Business & Equipment Finance
Whether you need a new excavator, a fleet of vans, or working capital to grow — we'll find the right finance structure from lenders who actually understand small business.
Business Assets & Equipment
If it helps your business make money, we can probably finance it. Here's what our clients typically finance.
Commercial Vehicles
Utes, vans, trucks, trailers — any vehicle your business needs on the road. New and used, single vehicles or full fleets.
- Utes & light commercials
- Trucks & heavy vehicles
- Fleet finance available
Equipment & Machinery
From construction equipment to medical devices, manufacturing machinery to IT infrastructure. Keep your capital free while getting the gear you need.
- Construction & earthmoving
- Manufacturing equipment
- Medical & professional
Working Capital
Business lines of credit, overdrafts, and short-term funding to cover cash flow gaps, stock purchases, or growth opportunities.
- Business line of credit
- Invoice finance
- Short-term business loans
The Right Structure Matters
Different finance structures have different tax implications. Choosing the wrong one can cost you thousands. We'll walk you through the options so you make the best decision for your business.
- Chattel mortgage — you own the asset, claim GST on purchase, and deduct interest. Most popular for ABN holders.
- Finance lease — the lender owns the asset and leases it to you. Payments may be fully deductible. Great for off-balance-sheet finance.
- Hire purchase — progressive ownership with each payment. Simple structure, wide lender acceptance.
- Operating lease — use the equipment without owning it. Walk away or upgrade at the end. Suits fast-depreciating tech.
- Rent to own — low-doc option for newer businesses. Lower credit requirements than traditional finance.
We Speak Small Business
Lenders Who Get It
Banks often say no to small business. We work with specialist commercial lenders who understand variable income, seasonal cash flow, and the realities of running a business in Australia.
Low-Doc Options Available
Don't have two years of financials? No problem. We have lenders who approve on as little as 6 months of bank statements or BAS returns. Sole traders, partnerships, and companies.
Tax-Smart Structuring
The right finance structure can significantly reduce your tax bill. We'll explain the tax implications of each option in plain English so you can make an informed decision — always confirm with your accountant.
Fast Turnaround
When a good deal on equipment comes up, you can't wait weeks for approval. We'll have an answer in 24 hours for most applications, and same-day for urgent requests.