Equipment Finance Broker

What we finance every week (industries + asset classes)

Good equipment finance is category-aware. Different lenders have different appetites for asset type, age/hours, usage, and whether it’s dealer supply or private sale. We structure deals for construction fleets, transport operators, agriculture, medical, warehousing and manufacturing — and we package the file so the lender’s credit team gets what they need without endless back-and-forth.

Construction & earthmoving: excavators, skid steers, loaders, rollers, graders, access gear and attachments. Expect serial verification, photos and quick PPSR checks. We can also plan staged settlements when attachments arrive weeks after the base machine.

Transport: prime movers, rigids, trailers, refrigeration, tippers and specialist bodies. Transport often lives or dies on cash flow, so we size residuals to realistic resale ranges and keep repayments predictable. Older assets usually mean tighter terms or different lender choices — we’ll flag that early.

Warehousing & materials handling: forklifts, reach trucks, pallet movers, racking and fit-out equipment. Multi-invoice purchases are common here; we can structure one facility with staged settlements to keep cash flow steady.

Manufacturing & fabrication: CNC, lathes, press brakes, welders, compressors, generators and specialist tooling. Many of these assets need inspection and valuation baked into the timeline, especially when purchased used or from private sellers.

Medical, dental & veterinary: imaging, chairs, sterilisation and fit-out equipment. Finance leases can suit refresh cycles; operating leases can suit faster-moving technology. We’ll map the five-year numbers so you can decide based on total cost, not guesswork.

Hospitality & retail: fit-out equipment, POS, refrigeration and kitchen equipment. These can be blended with rental-style options so projects keep moving without choking working capital.

How approvals work (what lenders actually look at)

Lenders assess the deal from two angles: the business profile (capacity to repay) and the asset profile (security and resale). That’s why two businesses can buy the same excavator and get different outcomes. Most lenders will look at some combination of: ABN age and trading history, GST registration, BAS/bank statement patterns, credit file, industry stability, deposit/LVR, and the asset’s age/hours.

When a deal is borderline, packaging matters. A clean submission with a tight business story, clear supplier details and a sensible balloon can turn a “maybe” into a “yes”. If you’re early-stage or cash flow is lumpy, we’ll shortlist lenders that have genuine appetite for your profile rather than wasting time on lenders who will inevitably decline.

Newer business or complex income?

Start-ups and newer ABNs can still be financeable, but expectations change. Lenders may tighten LVR, cap asset ages, shorten terms, or ask for stronger documentation. If you’re still in the early phase, we’ll usually run two tracks: a best-case full-doc scenario and an alt-doc scenario with realistic pricing and conditions. The goal is not just approval — it’s approval that protects your delivery timeline and keeps repayments sustainable.

What we need (docs) — full-doc vs alt-doc

Full-doc (best pricing): ABN, ID, most recent financials (company/trust/sole trader), BAS and bank statements, plus a quote or invoice. Private sales often add photos, serials, PPSR and sometimes an independent valuation. We package the submission so credit sees the story the way you want it told.

Alt-doc (fast, early-stage or complex): ABN, ID, BAS or bank statements, and an accountant letter if needed. Expect tighter LVRs, capped asset ages and marginally higher rates. We keep the structure simple so the file moves quickly and your delivery window is safe.

Rates, terms & balloons — what really moves pricing

The three levers that usually matter most are (1) documentation strength, (2) deposit/LVR, and (3) asset profile (age/hours and category). Terms are commonly two to seven years. Longer terms reduce repayments but increase total interest. Balloons/residuals reduce monthly repayments but push principal to the end, which can lift total interest. The trick is sizing the balloon to expected resale so you’re not upside-down at changeover.

If your business is seasonal (construction, agriculture, hospitality), we’ll look at timing and cash flow patterns to avoid repayments that bite in the slow months. If your asset is older, we may tighten the term to protect the lender, or choose a lender whose policy is more forgiving for age/hours.

Private sale safety (don’t skip this)

Private sales can be excellent value, but the risk is real. A good broker process includes serial verification, condition evidence, PPSR checks, settlement controls and clear seller instructions. We coordinate these steps so you don’t pay for a machine you can’t register, can’t insure, or can’t prove title on.

Use the equipment finance calculator (quick sanity check)

Before you lock a structure, run the numbers. Our Equipment Finance Calculator lets you model repayments by term and residual so you can see how a balloon changes cash flow. The “best” option is usually the one that keeps repayments comfortable while matching how the asset will be sold or upgraded later.

If you want, send your preferred term and balloon through the form above. We’ll sanity-check it against likely lender guidelines and your asset category before you waste time chasing an unrealistic structure.

Buying premises or funding a bigger project?

Equipment finance is often one piece of a bigger puzzle. If you’re buying a warehouse, workshop or commercial premises, you may be weighing asset finance alongside commercial property lending. We can help you map the whole picture so equipment repayments don’t squeeze working capital or reduce serviceability at the wrong time.

Useful next steps: Commercial Mortgage Broker, Commercial Property Calculator, Commercial Property Finance Guide, and Commercial property market Australia 2025.

How we run your deal (start to settlement)

1) Quick triage: We confirm the asset, supplier, entity, state/location and delivery date. 2) Structure & shortlist: Chattel vs HP vs lease, with a realistic balloon and lender shortlist. 3) Approval & settlement: We coordinate inspections, valuations, PPSR, insurance and supplier settlement instructions. 4) Post-settlement: We review upgrade and refinance options when rates move.

The goal is a predictable path: fewer surprises, cleaner documentation, and settlement that happens when it should — not when a missing serial number finally gets emailed through.