄
Full documentationTax returns & full financials
⚡
Low docBank statements or BAS only
🔥
Lite doc / asset-backedMinimal paperwork
🚀
Fastest approval prioritySpeed matters most

Analysing your scenario

Checking against 40+ lender criteria sets...

Checking asset eligibility
Matching business profile
Calculating readiness score
✓
Scenario
2
Result
3
Contact
Scenario assessed

Good news — up to 9 lenders may fit this truck finance scenario

Your scenario fits a reasonable range on our partner panel.

9
Lender matches
82%
Readiness score
3
Structure types
⏳Lender criteria can change. This estimate reflects today's panel availability.
82%
Finance readiness score

Unlock your results & free estimator

Enter your email and mobile to unlock the Finance Estimator and have a specialist broker reach out with your options.

🧮Finance Estimator
$2,847
Monthly
6.29%
Rate (from)
9
Lenders
🔒
Unlock your estimator
See estimated repayments & rate

No credit check. No obligation. By submitting, a specialist broker may contact you about your options.

i

Methodology: Results are estimates based on your answers and the lending criteria of participating partner lenders. Not a credit quote, recommendation, or guarantee. A licensed broker assessment is required before any application.

Michael from Brisbane
Checked truck finance · 2 min ago