Can I finance used or private-sale equipment?

Yes. Used equipment is standard fare, and private sales just need a written valuation (sometimes an inspection) so the lender knows what they're lending against. We do them often — tell us what you're buying and from whom.

How much can I borrow for equipment?

It's driven by the gear and the business behind it more than a set limit — we've settled equipment deals from around $15K to well past $500K. If the equipment earns and the file stacks up, the number usually finds itself.

Do I need a deposit for equipment finance?

Not always. Strong files get zero-deposit approvals; newer businesses or riskier assets may be asked for 10–20%. We'll tell you straight which side of that your deal falls on.

Is the interest tax-deductible?

For gear used to earn business income, the interest and depreciation generally are — but that's an accountant question, and we'll say so. We structure the finance; your accountant confirms your position.

What's the smallest equipment deal you'll do?

Roughly $10–15K minimum. Below that the paperwork usually outweighs the benefit, and we'll tell you if a plain cash purchase makes more sense.

Finance

Equipment finance for business, without the runaround.

Business equipment finance — workshop gear, ag implements, IT, medical and hospitality equipment. New or used, dealer or private sale. 24-hour approvals, Brisbane-based, Australia-wide.

Equipment is how a business grows — but tying up cash in a machine that earns it back over three years rarely makes sense. Equipment finance spreads the cost across the work the equipment actually does, and when it's structured right, the repayments just become part of the job's numbers.

We fund everything from a $15K welder to a half-million-dollar production line. One broker, 40+ lenders, and a preference for answers you can act on today.

What counts as equipment

If a business earns with it, a lender will usually lend against it.

Workshop and trade equipment — welders, compressors, tooling
Agricultural implements and farm plant
IT and technology — servers, fitouts, software-adjacent hardware
Medical, dental and allied-health equipment
Hospitality and food-processing gear
Fitness, cleaning, printing — most industries, honestly

New, used, or second-hand from a mate

New gear from a dealer is the simplest deal in the book. Used gear from a dealer is barely harder. Private sales — including that machine your mate's neighbour is selling — take a valuation and a bit of care, and we handle them regularly.

Auctions count too. If you're bidding at a clearing sale or an online auction, talk to us first so your finance is sorted before the hammer falls, not after.

How the money is structured

Most equipment deals are chattel mortgage or hire purchase, with leases and rentals suiting certain setups. Terms generally run 12 to 60 months depending on the asset's working life. Balloons and residuals are available when they help.

The right structure depends on your GST registration, your tax position and how long the gear stays useful. We'll give you the two-sentence version of each so you can choose with your accountant, not after the fact.

The numbers, straight

Repayment rates on asset finance typically sit a few points above the RBA cash rate — exactly where depends on the gear, your file and the lender. We come back with real numbers from a real lender, not a calculator guess, usually within 24 hours of seeing the deal.

Getting started

It starts the same way every time: what's the gear, roughly what's it cost, and what's it doing for the business. Two minutes on the phone or the form, and we're working on it.

What's the gear, and what will it do for the business? Tell us in a sentence.

Average response under 2 hours during business hours.

Call 0410 817 873 Start your quote

FAQ