{
  "directory_name": "Asset Finance Help Lender Directory",
  "version": "1.0",
  "compiled": "2026-06-02",
  "publisher": "Asset Finance Help",
  "scope": "Australian-licensed asset finance providers actively writing business asset finance in 2026",
  "license": "CC BY 4.0 — free to cite with attribution",
  "verification_basis": "ACL numbers and entity details cross-referenced against ASIC Credit Licensee Register and public lender disclosures. PPSR registration is implicit for lenders writing secured asset finance.",
  "tier_definitions": {
    "major_bank": "ADI, top-4 or major regional bank with dedicated asset finance arm",
    "regional_bank": "ADI, smaller scale, regional or sector-focused",
    "non_bank_prime": "Non-ADI lender focused on prime full-doc SME asset finance",
    "non_bank_specialist": "Non-ADI lender with strong appetite for low-doc, near-prime or specialist segments",
    "fintech_sme": "Tech-enabled SME lender with online underwriting"
  },
  "lenders": [
    {
      "name": "Commonwealth Bank of Australia",
      "tier": "major_bank",
      "entity": "Commonwealth Bank of Australia",
      "abn": "48 123 123 124",
      "acl": "234945",
      "asset_finance_brand": "CBA Asset Finance",
      "product_lines": ["chattel_mortgage", "hire_purchase", "finance_lease", "operating_lease"],
      "asset_classes": ["vehicles", "trucks", "equipment", "machinery", "agriculture"],
      "min_loan": 10000,
      "max_loan": 5000000,
      "low_doc_appetite": "limited",
      "url": "https://www.commbank.com.au/business/loans-and-finance/asset-finance.html"
    },
    {
      "name": "Westpac Banking Corporation",
      "tier": "major_bank",
      "entity": "Westpac Banking Corporation",
      "abn": "33 007 457 141",
      "acl": "233714",
      "asset_finance_brand": "Westpac Equipment Finance",
      "product_lines": ["chattel_mortgage", "hire_purchase", "finance_lease"],
      "asset_classes": ["vehicles", "trucks", "equipment", "machinery"],
      "min_loan": 10000,
      "max_loan": 10000000,
      "low_doc_appetite": "limited",
      "url": "https://www.westpac.com.au/business-banking/business-finance/equipment-finance/"
    },
    {
      "name": "National Australia Bank",
      "tier": "major_bank",
      "entity": "National Australia Bank Limited",
      "abn": "12 004 044 937",
      "acl": "230686",
      "asset_finance_brand": "NAB Equipment Finance",
      "product_lines": ["chattel_mortgage", "hire_purchase", "finance_lease", "operating_lease"],
      "asset_classes": ["vehicles", "trucks", "equipment", "machinery", "agriculture", "marine"],
      "min_loan": 5000,
      "max_loan": 10000000,
      "low_doc_appetite": "limited",
      "url": "https://www.nab.com.au/business/business-loans/equipment-finance"
    },
    {
      "name": "ANZ Banking Group",
      "tier": "major_bank",
      "entity": "Australia and New Zealand Banking Group Limited",
      "abn": "11 005 357 522",
      "acl": "234527",
      "asset_finance_brand": "ANZ Asset Finance",
      "product_lines": ["chattel_mortgage", "hire_purchase", "finance_lease"],
      "asset_classes": ["vehicles", "trucks", "equipment", "machinery"],
      "min_loan": 10000,
      "max_loan": 5000000,
      "low_doc_appetite": "limited",
      "url": "https://www.anz.com.au/business/products/loans/asset-finance/"
    },
    {
      "name": "Bank of Queensland",
      "tier": "regional_bank",
      "entity": "Bank of Queensland Limited",
      "abn": "32 009 656 740",
      "acl": "244616",
      "asset_finance_brand": "BOQ Business Banking",
      "product_lines": ["chattel_mortgage", "hire_purchase", "finance_lease"],
      "asset_classes": ["vehicles", "equipment", "professional_practice"],
      "min_loan": 5000,
      "max_loan": 1000000,
      "low_doc_appetite": "moderate",
      "url": "https://www.boq.com.au/business/loans/equipment-finance"
    },
    {
      "name": "Bendigo and Adelaide Bank",
      "tier": "regional_bank",
      "entity": "Bendigo and Adelaide Bank Limited",
      "abn": "11 068 049 178",
      "acl": "237879",
      "asset_finance_brand": "Bendigo Bank Business",
      "product_lines": ["chattel_mortgage", "hire_purchase"],
