Equipment finance broker.
Finance for the specialised equipment a business runs on: medical, manufacturing, hospitality and technology. Secured against the equipment itself.
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.
- 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
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.
Equipment finance by industry
Lenders treat equipment very differently depending on the industry. A lender that knows the gear prices it better. Typical examples:
| Industry | Common equipment | What lenders look at |
|---|---|---|
| Medical and dental | Imaging, dental chairs, lasers, fit-out | Registration, practice income, the resale market |
| Construction and civil | Excavators, loaders, attachments | Contracts on hand, the machine's age and hours |
| Agriculture | Tractors, sprayers, harvesters | Seasonal income, the farm's other security |
| Hospitality | Commercial kitchens, coffee machines, fit-out | Trading history, the lease on the premises |
| Manufacturing | CNC machines, packaging lines, forklifts | Orders and contracts, how easily the gear resells |
| Technology | IT, servers, phone systems, solar | Short useful life, so often leased or rented |
Industry guides: medical equipment finance, excavator and construction equipment finance and farm equipment finance.
Lease, rental or chattel mortgage
A chattel mortgage means your business owns the equipment and claims depreciation and interest. A lease or rental means the lender owns it and you deduct the payments. Rental suits gear that dates quickly, like IT. Ownership suits gear you'll keep for years. Our asset finance page has the full side-by-side comparison. Your accountant should confirm the tax side.
Refinancing equipment finance
Equipment bought when the business was new is often on a high rate. Once you have two years of trading, the same machine can usually be refinanced on better terms. Every refinance starts with a written payout figure from your current lender. We then price the new loan and show you the numbers both ways. If staying put is cheaper, we'll tell you. Read how to refinance equipment finance for a worked example.
Used, private sale and imported equipment
Used equipment is fine with most lenders, within their age limits. Private sales work too. The lender checks that the seller owns the equipment outright and that any existing finance is paid out at settlement. Imported gear can be funded, but lenders want the shipping and compliance costs clear before they commit. This Adelaide equipment hire case study shows an importer funded after six months of trading.
What you'll need
- A tax invoice or quote showing the make, model and serial number
- Your ABN, and GST registration for most lenders
- Bank statements, or financials for larger amounts
- Details of any finance you already have
The full list is in our equipment finance document checklist.
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.
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.
Yes. Most lenders will refinance equipment that still has useful life left, and a business with two years of trading often qualifies for a lower rate than it got as a new ABN. Get the written payout figure from your current lender first, so you can compare the full cost of moving.
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.
Apply for equipment finance.
Three questions and your details. Our team calls you back. No call centre.
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