Liberty Asset Finance: Broker Guide

For Liberty asset finance, the current Australian routes as at 3 October 2026 are business vehicle finance and business loans that fund equipment purchases. Liberty’s Australian website presents these under business car loans and business loans, with different security and assessment rules. Use the named product when discussing a client’s purchase, because “asset finance” alone does not identify the loan structure.

Current Liberty Product Status

As at 3 October 2026, Liberty’s business car loan page describes commercial vehicle finance for new or used vehicles. It names sole traders, contractors and small business owners as potential borrowers. The loan can be in an individual’s or business’s name.

Liberty’s flexible business loan page includes equipment purchases among its funding purposes. Its secured business loan page also lists equipment purchase. A loan used to buy equipment can have a different security arrangement from a loan secured specifically over that equipment.

The current business, commercial property and car categories identify these routes. They do not establish a separate, general equipment-leasing product called “Liberty Asset Finance”. An unavailable product page does not establish withdrawal, and a business loan’s equipment purpose does not establish a lease or hire-purchase facility.

For brokers, Liberty’s public site links “Business partners login” to Liberty IQ. This identifies an official partner destination. It does not establish that every accredited broker can lodge every commercial product through that destination.

Use the asset finance guide to distinguish ownership and security under the different finance structures. The asset finance policy guides cover lender-specific assessment. Keep Liberty’s residential rules in the Liberty home loan policy guide.

Former Names, Entities and Routes

Liberty’s official records, checked on 3 October 2026, use several descriptions that must stay tied to their dates and product scope. The 2021 annual report describes motor lending alongside secured and unsecured lending to small and medium businesses. That historical description supports a motor and business lending trail, without naming a universal equipment-finance product.

The 2025 annual report, for the year ended 30 June 2025, includes equipment finance and hire-purchase contracts in its financial-asset accounting policy. The policy covers the group’s Australian and New Zealand facilities. An accounting category does not establish a current Australian product name, new-business availability or broker accreditation rules.

A more specific name appears in Liberty’s target market determinations: “Liberty Asset Loan (Motor and Caravan)”. The linked determination starts on 5 October 2025 and names Secure Funding Pty Ltd, trading as Liberty Financial, as issuer. It lists flexible car loans, fresh start car loans, caravan loans and motorbike loans as website descriptions of that product.

That determination describes individual customers buying vehicles. Its accredited-broker distribution conditions apply to the product it names. They do not establish distribution conditions for a company buying machinery or a commercial equipment lease.

These records establish product descriptions and an issuer. They do not announce a transfer, closure or rename of a standalone Australian commercial equipment product. Keep any older brochure tied to its named issuer and product, and distinguish Australian Liberty Financial from similarly named overseas finance businesses or insurance services.

Current Enquiry and Scenario Facts

Liberty’s official contact page, checked on 3 October 2026, provides 13 11 33, a callback form and an adviser directory. Use this route to reach Liberty about its business lending options. For an existing partner relationship, identify yourself as a broker and request the team responsible for the intended business or motor product.

The general contact route can direct an enquiry to Liberty’s lending team. A callback or adviser referral does not itself approve the transaction or establish your broker’s lodgement permissions. Obtain the named product and broker submission route in the response before presenting a finance proposal.

Give Liberty enough detail to distinguish a business vehicle loan from an equipment purchase funded through a business loan.

Scenario fact	What to provide
Borrower	Legal entity name, entity type, Australian Business Number and trading history
Business purpose	What the asset does, who uses it and its expected business and personal use
Asset	Description, make, model, age, condition and location
Supplier	Dealer or private seller, supplier details and whether the asset is imported
Purchase and funding	Quoted price, deposit, requested loan amount and any existing finance to repay
Structure	Requested term, balloon if needed, intended ownership and available security
Financial position	Available business financials, current debts and the source of repayments

In a hypothetical enquiry, a company wants a used machine costing $90,000, with a $10,000 deposit and $80,000 in funding. Name the machine and supplier, then state whether the company can provide property security or wants funding without mortgage security. This gives Liberty a specific equipment-purchase enquiry without assuming the machine fits its business car product.

For personal-use vehicle purchases, use the Liberty car loans guide. For machinery, the equipment finance guide explains the purchase and useful-life questions to prepare before choosing a structure.

Criteria and Evidence After Confirmation

Apply Liberty’s criteria to the named product, because business vehicle and business loan terms are different. The following public terms are current as at 3 October 2026.

For business car loans, Liberty publishes amounts from $5,000 to $100,000 and terms from two to seven years. The maximum falls to $35,000 for borrowers not registered for goods and services tax (GST). Start-up businesses have a $50,000 maximum.

Liberty lists balloon payments, with a maximum vehicle age of eight years at the end of a loan containing a balloon. That restriction makes the vehicle’s age and proposed term relevant before you discuss a balloon. It is a vehicle-product rule, not an equipment useful-life rule.

The flexible business loan page lists at least two years in business and a maximum term of five years. It requires no mortgage security, but its footnote says other forms of security apply. The page asks for current business details and the intended use of funds, with extra financial information, including financial statements, where needed.

The secured business loan page says security is determined on application assessment. Its general discussion of equipment and other possible collateral does not promise that Liberty will accept the client’s particular machine as sole security.

After Liberty identifies the product for your scenario, request its document requirements and match each requirement to the proposed transaction. Use the supplier quote or invoice to establish the asset and purchase amount. Obtain the lender’s instructions for financial evidence, security documents and any existing finance payout before assembling the submission.

Record a written scenario response with its date, named product, borrower, asset and conditions. Apply that response only to the facts it covers. If the supplier, asset, loan amount or security changes, get the revised position before the client commits to the purchase.