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Equipment Finance

Flexible finance for tools, machinery, and business equipment.

Get the equipment you need with flexible finance options

We offer flexible equipment finance solutions to help businesses purchase tools, machinery, and commercial equipment for day-to-day operations or growth. Whether you’re upgrading existing assets or investing in new equipment, we help you explore finance options suited to your situation.

Our process is straightforward and transparent. We assess your circumstances upfront and guide you through suitable lender options, repayment structures, and terms — so you can move forward with confidence.

Why choose our equipment finance options?

  • Wide equipment coverage: Finance for tools, machinery, and commercial equipment.
  • New or used assets: Options available for both new and used equipment.
  • Business-focused solutions: Suitable for sole traders, contractors, and businesses.
  • Flexible structures: Loan terms and repayment options tailored to your needs.
  • Clear guidance: We explain your options so there are no surprises.

How it works

01
Apply online

Submit a brief application so we can understand the equipment you’re looking to finance and your situation.

02
Assessment & options

We assess your application and identify suitable equipment finance options that support the purchase.

03
Settlement

Once accepted, funds are released in line with lender and equipment settlement requirements.

Eligibility criteria

To be considered for equipment finance, eligibility will depend on your circumstances and the type of equipment being purchased. We assess this upfront before you proceed.

  • Be at least 18 years of age
  • Hold Australian citizenship or permanent residency (or acceptable visa status)
  • Have a regular source of income
  • Meet lender credit and affordability requirements
  • Equipment details that meet lender criteria (type, age, and condition)
Apply now
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Documents required

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Proof of identity
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Income verification
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Bank statements (if required)
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Equipment or purchase details

Frequently asked questions

Answers to common questions about equipment finance and the application process.

Do I need a deposit for equipment finance?

No deposit is required if you own property. If you’re renting or boarding, some lenders may require a deposit of around 10–20%, or an equivalent trade-in. Applicants with established finance history may also have no-deposit options available.

Can I apply for equipment finance if I’m on a visa?

In some cases, yes. Eligibility will depend on your visa type, length of stay, income, and lender requirements. We’ll assess your situation upfront and advise what options may be available.

What if I have bad or limited credit history?

Having bad or limited credit doesn’t automatically rule you out. Some lenders may still consider applications based on your current financial position, business history, and the type of equipment being financed.

What interest rates apply to equipment finance?

Interest rates vary depending on the lender, finance structure, credit profile, and equipment details. We don’t advertise fixed rates, as suitable options depend on individual circumstances. We’ll explain any available options clearly before you proceed.

Will applying for equipment finance affect my credit score?

Our initial pre-assessment does not impact your credit file. If you choose to proceed and a formal application is submitted, the lender may conduct a credit check, which can affect your credit score. We’ll explain this before anything is lodged and only proceed with your permission.

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