Resimac: asset finance and secured business loans through brokers

Say Resimac and most Australians think of home loans. The business side is smaller and quieter, and it is worth understanding for one reason in particular: the lender itself told investors in August 2026 that it is being selective about how much asset finance it writes. That changes how you should approach it.

This profile sticks to what Resimac publishes and what its latest results say, as at October 2026. Its public business pages are brief, so where there is no published criterion we don’t invent one.

What does Resimac Asset Finance offer?

Resimac’s website lists two business products. Asset Finance is described as there “to keep your business moving”, and Secured Business Loans as flexible short-term lending. Its about page adds that it offers commercial asset finance and secured business loans through accredited brokers, with competitive terms and turnaround times.

Product	What the site says
Asset finance	Funding for vehicles, equipment and similar assets, via brokers
Secured business loans	Flexible, short-term lending, secured

The site doesn’t publish amounts, minimum trading time or turnover thresholds, so any figure you read elsewhere should be confirmed. For background on how these structures work, see our guides to asset finance, equipment finance and secured business loans.

What do Resimac’s FY26 results tell a borrower?

Three checkable points from the group’s results for the year to 30 June 2026, released on 26 August 2026 and reported by BrokerDaily:

• Mix: secured business loans were 37% of asset finance settlements, auto finance 46% and equipment finance 17%.
• Direction: Resimac said it had deliberately moderated asset finance volumes in favour of higher risk-adjusted returns, and settlements and applications both fell on the year.
• Overall health: the group reported higher profit, helped by stronger asset finance margins.

For you, that means a lender that is choosy rather than struggling. It still writes secured business loans, but it is more likely to pass on deals that don’t fit tightly. A decline here says little about your business.

Who might Resimac suit?

• Owners whose broker already uses it. Because the channel is broker-only for asset finance, your access depends on your broker’s panel.
• Businesses with a clear asset to secure against, whether a vehicle, machine or other tangible item.
• Owners who want short-term secured funding rather than a long property-backed loan.

It suits less well if you want to deal direct, need unsecured funding, or are starting out with little trading history. If your bank offers equipment finance at a competitive cost, take it seriously: banks are often the best-priced option when you fit.

Comparing a few asset finance routes? Describe the purchase you have in mind and we’ll point you to sensible places to start.

Questions to ask your broker about a Resimac deal

1. What assets and age limits does it accept for this purchase?
2. Is there a balloon or residual, and what does it cost in total dollars? See balloon payment.
3. What security is taken, and is it recorded on the PPSR?
4. What are the fees for early payout?
5. Does it need a director guarantee?

Use our equipment finance calculator to check the repayment sits comfortably with your cash flow before you commit.

What might a Resimac-style deal look like?

An illustration only, not a quote. A landscaping business with two years of trading wants a $90k truck and trailer. Its broker places the deal with an asset finance lender, and the lender takes the vehicles as security. The owner finances the whole price over five years, keeps a modest balloon so repayments sit comfortably under what the business clears each month, and signs a director guarantee.

If that lender passes because it is limiting asset finance volume, the same deal can often be placed with another funder on near-identical terms. The lesson from Resimac’s results is practical: ask your broker to line up a second lender early, so a selective appetite never leaves you waiting on a single answer. Our guide to commercial vehicle finance covers what lenders check on trucks and vans.

Where else can you look?

Other lenders with a pages here include Grow Finance, which also works through brokers, and Metro Finance. If you are unsure whether to use a broker at all, our broker vs direct lender page is a good place to start.

Let’s find the lender that fits the asset

A lender that is picking its deals carefully makes it more important to put the right deal in front of the right lender first time. That is the part we can help with.

Sending us the outline is a sixty-second job, and your credit file stays untouched while you do it. One team holds your information, nobody emails it round the market, and a specialist reads it personally before phoning. Put the true asset price, age and trading history in the boxes and the lender we point you towards is far more likely to say yes.

Match the asset to a lender →