Asset-backed finance for vehicles, equipment, machinery and commercial assets that help borrowers earn, operate and grow. Up to 80% financing on qualifying assets, with the asset itself as primary security — opening credit to borrowers who don’t have spare collateral lying around.
The single best feature of asset finance is also the simplest: the asset is the security. You don’t need to put up a separate property charge or find a guarantor with a payslip — the vehicle, machine or equipment you’re financing carries its own value, and that value secures the loan. That structure unlocks credit for thousands of borrowers who have a clear earning use for an asset but don’t have unrelated collateral.
STEMTIDE Asset Finance covers five common categories: Vehicle Finance for new or pre-owned vehicles, Logbook Loans against vehicles you already own, Equipment Finance for office and service kit, Machinery Finance for production and heavy equipment, and Commercial Asset Finance for trucks, trailers and fleet. Deposit ranges, tenors and pricing differ by category — and by asset age, condition and resale market — so each application gets a costing built around the specific asset.
We work with a pre-vetted vendor and dealer network that speeds valuation, joint logbook registration and disbursement directly to the seller. Comprehensive insurance is bundled into the structure with STEMTIDE noted as financier on the policy. The logbook is jointly registered until full repayment, then released within 14 working days of final settlement.
Asset-backed finance for vehicles, equipment, machinery and commercial assets that help borrowers earn, operate and grow. Up to 80% financing on qualifying assets, with the asset itself as primary security — opening credit to borrowers who don’t have spare collateral lying around.
The strength of this loan family is structure: documented income, clear use of funds, and a repayment schedule sized to actual cash flow — never a hopeful number.
Six things borrowers most often tell us made the difference between a loan that helped and a loan that became a problem.
If your situation looks like one of these, asset finance are likely the right fit. If it doesn’t, talk to us anyway — we may have a better-suited product or structure.
Each entry below is a focused product within this loan family. Specific structures, deposit ranges and repayment frequencies are noted on each — final terms depend on full assessment.
Finance new or pre-owned vehicles for personal or business use, with the logbook jointly registered as security and comprehensive insurance bundled.
Borrow against a vehicle you already own — logbook charged for the loan period and released within 14 days of full repayment.
Office, retail, salon, restaurant, medical and service equipment financed against pro-forma invoice from approved vendors.
Production machinery, generators, agricultural equipment and heavy equipment with tenor matched to useful life and revenue generation.
Trucks, trailers, prime movers and commercial fleet assets for transport, logistics and distribution businesses — sized to route earnings.
Asset finance pricing depends on asset category (vehicles vs machinery vs equipment), age and resale strength, deposit percentage, and tenor. Newer assets with strong resale markets carry sharper rates; older or specialised assets with thin resale markets carry higher rates and tighter loan-to-value caps. Comprehensive insurance, valuation and joint registration costs are built into the upfront structure rather than added as surprises.
The full cost of credit — interest, fees, taxes and any insurance premium — is disclosed in writing before you accept any offer. There are no upfront fees to release a loan.
Open CalculatorDocuments complete on Monday usually mean a written decision back to you by mid-week. Documents drip-fed across days mean the file restarts each time, so the team strongly encourages submitting everything at once.
Final requirements depend on borrower profile, requested amount and product structure. The credit team will confirm any additional documents during initial review.
View Full RequirementsShort answers for the most common borrower questions. For anything else, request a callback or message us on WhatsApp.
Browse all FAQsTypically 20-30% on vehicles and 25-40% on equipment, depending on age and resale value.
Yes — including direct import. We accept import duty receipts as part of the costing.
You arrange comprehensive insurance, with STEMTIDE noted as financier on the policy.
The logbook is jointly registered (financier + borrower) until the loan is fully repaid.
Yes — early settlement is allowed, with logbook released within 14 days of full repayment.
Start your application or speak to a loan officer for guidance before submitting documents.
