Geared Asset Finance
- Company typePrivate
- Founded2005
- HeadquartersMelbourne, Australia
- Headcount11–50
- GTM typeB2B
- OfferingServices
Geared Asset Finance firmographics
Firmographics- Name
- Geared Asset Finance
- Legal name
- Geared Asset Finance Pty Ltd
- Website
- https://gearedfinance.com.au
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Geared Asset Finance industry classification
Industry- Product category
- Commercial Equipment Finance
- NAICS
- Sales Financing (52222)
- SIC
- Finance Lessors (6172), Loan Brokers (6163)
- akta.pro primary industry
- Equipment & Asset Finance (SME) (FSAKAGAF)
- akta.pro secondary industry
- Equipment & Asset Finance Brokerage (FSAEAEAJ)
Keywords
Where Geared Asset Finance is headquartered
LocationHeadquarters
- HQ city
- Melbourne
- HQ country
- Australia
- HQ region
- Oceania
Offices2 records
Markets served
Geared Asset Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Asset Finance: Provides financing for equipment purchases including plant & machinery, technology, vehicles, and commercial assets. Revenue generated from interest and fees on financed assets.
- Business Loans: Working capital and business growth loans for Australian businesses
- Equipment Marketplace: Equipment marketplace (shop.gearedfinance.com.au) connecting buyers with equipment suppliers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Low-doc assessment (up to $250K) |
| Subscription | Monthly | Full documentation assessment (no upper limit) |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Geared Asset Finance product offering
Product offeringCore offering
Geared Asset Finance provides commercial equipment finance, business loans, and personal loans to Australian businesses and individuals, enabling them to acquire equipment and assets without upfront costs. Core offerings span Asset Finance (hospitality, IT, manufacturing, medical, construction, vehicles), Business Loans, Personal Loans, and a Vendor Finance Solutions program for equipment suppliers. The company acts as a broker with access to 30+ lenders and approves most applications within 24 hours.
Product overview
Geared Asset Finance is a commercial equipment finance and business lending company operating since 2005. The core offering consists of Asset Finance (enabling businesses to acquire equipment across hospitality, technology, manufacturing, medical, construction, and vehicle sectors without upfront costs), Business Loans, and Personal Loans. The company also offers a Vendor Finance Solutions program for equipment suppliers to embed financing into their sales process, supported by website integration tools and in-store quoting tools. An Equipment Marketplace provides an additional channel for equipment purchases. The product portfolio is delivered through an online application process with 24-hour approval and a partner support portal.
Differentiator
Problem solved
Functional benefit
Products and services
- Asset Finance Core financing product enabling Australian businesses to acquire equipment and assets without upfront costs. Covers hospitality (POS systems, kitchen, refrigeration, coffee machines), IT (computers, software, telephone, laser systems), manufacturing (plant, machinery, engineering, high pressure washers), medical equipment, construction (earth moving machinery), and vehicles (trucks, cars). Delivered via 24-hour online application with no deposit, no balloon payments, and no early-payout penalties.
- Business Loans Commercial lending facilities providing working capital and growth funding for Australian businesses. Supports operational funding, cash flow management, and business expansion. Full-doc assessment pathway with no upper limit; low-doc assessment available up to $250K without financials.
- Personal Loans Personal financing solutions for individuals, including vehicle and consumer asset purchases, offered alongside the core business finance product suite.
- Vendor Finance Solutions Partner program enabling Australian equipment suppliers and dealers to offer flexible finance options to their business customers, with fast approvals, full upfront invoice payment, embedded quote tools, and a dedicated partner portal for application management.
- Equipment Marketplace Online equipment marketplace (shop.gearedfinance.com.au) operated by Geared Finance that connects buyers with equipment suppliers and lets buyers apply for Geared Finance payment options at the point of sale.
