Equipment and machinery finance, ready when the job is.
From excavators to fit-outs, fund the gear your business needs over its working life and keep your cash for running the operation.
Why businesses use us
- ✓ New and used equipment
- ✓ Dealer or private sale
- ✓ Chattel mortgage, lease or rental
- ✓ A panel of lenders compared for you
- ✓ Approvals often within 24 to 48 hours
What is equipment finance?
Equipment finance is a way for a business to acquire the machinery, plant, vehicles or tools it needs without paying the full purchase price upfront. Instead of drawing down your cash reserves, you fund the asset and repay it over an agreed term, usually matched to the working life of the equipment. The asset itself typically acts as the security for the finance, which is what makes this type of lending faster and more accessible than an unsecured loan.
As finance brokers, we sit between you and the lenders. We compare options across our panel of banks, non-bank lenders and specialist asset financiers, then guide you toward a structure that suits the equipment, your cash flow and how your business is set up. You get the gear working sooner, and your capital stays in the business where it earns its keep.
Fund the gear without draining the bank.
Equipment and machinery finance lets you put the right gear to work now and pay for it over time, so a large purchase does not tie up your working capital. As brokers, we compare lenders across our panel of banks, non-banks and specialist asset financiers, then match you to one whose policy suits the equipment and your business.
We arrange finance for earthmoving and construction plant, transport and heavy vehicles, manufacturing machinery, trade tools, hospitality, medical and IT equipment, and office fit-outs, new or used, for businesses right across Australia. If it helps your business operate or grow, there is a good chance it can be financed. Below is how that looks across the industries we work with most.
Equipment finance built around your industry.
Every sector runs on different gear, and lenders view each type of asset differently. Here is how equipment finance works across the industries we support most across Melbourne and Australia-wide.
Construction and earthmoving
Finance for excavators, skid steers, loaders, graders, dozers, tipper trucks, cranes, telehandlers, compactors and attachments. Built for builders, civil contractors, earthmovers and subbies who need gear on site and working, not sitting in a yard waiting on funding. We understand project cash flow and the seasonal swings that come with construction across the south-east Melbourne growth corridor.
Transport and logistics
Funding for prime movers, rigid trucks, refrigerated vehicles, trailers, vans and fleet upgrades. Whether you are an owner-operator taking on your first truck or a growing carrier expanding a fleet, we structure finance around how transport businesses actually earn. For heavy vehicles specifically, see our truck and heavy vehicle finance.
Manufacturing and processing
Finance for CNC machines, lathes, milling machines, laser cutters, robotic systems, production lines, packaging machinery and processing equipment. Manufacturing plant is often a major capital outlay, and financing it lets you add capacity or upgrade technology without draining the working capital that keeps the floor running.
Hospitality and retail
Funding for commercial kitchens, combi ovens, refrigeration, coffee machines, dishwashers, POS systems and full venue fit-outs. Ideal for cafes, restaurants, bars and retailers opening a new site or refreshing an existing one, so you can get the doors open and trading sooner.
Medical and healthcare
Finance for imaging and diagnostic equipment, dental chairs, lab machinery, clinical tools and practice fit-outs. Medical and allied health equipment tends to hold value well and is viewed favourably by lenders, which can open up competitive options for practices investing in new technology.
Agriculture and farming
Funding for tractors, harvesters, headers, seeders, balers, irrigation systems and livestock handling equipment. We work with lenders who understand seasonal income and can structure repayments around the realities of farming cash flow rather than a flat monthly assumption.
Do not see your industry above? We also finance IT and office equipment, professional practice fit-outs, gym and fitness equipment, cleaning and waste plant, and most other income-producing business assets. If your business relies on it to operate, talk to us and we will tell you honestly what is likely to be possible.
Choosing the right finance structure.
The structure you choose affects ownership, how the asset sits on your books, and how it is treated at tax time. We explain the options in plain language and help you pick one that fits, then your accountant can confirm the tax and GST treatment for your situation.
Chattel mortgage
You own the equipment from the day it is delivered, and the lender holds a registered interest over it until the finance is paid out. It is one of the most common structures for businesses because ownership sits with you from the start. Interest and depreciation are generally handled through your business accounts, and GST-registered businesses often claim the GST on the purchase price. A common choice for tradies, transport operators and small businesses buying core gear they intend to keep.
Finance lease
The lender buys the equipment and leases it to you for an agreed term. You have full use of the asset and make regular lease payments, with options at the end of the term to take ownership, upgrade or continue leasing. This can suit businesses that prefer to keep the asset off their balance sheet or want predictable payments, depending on how they account for it.
