Equipment finance
Get the gear that keeps your business moving.
Utes, trucks, excavators, tools and machinery, new or used. We compare lenders for tradies, transport operators and small businesses.
- New and used equipment
- Options for newer ABN holders
- Balloon options to help manage cash flow
What we finance
Trucks, machinery and the gear your business runs on
New or used, from a single machine to a whole fleet.
Transport
- Trucks and prime movers
- Trailers and refrigerated trailers
- Vans and commercial vehicles
- Fleet vehicles
Construction and earthmoving
- Excavators and bulldozers
- Cranes
- Dump trucks
- Skid steers, loaders and rollers
- Other machinery
Business equipment and fit outs
- Office fit outs
- Medical and dental equipment
- Hospitality equipment
- Manufacturing and warehousing equipment
- Technology and IT equipment
Who our equipment finance suits
From a single ute to a fleet, we look at the asset and the business behind it.
Tradies
Utes, vans, trailers and tools of the trade, so you can take on more work.
Transport operators
Trucks, prime movers and trailers for owner drivers and growing fleets.
Yellow goods
Excavators, loaders, skid steers and other earthmoving and construction machinery.
Businesses buying used
Buying second hand? Some lenders consider used equipment, depending on its age, type and condition.
Ute finance
Ute finance for tradies and ABN holders
Your ute is where the work starts. We compare lenders for new and used utes, from a dealer or a private seller.
Chattel mortgage
You own the ute from day one and the lender holds it as security. A common choice for ABN holders using the ute mainly for work.
Lease and hire purchase
Other ways to structure ute finance, each with different ownership and tax treatment. Your accountant can tell you which suits your business.
Balloon payments
A balloon can lower your regular repayments, with a lump sum due at the end of the term. We'll show you both ways.
New ABN, dealer or private sale
Some lenders consider newer ABN holders and private sale utes, depending on your industry experience and the vehicle.
What you'll need depends on your situation
One conversation and we'll tell you exactly what's needed.
Why use a broker
One conversation, more options
We compare lenders for you
Instead of approaching lenders one by one, we compare options from lenders on our panel and focus on the ones that suit your situation.
One application, handled for you
You give us your details once. We prepare the application and deal with the lender, so you don't have to chase anyone.
Low doc options where available
Self employed or running a newer business? We know which lenders consider other ways to show your income.
Someone in your corner
We explain your options in plain English and keep you updated from enquiry through to settlement.
FAQs
Common questions
Can I finance older or used equipment?
Often, yes. Some lenders consider older equipment, depending on its age, type and condition, and whether you're buying from a dealer or privately. Tell us what you're looking at and we'll check which lenders suit.
Can I get equipment finance with a new ABN?
We may be able to help. Some lenders consider newer businesses, particularly where you have experience in the industry or can put down a deposit. Every application is assessed by the lender, so we'll talk through what's realistic for you.
What kinds of equipment can be financed?
Most business assets, including utes and commercial vehicles, trucks and trailers, earthmoving and construction machinery, agricultural equipment, workshop tools, and medical or office equipment. If you're not sure, just ask.
What's the difference between a chattel mortgage and a lease?
They're different ways to structure equipment finance. With a chattel mortgage you own the equipment from the start and the lender takes security over it. With a lease, the lender owns the equipment and you pay to use it. Each is treated differently for tax and accounting, so check with your accountant which suits your business.
Will enquiring affect my credit score?
No. Making an enquiry with us has no impact on your credit score. A credit check only happens if you decide to go ahead with a full application, and we'll talk you through that before anything is submitted.
Free, no obligation
Get your equipment finance quote
Tell us what you're buying and a little about your business. It takes about a minute, and there's no impact on your credit score to enquire.
Prefer to talk?
0415 592 217