What Can You Finance?
A guide to vehicles, equipment, assets and life's special moments.
FLOW Financial Services
Finance isn’t just for cars.
Many types of vehicles, machinery and business equipment can be financed through specialist lenders, along with life events and medical needs.
Most people don’t realise just how wide the world of asset finance really is. Whether you’re a tradie buying heavy machinery, a family upgrading their caravan, or someone finally planning that dream wedding. Flow Financial Services can help you finance far more than you might think. Here’s some common examples of assets businesses and individuals finance through Flow Financial Services.
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Cars, Motorcycles & Trucks
New, used, or in need of repair, we’ll find the right loan for the vehicle you want
Car Loans
New cars, used cars, first car, family car, car for small business
Compare 40+ lenders, secure wholesale rates, and drive away knowing you received the best deal without the dealership pressure.
Motorcycle Finance
New bikes, used bikes, first bike, road bikes, cruisers, dirt bikes, trail bikes, scooters, weekend
riders
Whether you are looking for road bikes, adventure tourers, or dirt bikes, we will find a
competitive rate and get your motorbike finance sorted with zero stress.
Truck Finance
Light trucks, medium trucks, heavy trucks, prime movers, tippers, delivery trucks, refrigerated
trucks, first truck, fleet expansion
From light rigid vehicles to heavy haulage, our brokers know truck finance inside out and will
secure the best deal to get you moving fast.
Trailer Finance
Box trailers, caged trailers, tandem trailers, flatbed trailers, car carriers, motorbike trailers, boat
trailers, cargo trailers, first trailer, work or personal use
Looking for box trailers, flatbeds, enclosed trailers, or car haulers? We offer competitive rates
and fast approvals for all trailer types, new or used.
Vehicle Repair Loan
Emergency repairs, engine repairs, transmission repairs, bodywork, electrical repairs, tyres and wheels, routine maintenance
Keep your car on the road without the financial stress. We provide fast, easy finance for major mechanical repairs with same-day approvals available.
Food Truck & Mobile Bar Finance
Food trucks, mobile coffee vans, mobile bars, catering trailers, ice cream vans, pizza vans, cocktail bars on wheels, food van conversions
We work with lenders who understand fitted-out and modified vehicles so you can finance yourmobile setup without the runaround whether you’re flipping burgers or pouring cocktails.
Fleet Finance
Business fleets, multi-vehicle purchases, utes, vans, company cars, delivery vehicles, trade
vehicles
Expand your fleet without tying up cash flow. We structure flexible finance solutions tailored to
your business needs and growth plans.
Rideshare & Taxi Vehicle Finance
Uber vehicles, DiDi vehicles, rideshare cars, taxi plates, hybrid vehicles, high-kilometre work
vehicles
Get on the road and earn sooner. We provide fast, flexible vehicle finance designed for
rideshare and taxi drivers.
ATV & Quad Bike Finance
Quad bikes, ATVs, side-by-sides, UTVs, farm ATVs, recreational quad bikes, youth ATVs
Whether for work or play, we make ATV finance simple. Access competitive rates, fast
approvals, and flexible repayment options.
Asset Loans
Boats, jet skis, motorcycles, caravans, lifestyle assets, recreational vehicles, personal-use equipment
Finance any new or used asset with same-day approvals available. We compare 40+ lenders to lock in the best rate for your situation.
Caravans & Recreational Assets
Nothing should stand between you and the open road or the open water
Caravan Loans
Caravans, camper trailers, motorhomes, RVs, pop-top caravans, touring vans
Whether it is new, used, a pop-top, or a fifth-wheeler, we will find you a competitive caravan loan so you can hit the open road sooner than you think.
Boat Finance
Fishing boats, speed boats, family leisure boats, aluminium boats, fibreglass boats, first boat,
used boats, new boats
From tinnies to cabin cruisers, our brokers will save you time, money, and hassle so you can get
on the water in the boat you really want.
