Client Story: Unlocking Equity to Fund Growth

When opportunity knocks, having access to the right finance can make all the difference, especially for growing businesses. That’s exactly what happened for one of our recent clients, a self-employed tradie who needed new equipment to take on larger projects and had his eye on upgrading his personal car at the same time.

The challenge? He wanted to fund both purchases without putting pressure on his cash flow or jumping through endless paperwork hoops.

The Situation

Our client had an unencumbered ute, fully paid off, in great condition, and still holding solid value. While most people see a vehicle as a depreciating asset, we saw untapped potential.

He also had upcoming work lined up that required some additional gear, including a new trailer and specialised tools. On top of that, he was keen to replace his personal vehicle with something newer and more comfortable for everyday use.

Rather than taking out two separate loans or dipping into savings, we explored a smarter, more strategic option.

✅ The Strategy

We worked with one of our lender partners who recognises asset equity as a powerful security tool. Here’s how we approached it:

• Used the unencumbered ute as security to help fund the purchase of the new trailer and tools
• Structured the equipment loan to avoid impacting day-to-day cash flow
• Because the borrower now had a secured lending profile and a strong repayment history, we helped him secure a sharper interest rate on the new car loan, saving him thousands over the life of the loan

This allowed the client to:

• Keep his working capital intact
• Invest in business growth
• Lock in a better rate on the car loan
• Avoid overcomplicating his finance structure

📈 The Result

Thanks to this strategy, the client was able to hit the ground running with his new equipment, and enjoy his upgraded vehicle at a rate that beat what he’d previously been offered. He also appreciated that we handled everything end-to-end, including paperwork and lender negotiations, so he could focus on running his business.

💡 The Takeaway

If you own an asset that’s fully paid off, it could be the key to unlocking better finance terms, whether you’re upgrading, expanding, or simply trying to make smarter use of your money.

At Motorlend, we don’t just look at your borrowing needs in isolation. We take a big-picture view of your financial position and goals, then match you with lending solutions that work harder for you.

Let’s Talk About What’s Possible

Got a fully paid vehicle, piece of equipment, or asset you’re not using as leverage? You could be missing out on cheaper rates, faster approvals, or a better way to fund your next move.

Reach out to see how we can put your equity to work.

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