Tell us what you need — we match you with a specialist broker from our network who will compare 40+ lenders and find the right finance for your asset. Vehicles, equipment, machinery, trucks, trailers and more.
What We Finance
From a single work ute to an entire fleet — or heavy machinery worth millions — we structure finance that protects your cash flow.
Business vehicles, SUVs, sedans and light commercial utes.
Prime movers, rigids, tippers and all heavy vehicle classes.
Excavators, cranes, skid steers, compactors and site gear.
Tractors, harvesters, irrigation systems and farm machinery.
Workboats, fishing vessels and commercial marine assets.
CNC machines, lifts, trade tools and manufacturing plant.
Servers, hardware, medical devices and office systems.
Generators, forklifts, production lines and warehouse equipment.
Multi-vehicle fleet solutions for SMEs and corporates.
Simple Process
We handle the hard work so you can focus on running your business.
Fill out our quick enquiry form — it takes under 2 minutes and doesn't impact your credit score.
We connect your enquiry with a qualified finance broker from our network who specialises in your asset type and situation.
Your matched broker shops 40+ banks and non-bank lenders to find the most competitive rate and structure for your needs.
Most applications are approved within 24 hours. Funds are settled directly so you can get straight to work.
Repayment Estimator
Use our calculator to estimate monthly repayments. For an exact quote, submit an enquiry — it's free and takes under 2 minutes.
* Estimates only. Rates shown are indicative and based on a creditworthy borrower. Actual rates and fees will vary. This is not a credit quote.
Finance Structures
Every business is different. We'll recommend the most tax-effective structure for your situation — always in plain English.
You own the asset from day one. The lender holds a mortgage over it as security. GST is claimed upfront, and depreciation and interest are typically tax deductible. Ideal for GST-registered businesses.
We fund the asset, you use it and make regular lease payments. At the end of term you can purchase, re-lease or return. Great for businesses that want to preserve borrowing capacity.
Hire the asset and take ownership once the final payment is made. Repayments are fixed, making cash flow planning easy. A classic structure trusted by Australian businesses for decades.
Purpose-built for machinery, plant and equipment. Available as a loan or lease. Low-doc options are available for businesses with less than 2 years' trading history or minimal financials.
A three-way arrangement between employee, employer and lender. Pre-tax salary is used to fund a vehicle, creating significant tax savings. Popular with salaried staff purchasing personal vehicles.
Finance multiple vehicles or assets under a single facility. Streamlines administration, often unlocks better rates, and lets you manage renewals and upgrades across your entire fleet efficiently.
Industries We Serve
Our specialists understand asset lifecycles, seasonal cash flows and lender appetite across Australia's key sectors.
Client Stories
Filled in the form on a Monday morning. Had a broker call me within the hour, and unconditional approval by Tuesday afternoon. The whole process was explained clearly — no jargon. Great rate on our excavator.
Submitted our details for three utes and the broker we were matched with found us a rate our bank wouldn't touch. Dead easy process from start to finish. Will be using this again for the rest of the fleet.
As a newer business I was worried about getting finance. The broker I was matched with specialised in exactly my situation — got me approved without full financials. Now I have the equipment to take on bigger jobs.
Common Questions
No. We have lenders who specialise in start-ups and businesses under 2 years old. Low-doc options are available, and some lenders will assess based on asset value rather than full financials.
Most applications receive a decision within 24 hours. For straightforward asset types under $150,000, same-day approvals are often possible. Settlement typically occurs 1–3 business days after approval.
No. Submitting your details through our platform is not a credit application and leaves no mark on your credit file. A formal credit inquiry only occurs later, when you choose to proceed with a lender through your matched broker.
Yes, in many cases. Lenders have different policies on asset age and sale type. When we match you with a broker, they'll identify the right lender for your specific asset and purchase situation.
A balloon or residual is a lump sum left at the end of your loan term, which reduces your monthly repayments. It's common in business vehicle and equipment finance. At end of term you can pay it, refinance or return the asset.
Often yes. Depending on the finance structure and your business circumstances, you may be able to claim the interest component, depreciation, or lease payments as tax deductions. Always speak to your accountant for advice specific to your situation.
Finance Guides
Make smarter finance decisions with our practical Australian guides.
Equipment Finance
We break down the key differences, tax implications and cash-flow impacts of Australia's two most popular asset finance structures.
Read Guide →Vehicle Finance
From choosing the right loan structure to understanding balloon payments — everything Australian business owners need to know about vehicle finance.
For specialist vehicle finance, the team at Finance the Ride also provide tailored vehicle finance solutions worth exploring.
Read Guide →Business Finance
New business? Self-employed? Here's how to still access competitive asset finance without two years of tax returns.
Read Guide →Tell us what you need and we'll match you with the right specialist broker — free, fast, and no obligation.
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