Asset & Trade Finance
Equipment finance.
Finance for the specialised equipment a business runs on — medical, manufacturing, hospitality, technology — secured against the equipment itself.
Overview
How it works.
Equipment finance funds the specialised equipment a business depends on — medical and dental gear, manufacturing and production machinery, commercial kitchen and hospitality fit-out, IT and technology infrastructure. Like asset finance, the equipment itself is the security, so the business doesn't have to tie up property to get the loan. The difference is in the specialisation. A high-value diagnostic machine, a CNC line and a restaurant fit-out are three completely different propositions to a lender — some understand a particular industry's equipment well and price it accordingly, others apply a generic policy and either decline it or price it expensively. We know which lenders genuinely understand each category, and that's where we take it. The finance itself can be a chattel mortgage, lease or rental — depending on how your business wants to treat the asset. Both new and used equipment can usually be funded. We keep the approval moving so the equipment is earning for the business as soon as possible.
Key Details
- Loan size
- $10,000 – $20M+
- Loan term
- 1 – 7 years
- Structure
- Lease, chattel mortgage or rental
- Asset condition
- New or used
- Security
- The financed equipment
Use Cases
When this product fits.
01 / 03
Medical and dental equipment
Funding diagnostic, surgical or dental equipment for a practice — high-value gear that needs a lender who understands it.
02 / 03
Manufacturing and production plant
Financing production-line machinery or plant so a manufacturer can lift capacity or take on a larger contract.
03 / 03
Technology and fit-out
Funding IT infrastructure, hospitality fit-out or other industry-specific equipment as a clean, asset-backed facility.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
They overlap closely — both fund a tangible asset and are usually secured against it. Equipment finance leans toward specialised, industry-specific gear, where which lender you go to matters more because not every lender understands or prices that equipment well.
Yes — that is the core of this product. The key is matching the equipment to a lender that genuinely understands it. A lender familiar with medical or manufacturing equipment will assess and price it far better than one applying a generic policy.
Often, yes, though appetite varies by lender and by how old and specialised the equipment is. We know which lenders are comfortable with used gear in each category.
Each carries different ownership and tax treatment. A lease or rental keeps the asset off the balance sheet; a chattel mortgage means you own it. Your accountant advises on the right treatment for your business — we structure the finance to fit it.
Often the financed amount can include delivery, installation and commissioning costs alongside the equipment itself, depending on the lender. We confirm what can be wrapped in when we structure the deal.
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Ready?
Let's structure your equipment finance.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.