Jet Ski Finance
New jet skis, used jet skis, performance models, recreational watercraft, high-performance models, family jetskis
Finance any personal watercraft with fast approvals and competitive rates from a broker who knows recreational asset lending inside out.
Horse Float Finance
Single horse floats, multi-horse floats, gooseneck floats, bumper-pull floats, first-time buyers, equestrian business upgrades
For single, double, or gooseneck models, enjoy a simple application and fast turnaround for all horse float and horse trailer finance needs.
Business & Commercial Equipment
The right tools and finance to run, grow and future-proof your business
Business Equipment Finance
Office equipment, commercial machinery, vehicles, technology, business tools, start-up or expansion needs
Whatever your business needs, we’ll tailor a hassle-free equipment finance solution that fits your budget, cash flow and business goals.
Commercial Loans
Property investment, business expansion, commercial vehicles, equipment purchases,
tax-efficient financing
Grow and manage your business portfolio with the right commercial finance. We’ll connect you with the best lenders for your needs.
Heavy Machinery Finance
Construction equipment, agricultural machinery, industrial plant, cranes, bulldozers, excavators,
new or used assets
Looking for excavators, bulldozers, cranes and more competitive heavy machinery? We can finance so your business can grow without a hefty upfront cost.
Industrial Shed Loan
Small sheds, large warehouses, manufacturing spaces, storage facilities, new builds, business expansions
Storage, manufacturing or distribution, finance your industrial shed or commercial structure with a loan tailored to your business.
Gym Equipment Financing
Treadmills, ellipticals, weight machines, functional training gear, free weights, full gym setups
Full commercial fit-outs, cardio equipment, free weights and more. We’ll find the right finance to get your gym up and running fast.
Solar and Battery Finance
Solar panel systems, battery storage, inverters, commercial solar arrays, energy management systems
Reduce energy costs and improve efficiency. We provide tailored solar finance solutions to help your business save from day one.
Farm Equipment Financing
Tractors, harvesters, irrigation systems, ploughs, sprayers, full farm machinery setups
Tractors, harvesters, irrigation and more — flexible, low-rate farm equipment finance to keep
your operation running smoothly all year.
Personal & Lifestyle Finance
Life’s big moments and everyday goals, financed without the stress
Personal Loans
Debt consolidation, home renovations, weddings, holidays, study, medical expenses, first-time
borrowers
Whether it’s holidays, home upgrades, big purchases, or unexpected costs, a flexible personal loan puts you in control of what matters most to you.
Home Renovation Loan
Kitchen remodels, bathroom upgrades, home additions, landscaping, energy-efficient upgrades, roofing, fencing
From kitchens and bathrooms to extensions or landscaping, finance your renovation and add real value to your home without draining your savings.
Wedding Finance
Covering venues, catering, attire, photography, planners, honeymoon, and personalised touches
Cover every detail of your big day including the venue, catering, photography, and flowers with a personal loan and flexible repayments that suit your budget.
Education Loans
Tuition fees, course materials, living expenses, overseas study, career upgrades, short courses,
professional development
Invest in your future with an education loan covering tuition, courses, or professional development with repayments designed around you.
Start Up Business Loan
Business setup, equipment purchase, technology investment, marketing, commercial premises
Starting a new business is exciting, but it often comes with financial challenges. Let us help you secure the right funding for your venture.
Health & Wellbeing Finance
Your health and happiness matter, access the care you deserve
Cosmetic Surgery Financing
Breast augmentation, rhinoplasty, liposuction, non-surgical enhancements
If you have been considering aesthetic enhancements, you may have been looking at cosmetic surgery financing options. We can help you navigate your journey.
IVF Loans
IVF treatment, egg freezing, fertility medications, full IVF cycles
Are you considering IVF treatment but concerned about the cost? An IVF loan can be a helpful solution to finance your journey to parenthood.
