Equipment Finance
What is equipment finance?
Equipment finance helps businesses acquire the machinery, vehicles, and tools they need to grow without paying the full cost upfront. Instead of tying up working capital, the asset is funded through flexible repayment structures, allowing you to spread the cost over time while using the equipment to generate income. It can be used for equipment ranging from small tools and minor machinery through to large industrial assets such as cranes and heavy construction equipment. It’s commonly used for trucks, construction machinery, office systems, and specialist tools, making it easier for businesses to upgrade, expand, or replace essential assets while maintaining healthy cash flow.
Wide range of equipment
Finance for tools, machinery, vehicles and specialist equipment.
Flexible loan terms
Typical terms from 3 to 7 years, subject to eligibility.
Options for tougher credit
Alternative structures available for clients with credit challenges.
3 Months Minimium ABN
$10k Monthly Turnover
Australian Driver Licence
Benefits of Equipment Finance
Equipment finance offers a range of benefits that help businesses manage growth without putting pressure on cash flow. One of the key advantages is improved cash flow management, as it allows you to acquire essential machinery and equipment without large upfront costs. It also helps preserve working capital, so funds can be used for other areas of the business like staffing, marketing, or expansion. Payments are typically structured to match the income generated from the equipment, making budgeting more predictable and manageable. In many cases, it can also provide tax advantages, depending on how the finance is structured. Overall, equipment finance makes it easier for businesses to stay competitive, upgrade assets when needed, and scale operations efficiently without large capital outlays.
Success Stories
Excavator Funded for a construction company
We arranged equipment finance tailored to their business, using the excavator as the secured asset. Within a short timeframe, approval was secured and settlement was completed quickly, allowing them to get the machine on-site without delay.
Tipper Truck for concreting company
Our concreting client came to us with a new ABN and a contract for 3 years of work but needed new machinery to get it done , using the work source letter and projections we were able to have them settled within 3 days
How it works
1. Short consultation
We start with a quick conversation to understand your business, the equipment you need and how much you want to borrow.
2. Documents and options
You provide your bank statements, ID and an equipment quote or invoice. We review your profile across our lender panel and outline the finance options available.
3. Approval and funding
Once you choose a direction, we submit your application. Many approvals and contracts are turned around within 24 to 48 hours.
Frequently asked questions
What type of equipment can you finance?
We can finance a wide range of business equipment including excavators, tools, hospitality equipment and other specialised assets. If you’re unsure about a particular item, we can confirm eligibility before you apply.
What are the loan terms?
Loan terms typically range from 3 to 7 years, subject to your eligibility, the type of equipment and the lender’s criteria.
I have poor credit history. Can I still get equipment finance?
You may still have options. We work with lenders who support clients through alternative structures such as leasing, rent to own and other finance solutions, which can help you rebuild a stronger repayment history over time.
Is my business eligible?
Most lenders look for an active ABN or ACN, at least 3 months trading and a minimum monthly turnover of $10,000. If you do not meet these figures, you may not qualify for our current equipment finance products.
Explore our finance services
Unsecured Business Loans
Keep your cash flow moving with fast, unsecured funding for stock, wages, projects and growth, without tying up property.
Car Loans
Upgrade or expand your fleet with flexible car and commercial vehicle finance that works for trades, transport and service businesses.
Business Line of Credit
Access funds when you need them with a revolving line of credit, so you only pay interest on what you use.
Ready to finance your equipment?
Tell us what you’re looking to purchase and we’ll show you equipment finance options that fit your business and cash flow.