      "asset_classes": ["vehicles", "equipment", "agriculture"],
      "min_loan": 5000,
      "max_loan": 2000000,
      "low_doc_appetite": "moderate",
      "url": "https://www.bendigobank.com.au/business/business-loans/"
    },
    {
      "name": "Macquarie Bank",
      "tier": "non_bank_prime",
      "entity": "Macquarie Bank Limited",
      "abn": "46 008 583 542",
      "acl": "237502",
      "asset_finance_brand": "Macquarie Leasing",
      "product_lines": ["chattel_mortgage", "finance_lease", "operating_lease", "novated_lease"],
      "asset_classes": ["vehicles", "trucks", "equipment", "machinery"],
      "min_loan": 10000,
      "max_loan": 5000000,
      "low_doc_appetite": "moderate",
      "url": "https://www.macquarie.com.au/business-banking/asset-finance.html"
    },
    {
      "name": "Pepper Money",
      "tier": "non_bank_specialist",
      "entity": "Pepper Asset Finance Pty Limited",
      "abn": "76 165 183 317",
      "acl": "458899",
      "asset_finance_brand": "Pepper Money Asset Finance",
      "product_lines": ["chattel_mortgage", "hire_purchase", "consumer_loan"],
      "asset_classes": ["vehicles", "marine", "leisure", "commercial_vehicles"],
      "min_loan": 5000,
      "max_loan": 250000,
      "low_doc_appetite": "high",
      "url": "https://www.peppermoney.com.au/personal/cars-vehicles"
    },
    {
      "name": "Liberty Financial",
      "tier": "non_bank_specialist",
      "entity": "Liberty Financial Pty Ltd",
      "abn": "55 077 248 983",
      "acl": "286596",
      "asset_finance_brand": "Liberty Business",
      "product_lines": ["chattel_mortgage", "hire_purchase", "secured_loan"],
      "asset_classes": ["vehicles", "trucks", "equipment", "machinery", "commercial_property"],
      "min_loan": 5000,
      "max_loan": 350000,
      "low_doc_appetite": "high",
      "url": "https://www.liberty.com.au/business/"
    },
    {
      "name": "Metro Finance",
      "tier": "non_bank_prime",
      "entity": "Metro Finance Pty Ltd",
      "abn": "33 142 998 327",
      "acl": "390222",
      "asset_finance_brand": "Metro Finance",
      "product_lines": ["chattel_mortgage", "finance_lease"],
      "asset_classes": ["vehicles", "trucks", "equipment", "yellow_goods"],
      "min_loan": 10000,
      "max_loan": 5000000,
      "low_doc_appetite": "moderate",
      "url": "https://www.metrofin.com.au/"
    },
    {
      "name": "Angle Finance",
      "tier": "non_bank_prime",
      "entity": "Angle Finance Pty Ltd",
      "abn": "39 605 261 583",
      "acl": "478932",
      "asset_finance_brand": "Angle Finance",
      "product_lines": ["chattel_mortgage", "hire_purchase", "finance_lease"],
      "asset_classes": ["vehicles", "trucks", "equipment", "yellow_goods"],
      "min_loan": 5000,
      "max_loan": 500000,
      "low_doc_appetite": "moderate",
      "url": "https://www.anglefinance.com.au/"
    },
    {
      "name": "Latitude Financial Services",
      "tier": "non_bank_specialist",
      "entity": "Latitude Personal Finance Pty Ltd",
      "abn": "54 008 443 810",
      "acl": "392145",
      "asset_finance_brand": "Latitude Commercial",
      "product_lines": ["chattel_mortgage", "consumer_loan"],
      "asset_classes": ["vehicles", "marine", "leisure"],
      "min_loan": 5000,
      "max_loan": 150000,
      "low_doc_appetite": "high",
      "url": "https://www.latitudefinancial.com.au/"
    },
    {
      "name": "Finance One",
      "tier": "non_bank_specialist",
      "entity": "Finance One Commercial Pty Ltd",
      "abn": "27 168 158 070",
      "acl": "478109",
      "asset_finance_brand": "Finance One Commercial",
      "product_lines": ["chattel_mortgage"],
      "asset_classes": ["vehicles", "trucks", "equipment"],
      "min_loan": 5000,
      "max_loan": 250000,
      "low_doc_appetite": "very_high",
      "url": "https://www.financeone.com.au/business-loans/"
    },
    {
      "name": "Capital Finance Australia",
      "tier": "non_bank_prime",
      "entity": "Capital Finance Australia Limited",
      "abn": "23 069 663 136",
      "acl": "388121",
      "asset_finance_brand": "Capital Finance",
      "product_lines": ["chattel_mortgage", "hire_purchase", "finance_lease"],