Commercial hire purchase
The lender buys the equipment and you hire it, making regular payments across the term. Ownership transfers to you automatically once the final payment is made. It sits somewhere between a chattel mortgage and a lease, and can suit businesses that want a clear path to ownership with a fixed repayment structure.
Rental and operating lease
You pay to use the equipment over a set period without the commitment of ownership. This can suit assets that date quickly, such as IT and technology, or gear you only need for a specific project or season. At the end of the term you can typically return, upgrade or extend, which helps keep your equipment current.
Not sure which structure fits? That is what we are here for. We will walk you through the practical differences based on the asset and your business, and flag anything worth raising with your accountant before you commit.
Tax, GST and depreciation, in plain terms.
General information only. Tax outcomes depend on your business structure, how the asset is used and the current rules, so always confirm your position with your accountant or registered tax adviser.
Depreciation
When your business owns a financed asset, such as under a chattel mortgage, you can generally claim depreciation on it over time, reflecting how the equipment wears out across its working life. The interest portion of your repayments may also be deductible. How this applies depends on the finance structure and your circumstances.
GST
If your business is registered for GST, you may be able to claim the GST included in the equipment purchase price through your Business Activity Statement, depending on the finance structure. This can improve your cash flow position in the period you make the claim. Your accountant can confirm timing and eligibility.
Instant asset write-off
The Federal Government's instant asset write-off can let eligible small businesses immediately deduct the cost of qualifying assets rather than depreciating them over several years. Thresholds, eligibility and timing for this concession change from year to year and are set by legislation, so check the current rules on the ATO website and confirm with your accountant before relying on it for a purchase.
Why timing matters
Because tax concessions are often tied to when an asset is first used or installed ready for use, the timing of a purchase can affect what you are able to claim in a given financial year. Financing the asset can help you bring a needed purchase forward without tying up your cash, but the tax treatment is a question for your accountant, not your broker.
This information is general in nature and does not take into account your objectives, financial situation or needs, and is not tax advice. Tax thresholds and eligibility rules change over time. Always check the current position with the ATO and your registered tax adviser before making a decision.
New, used, low-doc and what lenders look at.
New or used equipment
You can finance both. New equipment often attracts the longest terms and the widest lender choice. Used and private-sale purchases are common too, though the age and type of the asset can affect the term and which lenders will consider it. We match the purchase to a lender whose policy fits.
Low-doc options
For some asset purchases, low-doc finance may be available where full financial statements are not required, often assessed on the asset, your trading history and bank statements instead. Availability depends on the lender, the asset and your circumstances, and we will tell you upfront what you are likely to qualify for.
What lenders look at
Lenders typically consider your ABN and how long you have been trading, whether you are registered for GST, the asset itself as security, and your business and personal credit position. Every lender weighs these differently, which is exactly why comparing across a panel matters rather than accepting the first offer.
Put the gear to work today.
Rather than waiting until you have saved the full purchase price, you fund the equipment over its working life and let it start earning straight away. The points here are a simple illustration, not a quote or an offer. Your actual repayments depend on the lender, the asset, the term and your circumstances.
Illustrative only. Subject to lender approval, eligibility, fees, charges and terms and conditions. Not financial or tax advice.
Why use an equipment finance broker?
A bank can only offer you its own products at its own policy. As brokers, we compare across a panel of lenders, which means when one lender says no or offers an ordinary structure, we have others to turn to. We handle the comparison, the paperwork and the back-and-forth with lenders, so you stay focused on the job rather than the forms.
We are based in Pakenham and work with businesses right across Melbourne's south-east growth corridor, from Casey and Cardinia through Berwick, Officer, Cranbourne and Narre Warren, as well as Australia-wide. That local grounding matters. We know the trades, transport and construction operators driving this region, we understand how their work and cash flow move, and you deal directly with us rather than a call centre. It is finance guidance from people who understand the businesses behind the equipment.
Equipment finance, answered.
What equipment can you finance?
Can I finance used equipment or a private sale?
Do I need a deposit?
Can I get equipment finance with a new ABN?
How fast can I get approved?
Is low-doc finance available?
What loan terms are available?
What is a balloon or residual payment?
Is equipment finance tax deductible?
Why use a broker instead of going to my bank?
Related finance.
Equipment Finance Near You
Ready to finance your equipment?
Start a quick quote or call us directly. We compare lenders and handle the paperwork, so your gear gets to work sooner.