What asset finance leads cost, and what moves the price
Asset finance leads are priced on what sits behind them: the asset, its value, and how soon it has to settle. A quote only means something once you know how many leads you need per settlement, and verification, exclusivity and asset class decide that.
Asset finance leads sit in the middle of the market on price: above shared consumer car-loan enquiries, because a buyer with a specific asset, a value and a settlement timeframe is a different person, and below commercial property enquiries, because the deal is smaller and settles faster. Inside that band the price moves with the asset classes you accept, how much of the deal the form captures, whether the enquiry is sold once or several times, and whether the mobile was verified before it reached you. The buyer's deadline is usually set by someone else, a dealer holding a vehicle or an auction closing, so an aged or resold enquiry loses value faster here than almost anywhere.
Read any quote as the per-lead figure multiplied by the leads you need to fund one deal, set against what a settled deal in that asset class pays you.
Asset class
Passenger vehicle enquiries cost the least to generate and settle for the least. Yellow equipment, agricultural machinery and manufacturing plant cost more per click, carry larger amounts and price higher per lead.
Deal value and deposit
A lead that states value, deposit and amount shows you the loan-to-value position before you call. Providers that capture all three charge more than those selling a name and a vehicle type.
Buyer mix
Some flows are business buyers only, some private, some both, and each needs a different part of your panel. Ask which the quote covers, and how the lead shows it.
Exclusivity
A resold enquiry is priced low because the dealer's finance desk and two other brokers are already in the conversation. Sold once, the price reflects a first call.
Verification
SMS confirmation of the mobile, plus a human check that the asset and amount are plausible, strips out dead numbers before you pay. It costs the provider something, and it shows in the price.
Campaign restrictions
Restricting a flow to one asset class or to used-only costs more with some providers and not others, depending on whether they filter a broad campaign or run a dedicated one for that class. Ask which.
Price a quote on leads per settlement, not dollars per lead. Multiply the provider's contact rate by your own conversion from first conversation to settled deal in that asset class, then invert. A hypothetical example with round numbers: using the 72.5% contact rate we publish, and assuming one in four contacted enquiries settles, you fund one deal for roughly every five and a half leads. Multiply that by the quoted price, set it against your average upfront commission on those assets, and the quote either works or it does not.
Two things distort the arithmetic in asset finance. Small-ticket purchases around the $20,000 write-off threshold settle quickly but pay little, so a flow heavy in them needs a lower price per lead than a flow of earthmoving equipment at the same contact rate. And used assets bought privately need inspections and PPSR checks that dealer stock usually does not, so more of them fall over and the cost per funded deal climbs. Be precise about what you accept before you agree a price. The full method, and the comparison across niches, is in what finance leads cost.
When a quote lands well below the rest of the market, it is usually one of these:
- Shared enquiries, already sent to several brokers and to the dealer's own finance desk.
- Unverified form fills, where a share of the mobiles were never real and you pay for them anyway.
- Aged enquiries from a campaign that ran weeks ago. The vehicle has been bought, or the buyer has moved on.
- Lists of ABNs in transport, construction or agriculture with no enquiry behind them: a prospecting list, not a lead.
None of these is dishonest in itself, but each is a different product, and the price tells you which one you are being offered.
Two things are lifting asset finance enquiry volume this year. The $20,000 instant asset write-off was made permanent from 1 July 2026 for businesses under $10M turnover; it passed Parliament in August 2026 and remains subject to Royal Assent (aph.gov.au, August 2026). Permanence spreads small equipment purchases across the year instead of compressing them into June, which steadies the flow of smaller-ticket enquiries and shifts the mix toward them. The detail is on our instant asset write-off 2026 page.
Business credit is growing 10.8% year on year (RBA Financial Aggregates, July 2026). More lending means more brokers and lenders bidding on the same finance searches, and the cost of producing each enquiry rises with them. The likely net effect for a buyer of leads is a larger pool, skewed smaller. If a provider's price has stayed flat through that, ask what has changed in the qualification.
We generate asset finance enquiries from our own Google and Meta campaigns in Australia, capture asset type, make and model where applicable, value, deposit, amount, settlement timeframe and whether the asset is new, used or demo, verify every mobile by SMS with automated scoring and a human qualification review, and sell each enquiry once. Pay per lead, priced on a call by asset class and volume, with no lock-in contracts, no setup fees and no monthly retainers; campaigns are typically live within 7 days and leads arrive in real time to your inbox or CRM. Fields and asset classes are on asset finance leads; the broker-side view is on leads for asset finance brokers.