Quantifiable outcome
- Most applications reviewed and approved within 24 hours
- +2 more outcomes
Companies that use Geared Asset Finance
Customer profileNamed customers6 records
Segments9 records
Ideal customer profiles3 records
Geared Asset Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Geared Asset Finance partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Geared Asset Finance competitors and assessment
Company assessmentBroad incumbents
- Prospa: Prospa is Australia's leading online small business lender offering working capital and business loans. Comparable in SME target market and product overlap (business loans), but operates a balance-sheet lending model and broader product portfolio than Geared's broker approach.
- Pepper Money: Pepper Money is a significant Australian non-bank lender providing equipment finance, commercial lending, and personal loans. Geared sources funding from Pepper; comparable in product categories and target customers, with Pepper operating as a direct funder at much greater scale.
- Scottish Pacific Business Finance: Scottish Pacific is a major Australian specialist in debtor finance, asset finance, and business lending. Geared has Scottish Pacific as a funding partner; comparable in product categories and SME focus, though Scottish Pacific is a larger, established funder rather than a broker.
Emerging players
- Lumi: Lumi is an Australian fintech offering fast, online business loans and asset finance to SMEs with a digital-first application experience. Comparable in target market and speed-of-execution value proposition, but competes via direct balance-sheet lending rather than multi-funder broking.
Others
- Silver Chef: Silver Chef is an Australian hospitality equipment rental and finance specialist. Geared has Silver Chef as a funding partner and shares deep exposure to the hospitality vertical. Comparable in end-customers and asset categories, but operates an equipment-rental business model versus Geared's pure finance-broker model.
Direct peers
- Cobalt Equipment Finance: Cobalt Equipment Finance is a specialist Australian equipment finance broker focused on SME business equipment, vehicles, and plant. Directly comparable in customer profile, broker business model, and equipment-finance-first product mix.
- Jade Finance: Jade Finance is an Australian commercial equipment and vehicle finance broker serving SMEs via a multi-lender panel. Closely comparable in product set (asset finance, vehicle finance, business loans), target market (Australian SMEs), and broker-to-funder distribution model.
- Liberty Finance: Liberty Finance is one of Australia's largest independent asset finance brokers, providing equipment, vehicle, and personal finance across consumer and SME segments. Highly comparable in business model, distribution (vendor channel + direct), and target verticals to Geared.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Geared Asset Finance social profiles
Digital presenceGeared Asset Finance compliance and trust
Trust signalCompliance1 record
Geared Asset Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Geared Asset Finance leadership team
Management profileNumber of profiles
Profiles11 records
Geared Asset Finance subsidiaries and ownership
Company hierarchySubsidiaries1 record
Geared Asset Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Geared Asset Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Geared Asset Finance
What does Geared Asset Finance do?
Geared Asset Finance provides commercial equipment finance, business loans, and personal loans to Australian businesses and individuals, enabling them to acquire equipment and assets without upfront costs. Core offerings span Asset Finance (hospitality, IT, manufacturing, medical, construction, vehicles), Business Loans, Personal Loans, and a Vendor Finance Solutions program for equipment suppliers. The company acts as a broker with access to 30+ lenders and approves most applications within 24 hours.
Is Geared Asset Finance a public or private company?
Geared Asset Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Geared Asset Finance founded?
Geared Asset Finance was founded in 2005. It employs 11 to 50 people.
Where is Geared Asset Finance based?
Geared Asset Finance is headquartered in Melbourne, Australia, in the Oceania region.
How does Geared Asset Finance make money?
Three revenue lines are on record. Asset Finance is the primary driver. The others are business Loans and equipment Marketplace.
Who are Geared Asset Finance's main competitors?
Broad incumbents on record are Prospa, Pepper Money and Scottish Pacific Business Finance. Lumi is listed as an emerging player. Silver Chef is listed as an others. Direct peers are Cobalt Equipment Finance, Jade Finance and Liberty Finance.
Does Geared Asset Finance have an API?
No public API is recorded for Geared Asset Finance.
What industry is Geared Asset Finance in?
Geared Asset Finance's product category is Commercial Equipment Finance. Its primary akta.pro industry code is FSAKAGAF, Equipment & Asset Finance (SME), with a secondary code of FSAEAEAJ, Equipment & Asset Finance Brokerage. Its NAICS code is 52222 and its SIC code is 6172.