Finance the gear that grows your business.

What is equipment finance?

The right equipment at the right time is often what separates a good quarter from a great one — and rarely the moment you have the full cost sitting in the bank.

Equipment finance lets you acquire a business asset now and spread its cost over the years it earns for you, with the asset itself as the security. Instead of a lump sum leaving the business, you make manageable repayments while the gear does its job. That keeps working capital free for wages, stock and the next opportunity — and, structured well, the finance sits comfortably against the extra income the asset generates.

What we finance

• Trucks, trailers & transport — prime movers, rigids, tippers and fleet upgrades.
• Plant & machinery — excavators, loaders, cranes, agricultural and manufacturing equipment.
• Trade & workshop — tools, compressors, hoists and fit-out.
• Technology & medical — IT hardware, medical and dental equipment, POS and office fit-out.
• Used & private sale — not just dealer stock; we place used and private-sale assets too.

How the finance is structured

Three structures cover most deals. The right one depends on how you account for the asset and how you use it.

Unsure which suits your books? Your accountant and our broker can settle it between them — that's part of the service.

Rates & what drives your pricing

There's no single equipment finance rate. What moves yours:

• Asset type & age — newer, mainstream assets price sharper than older or specialised ones.
• Deposit or balloon — how the repayment is shaped across the term.
• Trading history & turnover — established businesses get the widest choice and best pricing.
• Credit profile — the business's and directors' credit standing.
• Lender fit — each lender has an asset appetite; the right match is the difference between a sharp rate and a decline.

Any figures on this page are indicative only and do not constitute a formal finance offer or approval.

Eligibility & what lenders look for

Most approvals come down to an active ABN with a reasonable trading history, an asset the lender is comfortable funding, and cash flow that services the repayment. Low-doc options exist for established businesses assessed on ABN and asset alone, and no-property-security structures are common because the asset is the security. We package the deal for the lender most likely to say yes, the first time.