CapStack Asset Finance: Specialist Asset Finance Solutions for Australian SMEs

Access to the right equipment and vehicles can be the difference between standing still and scaling with confidence. For many Australian businesses - particularly in transport, logistics, and manufacturing - asset investment is not optional. It is fundamental to operations, growth, and competitiveness.

CapStack Asset Finance is a specialist asset finance broker helping Australian small and medium-sized businesses fund the equipment and vehicles they need to operate, grow, and scale with confidence.

We work with businesses across Australia - particularly in transport, logistics, and manufacturing - to structure asset finance solutions that are commercially sound, practical, and aligned with real operational needs.

CapStack Asset Finance is part of the broader CapStack group, a commercial finance advisory known for its structured, relationship-led approach to business funding.

What Is Asset Finance?

Asset finance is a form of business finance used to purchase income-producing assets such as equipment, machinery, and vehicles. Instead of paying the full cost upfront, businesses spread repayments over time while using the asset to generate revenue.

Asset finance is commonly used by Australian SMEs to:

• Preserve working capital

• Match repayments to asset usage

• Invest in productivity and growth

• Upgrade or replace essential business assets

CapStack Asset Finance specialises exclusively in this area, providing advice and access to funding structures that suit different asset types, industries, and business models.

Who CapStack Asset Finance Works With

CapStack Asset Finance works with Australian SMEs that rely on physical assets to operate efficiently.

Our core client base includes:

• Transport and logistics operators

• Manufacturing and industrial businesses

• Warehousing and distribution companies

• Asset-intensive service providers

We support businesses Australia-wide, across metropolitan, regional, and industrial markets.

Our Core Focus: Equipment Finance and Vehicle Finance

While we assist with a broad range of asset-backed funding solutions, our primary focus is on equipment finance and vehicle and fleet finance, where asset performance and funding structure are closely linked to business outcomes.

Equipment Finance for Australian Businesses

Equipment finance allows businesses to acquire machinery and equipment while spreading repayments over time. This is particularly important for manufacturing and industrial businesses where equipment is central to output and efficiency.

CapStack Asset Finance assists with funding for:

• Manufacturing and production machinery

• Industrial and processing equipment

• Warehousing and materials-handling equipment

• Automation, technology, and specialised tools

Our approach considers asset lifespan, usage intensity, and cash flow timing so the finance structure supports long-term operations—not short-term pressure.

Vehicle and Fleet Finance for Transport and Logistics

Vehicle and fleet finance is critical for businesses where vehicles are revenue-generating assets.

CapStack Asset Finance supports funding for:

• Trucks and heavy vehicles

• Vans, utes, and commercial vehicles

• Trailers and specialised transport equipment

• Growing or replacing vehicle fleets

We work with both single-vehicle operators and multi-vehicle fleets, helping businesses structure finance that aligns with fleet strategy, maintenance cycles, and growth plans.

A Creative, Commercial Approach to Asset Finance

Not all businesses fit standard lending templates. Many SMEs operate with seasonal revenue, contract-based income, or evolving asset needs.

CapStack Asset Finance is known for its commercially minded, problem-solving approach. We work across a wide panel of bank and non-bank lenders, using our understanding of lender credit frameworks to structure solutions that reflect how businesses actually operate.

Our role includes:

• Advising on the most appropriate finance structure for each asset

• Matching businesses with lenders aligned to their industry and asset type

• Managing lender requirements clearly and efficiently

• Supporting clients beyond settlement as their asset needs evolve

We do not take a transactional view of asset finance. We focus on building funding structures that grow with the business.

How CapStack Asset Finance Helps Businesses Grow

CapStack Asset Finance helps Australian businesses by:

• Reducing the upfront capital required to acquire assets

• Aligning repayments with operational cash flow

• Supporting expansion, replacement, and upgrade cycles

• Providing clarity around finance options and implications

Because we operate as part of the CapStack group, clients also benefit from broader commercial finance expertise as their needs change over time.

Part of the CapStack Group

CapStack Asset Finance operates as a specialist division within the CapStack group, a commercial finance advisory with experience across asset finance, business finance, and structured funding solutions.

This allows us to support businesses not only at the point of asset acquisition, but throughout their growth journey.

A Long-Term Asset Finance Partner

We believe asset finance works best when it is approached as an ongoing relationship, not a one-off transaction.

Many of our clients return to us as their businesses expand—adding vehicles, upgrading equipment, or reviewing existing finance arrangements. Our role is to provide consistent, commercially sound advice at every stage.

Speak with a CapStack Asset Finance Specialist

If you are considering financing equipment, vehicles, or fleet assets for your business, we can help you understand your options and structure the right solution.

Speak with a CapStack Asset Finance specialist to discuss your business and asset finance requirements.

Visit our Contact page to start the conversation.