● Equipment & Machinery Finance

Equipment Finance
Built for Australian Business

From CNC machines to excavators, forklifts to medical devices — we match you with a specialist broker who can fund virtually any business equipment. Low doc options available. No full financials required.

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Free Matching Service
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40+ Lenders
24hr Approvals
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Low Doc Available
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Australia-Wide
What We Finance

Any Equipment. Any Industry.

Our broker network covers the full spectrum of business equipment across every major Australian industry.

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Construction & Earthmoving

Excavators, graders, loaders, compactors, skid steers, trenchers, rollers

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Workshop & Manufacturing

CNC machines, lathes, laser cutters, hydraulic presses, welding equipment

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Agricultural Equipment

Tractors, harvesters, seeders, sprayers, balers, augers, irrigation systems

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Medical & Healthcare

MRI machines, CT scanners, dental chairs, surgical equipment, theatre fit-outs

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Warehousing & Logistics

Forklifts, racking systems, pallet wrappers, conveyor belts, reach stackers

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IT, AV & Office

Servers, data centres, phone systems, printers, office fit-outs, AV equipment

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Hospitality & Commercial Kitchen

Commercial ovens, fridges, coffee machines, POS systems, venue fit-outs

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Waste & Recycling

Shredders, balers, compactors, waste trucks, oil separators, skip loaders

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Mining & Drilling

Drill rigs, underground loaders, rock breakers, haul trucks, compressors

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Beauty & Salon

Laser machines, chairs, LED beds, hydro dermabrasion, fitout equipment

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Gym & Fitness

Treadmills, reformers, weight equipment, full gym fitouts

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Aviation Ground Support

Tugs, tow tractors, ground power units, refuelling trucks, loaders

Banks Say No. Brokers Find a Way.

Most Australian banks have rigid equipment finance policies — they'll knock back newer businesses, non-standard assets, or anything that doesn't fit neatly into a box. A specialist equipment finance broker operates differently.

They know which lenders are hungry for which asset types, and they structure your application to maximise approval chances. For businesses that have been declined by their bank, a broker almost always has a solution.

  • Access to 40+ bank and non-bank lenders
  • Low doc and ABN-only pathways available
  • New businesses and start-ups considered
  • Private sale and imported equipment funded
  • One application, multiple lenders assessed
  • Your credit file protected — no shotgun applications

Who Qualifies?

  • ABN Holders & Sole Traders
    Low doc options from 1 day ABN in some cases
  • Small to Medium Businesses
    Full doc or low doc depending on your situation
  • New Businesses Under 2 Years
    Asset security can offset limited trading history
  • Businesses Without Full Tax Returns
    Bank statements or BAS may be sufficient
  • Businesses Declined by a Bank
    Non-bank lenders assess applications differently
Finance Structures

Choosing the Right Structure

The right structure depends on your tax position, cash flow and whether you want to own or use the equipment. Your matched broker will explain all options in plain English.

Most Popular

Chattel Mortgage

You own the asset from day one. GST claimed upfront. Interest and depreciation typically tax deductible. Ideal for GST-registered businesses wanting ownership and maximum tax benefits.

Off Balance Sheet

Finance Lease

Lender owns the asset, you use it and make lease payments. At end of term — buy, re-lease or return. Keeps the asset off your balance sheet and preserves borrowing capacity.

Low Doc Friendly

Equipment Loan (ABN Only)

Designed for businesses that can't provide full financials. Often approved using ABN, bank statements and a description of the asset. Fast turnaround, minimal paperwork.

Hire Purchase

Commercial Hire Purchase

Hire the asset and take ownership once all payments are made. Fixed repayments make cash flow planning straightforward. A trusted structure for Australian businesses for decades.

Get Matched With an Equipment Finance Specialist

Tell us what you need and we'll connect you with a broker who specialises in equipment finance for your industry. Free service. No obligation. Response within 2 business hours.

  • No impact on your credit score
  • Low doc options available
  • All equipment types considered
  • New ABNs welcome
Common Questions

Equipment Finance FAQs

Yes. Low doc equipment finance is one of the most common pathways for Australian businesses. Lenders typically accept bank statements and BAS statements in place of full tax returns. Some lenders will approve based on the asset value alone for well-established asset types.
There's no hard minimum. Some lenders will consider businesses with as little as 1 day ABN for certain equipment types, particularly where the asset itself provides strong security. The shorter your trading history, the more the lender will focus on the asset type and your ability to service the loan.
Yes in most cases. Lenders assess used equipment based on age, condition and whether it can be valued and resold if needed. Newer used equipment in good condition is generally straightforward. Older or highly specialised equipment may require a specialist lender — your broker will know who to approach.
With a chattel mortgage, you own the equipment from day one and claim GST upfront, with interest and depreciation as ongoing deductions. With a finance lease, the lender owns the asset and you make lease payments — the full payment is often deductible. Which is better depends on your business structure and tax position. Your matched broker can walk you through both.
Yes. Many lenders accept private sale equipment finance, though requirements vary. You'll typically need to provide a receipt or contract of sale, details of the seller, and documentation about the asset. Some lenders may require an independent valuation for higher-value or specialised equipment.
Most straightforward applications receive a decision within 24 hours. Same-day approvals are possible for well-established businesses and standard equipment types under $150,000. Settlement (funds released to the seller) typically occurs 1–3 business days after approval.