Service 06
Vehicle & Equipment Loans
Financing for personal cars, commercial fleets and plant or machinery, including refinance on assets you already own, with lenders matched to your usage profile.
Who this is for
Fleet operators, contractors and manufacturers adding capacity, and buyers of personal vehicles.
What we deliver on this mandate
- Lender matched to asset type, age and usage
- Refinance appraisal on existing assets
- Repayment structured to the earning pattern of the asset
- Documentation and hypothecation follow-through
How the file is built
- 01Financial SWOTWritten position on what you can raise, and on what basis.
- 02Instrument designFacility structure, tenure and repayment profile.
- 03End-use justificationEnd-use note tied to the project or operating cycle.
- 04Banker-grade appraisalCMA data, projections, ratio and DSCR workings, project report.
- 05Lender matchingA matched lender, with the reasoning shown to you.
Questions we get on vehicle & equipment loans
Can I raise money against vehicles or machines I already own?
Yes — refinance against owned assets is a standard route and often the cheapest short-notice capital a fleet operator or manufacturer has available.
Does the age of the asset matter?
Considerably, and different lenders draw the line in different places. Matching the asset to the right lender is most of the job.
Fifteen minutes will tell you if this is the right instrument.
Free eligibility assessment, then a written fee proposal if we take the mandate on.