How to Secure Asset Finance with Fiskal: A Step-by-Step Guide

Securing asset finance is a powerful way to acquire critical equipment, vehicles, or machinery without the burden of upfront costs. However, navigating the complex landscape of asset financing options can be challenging, especially if you want to avoid unfavourable terms. That’s where Fiskal comes in, simplifying and streamlining the process so you can secure the right financing solution for your unique needs. Here’s an in-depth look at how we can help you achieve that, with a focus on your long-term success.

1. Understanding Asset Finance and how Fiskal fits in

Asset finance allows you to obtain or lease physical assets, using the asset itself as collateral. It's an ideal solution for businesses that need to preserve cash flow while gaining access to essential equipment or vehicles. Unlike traditional lending, asset finance usually has flexible terms and can be tailored to your financial goals.

As a trusted Commercial Finance Brokerage, we are dedicated to helping businesses find the right financing solutions. Rather than pushing pre-packaged deals, we focus on understanding your financial situation and finding options that work best for you.

2. Why use a broker like Fiskal for Asset Finance?

There are many types of asset finance—hire purchase, equipment leasing, and operating leases, among others. Without a deep understanding of each, you could end up with a financing solution that doesn’t align with your business goals or budget.

Working with us provides several advantages:

• Access to a Wide Network of Lenders: We partner with numerous lenders, giving you more options than you'd find through a single bank or lender.
• Customised Financing Solutions: We don’t push specific products; instead, we work with you to identify the most suitable finance arrangement for your assets and growth needs.
• Objective Guidance: Unlike direct lenders, Fiskal doesn’t have its own financial products to sell, so you can trust that recommendations are based solely on your best interests.

3. The Fiskal Asset Finance process: step-by-step

Here’s how we streamline the asset finance process, so you can focus on what matters most, growing your business.

Step 1: Understanding your needs

We start by learning about your business, financial goals, and specific asset requirements. This step is essential because it provides context for the kind of financing solution you need. Whether you're looking for a short-term solution for a specific project or need a long-term lease on essential machinery, we work to match you with options that best fit your needs.

Step 2: Research and shortlisting

Once we have a complete picture of your business needs, we leverage our network of lenders to identify the best options. This includes comparing terms, interest rates, and repayment schedules to ensure the financing solution aligns with your goals and budget.

Step 3: Presenting your options

After gathering and evaluating all options, we present them in a straightforward manner, highlighting the pros and cons of each. This transparency allows you to make an informed choice.

Step 4: Application assistance

Applying for asset finance can be time-consuming, especially with the extensive documentation requirements. We can help with this part of the process, ensuring all paperwork is accurate, complete, and submitted on time. Our team will also negotiate on your behalf to ensure you’re getting the best possible terms and conditions.

Step 5: Ongoing support and partnership

Even after securing your asset finance, Fiskal remains a valuable partner. As your business grows and evolves, your financing needs may change. Whether it’s Invoice Finance, Business Loans, Revolving Credit, or any other commercial finance requirements you have, we offer ongoing support, helping you manage and optimise your financing arrangements over time.

4. Types of Asset Finance options available through Fiskal

Asset finance is versatile, with different options tailored to various business needs. Here are some options we can help you navigate:

• Hire Purchase: Own the asset at the end of the term while spreading the cost over time. Ideal for businesses that want eventual ownership.
• Finance Lease: Rent an asset over a specified period without ownership, often with lower monthly payments.
• Operating Lease: Useful for assets with short lifespans; you can use the asset without bearing the burden of depreciation.
• Refinancing Options: If you own valuable assets and need cash flow, we can help you leverage existing assets for a quick injection of funds.

5. Why our approach to Asset Finance stands out

What truly sets Fiskal apart is our dedication to your long-term success. Instead of pushing for a quick deal, we take a client-centric approach, prioritising transparency and your best interests. This means you can trust that any recommendation is genuinely designed to benefit your business, whether in terms of cost-efficiency, flexibility, or future growth potential.

Final Thoughts: Grow Confidently with the Right Asset Finance Solution

With the right asset finance solution, you can equip your business with essential tools, maintain cash flow, and focus on expanding. Our expertise and client-centred approach make us a trusted partner for businesses seeking asset finance solutions that align with their financial objectives.

If you're ready to secure asset finance, or have any other funding requirements, reach out to us and start a conversation. With an expert broker on your side, you can approach your funding needs with confidence and the knowledge that you're making the best choice for your business.