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Get the funds you need fast

We take care of the search, assessment & approval so all you need to do is sit back and relax

Our team are focused on providing fast, effective solutions for Asset Finance & Commercial Property purchases. Funds secured within 24 to 48 hours* Get a free quote

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One stop shop

Our team is specialized in all forms Of commercial lending from cars & Trucks to farms and factories. We Can finance any commercial Asset or Property in Australia.

Bank & Non-Bank Lenders

We analyze over 70+ lenders Covering prime, sub-prime & private Equity lenders to find the best Package available

Industry Experts

Our expertise is fast Finance, we Focus on what we know best. This Allows us to secure funds fast within 24 to 48 hours*

More Lenders equals more savings

The greater the opportunity the Greater the saving, our diverse panel Of lenders allows us to secure the Best package available, matched to Your loan purpose & criteria.

compare multiple lenders and save on your finance with Pure Capital

Compare lenders can help you to get great rate and save thousands ! compare Australia top lenders and save today !

We create bespoke finance solutions

Our industry expertise mean that we know
exactly how to get your next asset, venture
or expansion funded. Collectively we have
experience and a wealth of knowledge
covering business, accounting, corporate
Collectively we have over 30 years of
experience. We know what it will take to get
you the funding required and will manage
your resources today and into the future
with our complimentary financial planning
and business strategy services.
We know that it is essential to have all the
facts, that’s why we manage our own research
teams to ensure all compliance, research and
case development is handled by our detail
focused team.
Pure Capital is committed to helping meet your
asset finance needs. We want to be your
trusted business advisor and hope to build a
partnership for life. We work hard to ensure
that you receive great service and a bespoke
package to suit your unique needs and financial

Deep Industry Knowledge

Broad commercial knowledge across multiple sectors

Inhouse research team

Ensure compliance & case development is quick & efficient

Years of experience

Wealth of knowledge
covering business,
accounting &
corporate finance

Private Broker

Every suit needs a
tailor so every client
needs a broker.

Fast Approval

Approvals achieved
in 24 to 48 hours*

Huge Savings

We source the best deal based on your loan
purpose & criteria. This can save you thousands.


Based on 2,744 reviewes

It's a simple process


Free Consultation


We arrange a time to discuss your funding needs and outline the process


Quote & Apply


Once you are happy with the lender and repayment we get the application arranged


Approve & Source


Once submitted we’ll have you approval within 24 to 48 hours*. Meanwhile we’ll help you to source the asset or property if you haven’t already done so


Insure & Settle


Once sourced we’ll help arrange any insurance you need and get settlement finalised within 72 hours* of lodgement.

What makes us stand out from the crowd?

No assets? No worries.

There is no security
required to access
up to $250,000.


Borrow between $5,000
and $1mil for Asset
purchases & business
loans with terms from 3
months to 60 months or
create cash flow friendly
repayments and structure
your property & assets
combined up to $10 mil..


Apply online in 10
minutes and you can
receive funds in 24 hours to 48 hours


Deal with a dedicated
Pure Capital loan specialist
throughout your
loan journey

Simple loan, single vision, solid results

How does  it all work?

We review your situation, identify the best products and get an approval in 24 to 48 hours*

Finding the right product to meet your
need is essential to ensure 100% approval
and make sure you are heading in the right
direction with minimal delays or issues
along the way. Our experienced team of
brokers are here to assist you throughout
the process starting from an initial free
consultation to determine the best finance
& insurance products to meet your needs.
Once complete we’ll negotiate the terms
and agreements with our panel of over
70+ lenders and help you to source your
next asset or property purchase if you
haven’t already sourced what you want.

Once this is done, we finalise the
documents get them over to you and
arrange settlement within 72 hours*.
Our motto at Pure Capital is that “Simple
Loans combined with a single vision will
create solid results”. Our team are able to
create these results time and time again
through advanced technology platforms,
enhancing their ability to process
applications and negotiate with lenders, a
passion for business development and
finance industry experience that allows
them to support the best decision
available to meet your needs.

This is what happens?

  • 1

    We asses your situation

  • 2

    We source the best loan for you

  • 3

    We gather all the information and build a case to get approved

  • 4

    negotiate the terms

  • 5

    We finalise the purchase and arrange settlement

What loans can you do?

Calculate your Repayment

Comparison Rate: [5.8% p.a.]#
This calculator is powered by Pure Capital Finance, credit representative number 512764
What you need to know about this estimate – *Fees and charges are payable.
#Comparison rates are calculated on a secured loan of $50,000 over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts
might result in a different comparison rate.
This calculator is powered by Pure Capital
Finance, credit representative number 512764

This calculator is powered by Pure Capital
Finance, credit representative number 512764

Client reviews

We are very proud of the service we provide and stand by every loan we issue. Read our testimonials from our happy customers.
Tom Davis

San Francisco, California

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Claire Silva

Kansas City, Missouri

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Frequently asked questions

Find quick answers to common questions using our helpful FAQs.

What is a Chattel Mortgage?

Simply put it is a mortgage on a movable item such as a commercial vehicles and machinery.
A chattel mortgage is where you take legal ownership of the chattel (movable item) and the lender secures the loan by putting a mortgage on the chattel.
The main benefit of having a chattel mortgage is as you will own the chattel you can claim depreciation and other benefits reserved only for businesses. Once the chattel mortgage is paid out in full the lender removes the mortgage.
This differs from a consumer loan where the lender owns the chattel until the loan is paid out.


