Equipment finance
that keeps you working.

What equipment finance covers

Equipment finance is how businesses fund the tools, machinery and technology they need to operate and grow, without tying up working capital in a single large purchase. As a Melbourne-based finance broker servicing clients across Australia, we arrange equipment and asset finance by comparing more than 50 bank and non-bank lenders, then matching your situation to the lenders best suited to it. It covers a wide range, from excavators, forklifts and manufacturing plant to medical, hospitality and fit-out equipment, trade tools and technology. The equipment itself usually secures the finance, which is part of what makes it an efficient way to fund productive purchases.

Because the category is broad, the right structure varies. A chattel mortgage suits many business buyers, where the business owns the equipment from the outset and the loan is secured against it. A commercial hire purchase or rental structure suits others. Each option carries different implications for GST, depreciation and ownership, so it is worth discussing with both your broker and your accountant before deciding. We explain the choices in plain language rather than defaulting to a single product.

Equipment finance for new and used equipment

Lenders price new and used equipment differently, and the age, type and expected working life of the asset all feed into the assessment. New equipment from an established supplier is often the most straightforward, but many lenders also fund quality used equipment and private sale purchases, which is one of the clearest reasons that comparing lenders is worthwhile. Equipment one lender considers too old or specialised may suit another comfortably, on terms that work better for you. We handle dealer purchases, private sales and refinances of equipment you already own to release working capital, and we confirm the requirements before you commit.

Low Doc options for established businesses

Not every business has a current set of financials ready when an opportunity to invest in equipment arrives. For eligible borrowers, particularly established ABNs financing a clearly identified asset, Low Doc equipment finance allows an application with reduced documentation, relying on factors such as time in business, asset type and credit profile rather than full financial statements. Low Doc lending often involves different criteria, deposit expectations or pricing compared with a full-documentation application, so we set out the trade-offs clearly. All equipment finance, Low Doc or full-doc, is subject to lender assessment and approval, and individual lending criteria apply.

Why use a broker for equipment finance

Equipment finance rewards comparison. The lender that prices new machinery sharply is often not the one most comfortable with used plant, a private sale, a specialised asset or a newer ABN, and knowing where those lines sit takes experience. We make one enquiry do the work of many: we compare more than 50 bank and non-bank lenders, prepare your application so it is presented well the first time, and stay your single point of contact from enquiry through to settlement. Based in Melbourne and working with businesses across Australia, we manage the paperwork and lender communication so you can keep your attention on running the business. We do not promise a particular rate or guarantee approval; we provide genuine choice and a process that respects your time.