Dental Finance
Braces, cosmetic dentistry, major dental work, orthodontics
Have you been given a pricey dental treatment plan? Getting a loan for major dental work or orthodontics does not have to be overwhelming.
Weight Loss Surgery Finance
Gastric sleeve, lap band surgery, bariatric procedures, gastric bypass, non-surgical weight loss
procedures
Take the next step in your health journey with confidence. We offer supportive, flexible finance
options tailored to your needs.
Hearing Aid Finance
Hearing aids, cochlear implants, hearing devices, assistive listening equipment, hearing aid
accessories
Don’t delay the support you need. We make hearing aid finance fast, simple, and affordable with
flexible repayment options.
Eye Surgery Finance
LASIK, PRK, cataract surgery, lens replacement, corrective eye surgery, laser eye treatment
See clearly without the financial pressure. We provide fast, flexible finance options for a wide
range of eye procedures.
NDIS & Disability Equipment Finance
Wheelchairs, mobility scooters, home modifications, assistive technology, communication
devices, vehicle modifications
We help NDIS participants and carers finance the equipment and modifications that make daily life easier with lenders who understand disability funding arrangements.
Medical Equipment Finance
Diagnostic equipment, dental chairs, physiotherapy equipment, ultrasound machines, surgical
tools, practice fit-outs
Looking to invest in new medical equipment? We provide tailored finance solutions with minimal
impact on your cash flow
Asset & Insurance Protection
Protecting what you’ve financed is just as important as the finance itself
Asset & Insurance Protection
GAP insurance, Tyre & Rim, Comprehensive, Extended Warranty
We protect you from the unexpected by providing wholesale discounts on insurance premiums and warranties.
Don't See What You're Looking For?
Get in touch with our friendly team today. If it has value, there’s a very good chance we can help you finance it.
FAQs
Our Frequently Asked Questions. If you have any further questions, please contact us.
A lot more than most people realise! FLOW Financial services can help with car loans, motorcycle and truck finance, caravans, boats, jet skis, horse floats, business equipment, heavy machinery, gym equipment, farm machinery, industrial sheds, home renovations, weddings, education, cosmetic surgery, dental treatment, IVF loans, and more. If you’re unsure, just ask!
We look at many different factors that impact the amount you can borrow, regardless of what you’re financing:
- Your monthly income — the higher your income, the more you may be able to borrow
- Your credit score — your credit history and previous financial behaviour all play a role
- The type and value of the asset or goal you’re financing — higher purchase prices generally mean a higher loan limit
- Your existing debts and financial commitments
- The loan term and repayment structure you choose
The best way to find out exactly what you can borrow is to get in touch with our team, we’ll assess your situation and give you a clear picture.
A secured loan is backed by the asset you’re purchasing such as a car, boat, or equipment which typically means lower interest rates. An unsecured personal loan isn’t tied to an asset, so rates are generally higher. Our team will help you work out which option is right for you.
In most cases, no deposit is required to get approved. Having savings can strengthen your application and may help you access better rates, but it’s not always necessary. Requirements vary depending on the loan type and your situation, our brokers will walk you through exactly what’s needed.
Your repayments are calculated based on the loan amount, the interest rate, and the loan term. Repayments can be structured to suit your cash flow and can be made:
- Weekly
- Fortnightly
- Monthly
We also offer flexible options such as balloon payments, which can reduce your regular repayments and give you more breathing room throughout the loan. Our team will work with you to find a repayment structure that suits your budget.
Fees vary depending on the lender and loan type and can include establishment fees, monthly account fees, and early repayment fees. Once we understand your situation, we’ll help minimise costs and be completely transparent about what’s involved.
The majority of our approvals are completed on the same day. Our streamlined process and easy online portal make uploading and signing documents simple so things move fast. More complex loans like commercial or heavy machinery finance may take a little longer but we’ll keep you updated throughout.
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For Life’s Important Moments
When you're applying for finance for your life’s special moments, we can help you save time and money while securing the best rates. Chat to our team of dedicated finance specialists.