Other benefits to taking out a chattel mortgage is lower interest rates, flexible loan terms, adding insurance and opting in for a residual value or balloon payment.

What is an operating lease?

An operating lease quite often is utilised when needing to obtain an asset on a short term basis. Term is considered short compared to the useful life of the asset. With the technology world changing rapidly often equipment can be considered obsolete before the end of it’s workable life.


It is considered a rental expense and is not capitalized. The lessor accounts the equipment as their asset and therefore claims the depreciation. The lessee accounts the rental expense in their off balance sheet financing. Benefit of this for the lessee is the asset is not recorded on the lessee’s balance sheet as a liability and that can improve their financial ratios.


At the end of the operating lease the title to the asset does not pass to the lessee, but remains with the lessor.
Accordingly, at the end of an operating lease, the lessee has several possibilities:


What happens at the end of an operating lease? The asset is kept with the lessor not with the lessee. Lessee’s have the following possibilities to explore at the end of the operating lease:
● Pursuit of the lease
● Return of the equipment
● Renewal of equipment
● Restoration of equipment
● Purchase of equipment at their market value
To recap on the main benefits of an operating lease:
● As they are off balance sheet so are an operating expense deductible from profits
● Improvement of cash-flow
● Economy of corporate taxes

What is a residual or balloon?

The residual value/ balloon payment can be part of a loan contract. Having a residual value or balloon payment allows you to have reduced payments throughout the loan term in exchange for a lump sum due at the end of the loan contract.


There are some great benefits to having a residual/balloon payment including that it can increase the afford ability of the loan, it can assist with cash flow management which is very useful for seasonal businesses and you can also match the loan balance to the assets value over the life of the loan.

What is interest rates and how are they determined and influenced?

An interest rate from the borrowers point of view is the cost of borrowing the money and from the lenders point of view it is the compensation for the lending risk and the service provided. There are many different types of loans and the interest rates can vary depending on different factors. Both internal and external factors can determine the interest rate offered to you.


Risk of default and inflation are determining factors in regards to interest rates offered by lenders. As a lender they may lend money today, assuming all payments are made over the loan term, by the time it is paid back the goods and services cost may have gone up, therefore your money’s original purchasing power has declined. The interest paid is to protect them against this inflation and to provide compensation for their services.


Inflation is another contributing factor to interest rates. Higher interest rates occur due to the lenders demand for compensation as the future payback will have a decreased the purchasing power of the funds. Simple example to explain inflation is:
Today a litre of milk is $2 but in 5 or 10 years time it may be $5. Another important factor in the determination of interest rates is the supply and demand of credit. Usually an increase in demand yields an increase in interest rates and a decrease in demand yields a decrease in interest rates. In regards to supply of credit, where supply increases it usually decreases the interest rates and decreased supply resulting in increased interest rates.

What are some of the factors that influence the rates given on asset purchases?

If you are assessed as a low risk borrower you will likely be charged a low interest rate and if you are assessed as a high risk borrower, the interest rate offered will be higher. Your risk profile is made up through many factors like but not limited to risk profile of asset, credit rating and collateral.


Other factors are also a big part of the rates offered. Such as supply & demand of credit for domestic & international market, Government Monetary Policy and inflation.

My residual value/ balloon payment is due. What are my options?

So, you have reached the end of your loan term and your residual value/ balloon payment is due. There are three options for you to consider:


1. If you have enough cash reserves to pay it out in full without emptying the bank, then this is a good option to consider.
2. You can sell the asset and “start again”.
3. Call Pure Capital Finance to discuss your refinancing options. As finance brokers we are experienced in sourcing the best asset finance for your business.
If you are in the position to consider all three options we urge that you do and may be worth getting advice from your accountant as well.

When is a deposit required for commercial asset finance?

A deposit is required should you have a high risk profile and will need to mitigate the risk with the lender. We have a broad pannel of lenders to ensure we’ll match your profile with the best package available for your situation.
Talk to us to find out more.

What's the most tax effective asset funding solution for me?

Great question and a common one. The answer isn’t a one size fits all box unfortunately. Things such as your business structure and set up can influence what would be more tax effective.


Best to discuss your individual situation via a professional consultation with your accountant.
Getting started

Our process is quick and simple. Glick Get Started and we’ll take you to the application. Once we get the basic information for your loan we’ll give you a call within 24 hours to discuss your options.

Get Started

Ask an expert

Do you have any questions not outlined here? Give us a call anytime to discuss or simply send us an email with your question. We’ll aim to get back to all enquiries within 24 hours*

Contact Us

Meet the team

Get to know the people behind Pure Capital. Our Finance & Administrative team



We are connected member of finance Brokers Association of Australia (FBAA)


We use bank-level 256-bit encryption to make sure any information you share with us stays safe


our extensive security include traffic encryption, auditing, backups and encrypted signin information

Want to work together?

Get answers and advice from people you want it from. Pure Capital’s team of specialists will help you to design and create awesome finance packages for your business.

Let's get in touch

If you are interested to find out more information, please contact us below:

Pure Capital is here to make a difference, we support and develop Australian communities based on the choices you make, each loan goes a little further to reach our goals. Our team are passionate about developing a better environment for our future and growing our community together.

 Simple Loans, single vision, solid results