Equipment & asset finance
Finance plant, machinery, vehicles and heavy equipment.
Keep your working capital working.
Asset finance up to $5M* through our lending network. New operators can finance from day one against a signed work contract — no years of trading required.
*Subject to lender credit criteria.
Get a quote
2 minutes · No credit check · Free
*Subject to lender credit criteria.
Asset categories
What you can finance
Our lending network covers virtually every category of business equipment — from a single ute to a fleet of prime movers.
Transport
Trucks, prime movers, trailers, tippers, vans
Civil & construction
Excavators, loaders, bobcats, dozers, graders, cranes, telehandlers, attachments
Forklifts & materials handling
Forklifts, pallet jacks, reach trucks, conveyor systems
Agricultural
Tractors, harvesters, sprayers, irrigation equipment
Medical
Dental chairs, imaging equipment, surgical instruments, practice fit-outs
Hospitality
Commercial kitchens, refrigeration, coffee machines, fit-outs
Manufacturing
CNC machines, presses, lathes, packaging lines, robotics
IT & technology
Servers, networking, POS systems, fleet tracking, AV equipment
New & used
Both new and used equipment financed
Whether you're buying brand-new from a dealer or picking up a well-maintained second-hand machine through a private sale, our lending network can facilitate the finance.
Used equipment may carry a slight rate loading compared to new — this reflects the lender's assessment of residual risk. For higher-value used assets, an independent valuation is typically required to confirm market value. Private sales are accommodated by most lenders in our network.
New equipment
Standard rates, no valuation typically required. Vendor direct payment available.
Used/second-hand
Available from most lenders. Rate loading may apply. Independent valuation required for higher-value assets.
Private sales
Accommodated by most lenders. Valuation and inspection may be required depending on asset value.
The differentiator
Finance from startup — day one
New operators don't need years of financials to get on the road or on-site. If you have a signed work-source letter or contract confirming ongoing work, lenders in our network can finance your equipment from day one.
This is how many owner-operators in transport and civil construction get started — a confirmed contract, a deposit, and the right lender who understands the industry.
Indicative new-operator requirements*
Signed work-source letter or contract confirming ongoing work
No full financials required up to certain limits
Deposit of 10–20% typically applies on new-start or larger deals
Lenders may want evidence of funds to cover early running costs
Active ABN and relevant licences for the equipment category
*Subject to individual lender credit criteria. Requirements vary by lender and deal size.
Finance structures
Types of equipment finance
Each structure has different ownership, GST, and tax implications. The right choice depends on your business circumstances — speak to your accountant about which suits you best.
Chattel mortgage
You own the asset from day one. The lender takes a security interest. You claim depreciation and interest as tax deductions.
Hire purchase
You use the asset while making payments. Ownership transfers to you at the end of the agreement. Interest and depreciation are generally deductible.
Finance lease
The lender owns the asset. You lease it for a fixed term and may purchase it at the end via a residual/balloon. Lease payments are typically deductible as an operating expense.
Rent-to-own
Fixed-term rental with ownership transferring at the end. Useful for newer businesses building equity in an asset over time.
Eligibility
What you need to apply
Equipment finance eligibility is assessed by each lender based on your business profile and the asset being financed. Below are typical requirements across our lending network.
*Subject to lender credit criteria.
Process
How it works
Tell us what you need
Complete our short form with basic details about your business and the equipment you want to finance. No credit check at this stage.
We match you to a lender
Your enquiry is assessed and matched to specialist equipment finance lenders in our network based on the asset type, your profile, and deal size.
Receive your options
A specialist contacts you — typically within the same business day — with available structures and indicative terms.
Settle and collect
Once you accept an offer and provide the required documentation, funds are paid directly to the vendor or into your account within 24–48 hours.
FAQ
Common questions
Everything you need to know about equipment finance through our network. Can't find your answer? Apply and a specialist will help directly.
Get a quote →How much can I finance?
Equipment finance is available up to $5M through our lending network, subject to lender credit criteria. The amount depends on the asset value, your business profile, and the lender's assessment of serviceability.
Can I finance used or second-hand equipment?
Yes. Most lenders in our network finance both new and used equipment, including private sales. Used equipment may carry a slight rate loading and the lender may require an independent valuation to confirm market value.
Can I get equipment finance as a new operator or startup?
Yes. Many lenders in our network will finance equipment for new operators who have a signed work-source letter or contract confirming ongoing work. A deposit of 10–20% typically applies, and lenders may want evidence of funds to cover early running costs. Subject to individual lender credit criteria.
Do I need a deposit?
For established businesses with strong trading history, many lenders offer no-deposit facilities. For new operators or larger purchases, a deposit of 10–20% is common. This varies by lender and deal structure.
What documents do I need?
For established businesses: typically 3–6 months of business bank statements and an invoice or quote for the equipment. For new operators: a signed work contract or letter of engagement, proof of funds for early operating costs, and identification. No full financials are required up to certain limits.
What is the difference between chattel mortgage and finance lease?
With a chattel mortgage, you own the asset and claim depreciation. With a finance lease, the lender owns it and you claim lease payments as an expense. The best structure depends on your tax position — speak to your accountant.
How long are equipment finance terms?
Terms are structured to match the asset's useful life — commonly 3 to 7 years. A truck might be financed over 5 years, while IT equipment might be 3 years. Subject to lender credit criteria.
How fast can I get approved?
Same-day decisions are standard for straightforward applications through our lending network. Funds or direct vendor payment typically occurs within 24–48 hours of approval. Subject to lender credit criteria.
Ready to finance?
Get your equipment working before it's paid off
Two-minute application. No credit check to start. A specialist will be in touch — typically same day.
UP TO $5M*
SAME-DAY DECISIONS*
NEW OPERATORS OK
*Subject to lender credit criteria.