Frequently Asked Questions (FAQs)
General Questions
What services does All Asset Finance offer?
We offer a full range of finance solutions including Equipment Finance, Vehicle & Fleet Finance, Novated Leases, Personal Loans, and Refinancing.
We help individuals and businesses secure funding for almost any asset — from cars and trucks to machinery, boats, caravans, and office equipment.
How long has All Asset Finance been in business?
Our founders, Kristy and Damien Mirkovic, bring over 16 years of experience in asset finance. We’ve built our reputation on repeat and referral clients across Australia.
Do you only work with businesses, or can individuals apply too?
Both! We offer finance for businesses and individuals, including self-employed professionals, company directors, and salaried employees.
Where are you based?
We’re located at Unit 11, 28–32 Lee Holm Road, St Marys NSW 2760, but we serve clients Australia-wide.
How do I get started?
You can call Kristy Mirkovic on 📞 0424 893 251 or email kristy@allassetfinance.net.au for a free, no-obligation quote.
Loan & Finance Questions
What is asset finance?
Asset finance allows you to purchase or lease vehicles, machinery, or other equipment without paying the full cost upfront. It helps you spread the cost over time while preserving your working capital.
What’s the difference between secured and unsecured loans?
A secured loan uses an asset (like a car or equipment) as security, often offering lower rates.
An unsecured loan doesn’t require collateral but may have higher interest rates.
How long does finance approval take?
In most cases, applications are processed and approved within 24–48 hours, depending on the lender and documentation.
What information do I need to apply?
You’ll need proof of ID, income documents (like payslips or financial statements), business details (if applicable), and details about the asset you want to finance.
Can I apply if I have a new business or limited financial history?
Yes. We work with lenders who specialise in helping start-ups and small businesses. Our team will help you find the best fit for your situation.
Vehicle & Equipment Finance Questions
Can I finance both new and used assets?
Yes, we finance both new and used vehicles and equipment, provided they meet the lender’s age and condition requirements.
What types of vehicles can I finance?
We finance cars, trucks, buses, utes, trailers, caravans, boats, and even earthmoving or agricultural machinery. Basically, anything with a VIN (Vehicle Identification Number).
Can I finance multiple vehicles at once?
Absolutely! Our Fleet Finance options are designed for businesses that need to fund several vehicles under one agreement.
Can I refinance my existing vehicle or equipment loan?
Yes, refinancing can help you reduce your interest rate, lower repayments, or upgrade to newer assets.
Novated Lease Questions
What is a novated lease?
A novated lease is a salary packaging arrangement where your vehicle payments come from your pre-tax income, helping you save on tax.
Who can get a novated lease?
Employees who receive a regular salary and whose employer allows salary packaging are eligible.
Can I include running costs like fuel and maintenance?
Yes! A fully maintained novated lease includes running costs such as fuel, insurance, and servicing — all in one simple payment.
What happens if I change jobs or leave my employer?
If you leave your job, the lease can usually be transferred to your new employer, or you can take over the lease personally. Our team will guide you through the best option based on your situation.
Personal Loan & Refinancing Questions
What can I use a personal loan for?
You can use it for almost anything — buying a car, consolidating debt, funding travel, or covering unexpected expenses.
What is refinancing?
Refinancing means replacing your current loan with a new one — usually to lower interest rates, extend repayment terms, or combine multiple loans into one.
Can I refinance my business or personal loans with All Asset Finance?
Yes, we specialise in business loan and personal loan refinancing to help you save money and simplify repayments.
Other Common Questions
How long does it take to get finance approved?
Most applications are approved within 24 to 48 hours, depending on the type of finance and the documentation provided.
What documents do I need to apply?
You’ll typically need proof of identity, income details, and asset or liability information. For business finance, recent financial statements may also be required.
Do you work with multiple lenders?
Yes — we have access to over 47 trusted lenders, including major banks and specialist financiers, to help you get the best possible rates and terms.
Still Have Questions?
We’re Here To Help You Every Stage Turn Journey
📞 Call Kristy Mirkovic on 0424 893 251
📧 Email: kristy@allassetfinance.net.au