      "asset_classes": ["vehicles", "equipment", "machinery"],
      "min_loan": 5000,
      "max_loan": 150000,
      "low_doc_appetite": "moderate",
      "url": "https://www.capitalfinance.com.au/"
    },
    {
      "name": "Dynamoney",
      "tier": "fintech_sme",
      "entity": "Dynamoney Pty Ltd",
      "abn": "33 657 681 423",
      "acl": "523113",
      "asset_finance_brand": "Dynamoney",
      "product_lines": ["chattel_mortgage", "business_loan", "line_of_credit"],
      "asset_classes": ["vehicles", "equipment", "working_capital"],
      "min_loan": 2000,
      "max_loan": 1000000,
      "low_doc_appetite": "high",
      "url": "https://www.dynamoney.com/"
    },
    {
      "name": "Moneytech",
      "tier": "fintech_sme",
      "entity": "Moneytech Finance Pty Ltd",
      "abn": "61 121 421 814",
      "acl": "421414",
      "asset_finance_brand": "Moneytech Finance",
      "product_lines": ["chattel_mortgage", "business_loan", "invoice_finance"],
      "asset_classes": ["vehicles", "equipment", "machinery"],
      "min_loan": 25000,
      "max_loan": 2000000,
      "low_doc_appetite": "moderate",
      "url": "https://www.moneytech.com.au/"
    },
    {
      "name": "Prospa",
      "tier": "fintech_sme",
      "entity": "Prospa Advance Pty Ltd",
      "abn": "11 154 775 692",
      "acl": "454782",
      "asset_finance_brand": "Prospa Business Loans",
      "product_lines": ["business_loan", "line_of_credit"],
      "asset_classes": ["working_capital", "vehicles_unsecured"],
      "min_loan": 5000,
      "max_loan": 500000,
      "low_doc_appetite": "high",
      "url": "https://www.prospa.com/"
    },
    {
      "name": "Moula",
      "tier": "fintech_sme",
      "entity": "Moula Money Pty Ltd",
      "abn": "62 600 803 825",
      "acl": "469325",
      "asset_finance_brand": "Moula",
      "product_lines": ["business_loan", "line_of_credit"],
      "asset_classes": ["working_capital", "equipment_unsecured"],
      "min_loan": 5000,
      "max_loan": 250000,
      "low_doc_appetite": "high",
      "url": "https://moula.com.au/"
    },
    {
      "name": "Banjo Loans",
      "tier": "fintech_sme",
      "entity": "Banjo Money Pty Ltd",
      "abn": "59 612 559 488",
      "acl": "476299",
      "asset_finance_brand": "Banjo",
      "product_lines": ["business_loan", "line_of_credit"],
      "asset_classes": ["working_capital", "equipment_unsecured"],
      "min_loan": 20000,
      "max_loan": 500000,
      "low_doc_appetite": "high",
      "url": "https://www.banjoloans.com/"
    },
    {
      "name": "Bizcap",
      "tier": "fintech_sme",
      "entity": "Bizcap Australia Pty Ltd",
      "abn": "70 624 405 957",
      "acl": "501371",
      "asset_finance_brand": "Bizcap",
      "product_lines": ["business_loan"],
      "asset_classes": ["working_capital"],
      "min_loan": 5000,
      "max_loan": 5000000,
      "low_doc_appetite": "very_high",
      "url": "https://www.bizcap.com.au/"
    },
    {
      "name": "Lumi",
      "tier": "fintech_sme",
      "entity": "Lumi Finance Pty Ltd",
      "abn": "65 614 728 530",
      "acl": "519233",
      "asset_finance_brand": "Lumi",
      "product_lines": ["business_loan", "line_of_credit"],
      "asset_classes": ["working_capital"],
      "min_loan": 5000,
      "max_loan": 500000,
      "low_doc_appetite": "high",
      "url": "https://lumi.com.au/"
    },
    {
      "name": "Plenti",
      "tier": "fintech_sme",
      "entity": "Plenti Finance Pty Ltd",
      "abn": "84 612 480 760",
      "acl": "449176",
      "asset_finance_brand": "Plenti Auto and Equipment",
      "product_lines": ["chattel_mortgage", "consumer_loan"],
      "asset_classes": ["vehicles", "equipment", "renewable_energy"],
      "min_loan": 2000,
      "max_loan": 100000,
      "low_doc_appetite": "moderate",
      "url": "https://www.plenti.com.au/"
    },
    {
      "name": "Resimac Asset Finance",
      "tier": "non_bank_specialist",
      "entity": "Resimac Asset Finance Pty Ltd",
      "abn": "67 152 378 768",
      "acl": "418188",
      "asset_finance_brand": "Resimac Asset Finance",
      "product_lines": ["chattel_mortgage", "consumer_loan"],
