Equipment & machinery finance Australia-wide
Keep cash in the business and get the equipment working for you sooner. We arrange finance for new and used plant, machinery and business equipment.
- ✓Earthmoving, construction and agricultural machinery
- ✓Forklifts, workshop, hospitality, medical and IT equipment
- ✓New, used, dealer or private sale
Get a quick quote
Two minutes, no obligation. We'll call you back within one business day.
How equipment finance works
Equipment finance lets your business use an asset now and pay for it over time, so working capital stays free for wages, stock and growth. The equipment usually secures the loan.
The main structures are a chattel mortgage, a finance lease and commercial hire purchase. They differ in who owns the asset during the term and how GST and tax are handled, so it's worth checking with your accountant. We'll set out the options side by side.
Estimate repayments
What we can help finance
- Excavators, loaders, skid steers and earthmoving gear
- Tractors, harvesters and farm machinery
- Forklifts and warehouse equipment
- Workshop, manufacturing and CNC machinery
- Commercial kitchen and hospitality fit-outs
- Medical, dental and beauty equipment
- IT, phone systems and office equipment
- Solar and energy-efficiency equipment for business
What you'll usually need
- ABN and business details
- Recent BAS and/or financial statements (low-doc options may need less)
- Business bank statements
- Supplier quote or tax invoice for the equipment
Every lender is different. We'll confirm exactly what's needed for your application.
Ways to structure it
Which option suits depends on how you'll use the asset, your income and your plans. We'll walk you through the pros and cons.
Chattel mortgage
Your business owns the equipment from the start and the lender takes security over it.
Finance lease
The lender owns the equipment and leases it to you, with a residual at the end.
Commercial hire purchase
The lender owns the equipment until the final payment, then ownership passes to you.
Low-doc equipment finance
For some established ABN holders who may not have up-to-date financials. Lender criteria apply.
How it works
Tell us what you need
Send a quick quote or email us. We'll ask about the asset, the amount and your situation.
We compare options
We look at suitable lenders and loan structures and explain the trade-offs in plain English.
Apply with our help
We prepare and lodge the application and keep you posted until the lender decides.
Settle and get going
Once approved, we coordinate settlement with you and the seller or supplier.
Frequently asked questions
Can a new business get equipment finance?
Some lenders will consider newer ABNs, especially with a deposit, property backing or industry experience. We'll tell you which options are realistic.
Can I finance used or private-sale equipment?
Yes, many lenders will, although they may need an inspection or valuation first.
Which structure is best for tax?
That depends on your business. We explain how each structure works, and your accountant can confirm the tax and GST treatment.
Can I bundle several items together?
Often, yes. Several items from one supplier can usually go on one facility.
Ready to talk about your finance?
Tell us what you're buying and we'll do the legwork with lenders.