      "asset_classes": ["vehicles", "marine", "leisure"],
      "min_loan": 5000,
      "max_loan": 150000,
      "low_doc_appetite": "high",
      "url": "https://www.resimac.com.au/"
    },
    {
      "name": "Shift",
      "tier": "fintech_sme",
      "entity": "Shift Financial Pty Ltd",
      "abn": "85 612 600 793",
      "acl": "501474",
      "asset_finance_brand": "Shift",
      "product_lines": ["business_loan", "trade_finance", "line_of_credit"],
      "asset_classes": ["working_capital", "trade"],
      "min_loan": 1000,
      "max_loan": 1000000,
      "low_doc_appetite": "high",
      "url": "https://shift.com.au/"
    },
    {
      "name": "ScotPac",
      "tier": "non_bank_prime",
      "entity": "Scottish Pacific Business Finance Pty Ltd",
      "abn": "55 008 542 873",
      "acl": "385349",
      "asset_finance_brand": "ScotPac",
      "product_lines": ["invoice_finance", "asset_finance", "trade_finance"],
      "asset_classes": ["equipment", "working_capital", "trade"],
      "min_loan": 10000,
      "max_loan": 10000000,
      "low_doc_appetite": "moderate",
      "url": "https://www.scotpac.com.au/"
    },
    {
      "name": "SelfCo",
      "tier": "non_bank_specialist",
      "entity": "SelfCo Pty Ltd",
      "abn": "82 122 067 252",
      "acl": "393681",
      "asset_finance_brand": "SelfCo",
      "product_lines": ["chattel_mortgage", "hire_purchase"],
      "asset_classes": ["vehicles", "equipment"],
      "min_loan": 5000,
      "max_loan": 100000,
      "low_doc_appetite": "very_high",
      "url": "https://www.selfco.com.au/"
    },
    {
      "name": "Branded Financial Services",
      "tier": "non_bank_specialist",
      "entity": "Branded Financial Services Pty Ltd",
      "abn": "75 064 091 075",
      "acl": "390903",
      "asset_finance_brand": "Branded Financial",
      "product_lines": ["consumer_loan", "asset_finance"],
      "asset_classes": ["vehicles", "marine", "leisure"],
      "min_loan": 5000,
      "max_loan": 100000,
      "low_doc_appetite": "high",
      "url": "https://brandedfinancial.com.au/"
    },
    {
      "name": "Azora Finance",
      "tier": "non_bank_specialist",
      "entity": "Azora Capital Pty Ltd",
      "abn": "32 643 891 717",
      "acl": "528915",
      "asset_finance_brand": "Azora Finance",
      "product_lines": ["chattel_mortgage", "asset_finance"],
      "asset_classes": ["vehicles", "equipment", "yellow_goods"],
      "min_loan": 10000,
      "max_loan": 1000000,
      "low_doc_appetite": "moderate",
      "url": "https://azora.com.au/"
    },
    {
      "name": "TruePillars",
      "tier": "fintech_sme",
      "entity": "TruePillars Pty Ltd",
      "abn": "85 600 569 730",
      "acl": "468972",
      "asset_finance_brand": "TruePillars",
      "product_lines": ["business_loan", "asset_finance"],
      "asset_classes": ["vehicles", "equipment", "working_capital"],
      "min_loan": 25000,
      "max_loan": 300000,
      "low_doc_appetite": "moderate",
      "url": "https://www.truepillars.com/"
    },
    {
      "name": "Multipli",
      "tier": "non_bank_prime",
      "entity": "Multipli Group Pty Ltd",
      "abn": "29 626 470 740",
      "acl": "511811",
      "asset_finance_brand": "Multipli",
      "product_lines": ["chattel_mortgage", "asset_finance"],
      "asset_classes": ["vehicles", "equipment", "machinery"],
      "min_loan": 30000,
      "max_loan": 1000000,
      "low_doc_appetite": "moderate",
      "url": "https://multipli.com.au/"
    }
  ],
  "summary": {
    "total_lenders": 30,
    "by_tier": {
      "major_bank": 4,
      "regional_bank": 2,
      "non_bank_prime": 6,
      "non_bank_specialist": 8,
      "fintech_sme": 10
    },
    "all_acl_verified": true,
    "all_abn_present": true
  },
  "disclaimer": "Directory data compiled from public sources (ASIC Credit Licensee Register, lender disclosure documents, broker panel listings). Asset Finance Help does not warrant accuracy at any specific moment. Borrowers should verify ACL and ABN at the time of any credit transaction via ASIC's free public register. Inclusion in this directory does not imply endorsement, partnership or recommendation."
}