What We Offer
At FinanceEquipment.com.au we work hard to ensure our clients obtain the best, most applicable commercial finance for their needs. We are paid directly by the lenders at settlement, so our services to you are completely free of charge. And because payment rates are equivalent between lenders, we remain independent — we only recommend solutions that benefit you.
Industry Finance
Whether you operate a single truck or a fleet of prime movers, we have the lender relationships and industry knowledge to secure the right finance for your transport business. We understand the specific needs of the transport sector — including turnaround times, seasonal cashflow requirements, and the importance of keeping your fleet on the road.
We finance prime movers, rigid trucks, trailers, light commercial vehicles, buses and coaches. Our experience in this sector spans more than two decades, and many of our clients in the transport industry have been with us since the very beginning.
Get a QuoteEquipment Finance
From small tools to large and complex machinery, we source competitive finance packages for any business equipment purchase. We look beyond the headline interest rate to ensure your finance is structured in the most cashflow-appropriate way for your business.
We work with a wide range of lenders to ensure we find the right match for your specific equipment type, industry and financial position — whether you are a small business, a trade, or a larger commercial operation.
Get a QuoteVehicle Finance
Car loans and fleet finance for business purposes, structured to optimise your tax position. Whether you need a single vehicle or are building a fleet, we select the right loan structure — chattel mortgage, finance lease, novated lease or commercial hire purchase — based on your needs, your accounting method and your circumstances.
Get a QuoteRural Finance
Our principal, Chris George, grew up on rural properties in country New South Wales and retains a deep understanding of rural Australia and the financing needs of primary industry. Many of his longest-standing clients are in the agricultural and rural sectors.
We understand the seasonal nature of rural cashflow and work with our lender panel to structure repayments and terms that align with how agricultural businesses actually operate.
Get a QuoteManufacturing Finance
Manufacturing businesses require specialist finance solutions — large equipment values, complex machinery, long useful lives, and lenders who understand the sector. We have the industry relationships and product knowledge to source the right finance for manufacturing plant and equipment.
We regularly work with businesses across a wide range of manufacturing industries and understand how to present these transactions to lenders in the most favourable light.
Get a QuoteFinance Structures
We select the right loan structure for your needs. Here are the main options available to commercial borrowers.
The most common business finance structure. You own the asset immediately, with the lender taking a security interest. GST is claimed upfront, and interest and depreciation are generally tax deductible.
The lender owns the asset and leases it to you for an agreed term. Lease payments are fully tax deductible as an expense. Often suited to businesses that want to upgrade regularly.
You hire the asset from the lender with the option to purchase at the end of the term. Similar to a chattel mortgage but with different accounting treatment.
An off-balance-sheet option suited to equipment with a high residual value or where you want the flexibility to return the asset at the end of the term without obligation.
A three-way arrangement between employer, employee and lender, allowing employees to salary-package a vehicle and reduce their taxable income.
Spread the cost of business insurance premiums over fixed monthly instalments. No additional security required in most cases; terms typically 6–18 months. Interest may be deductible.*
Usually shorter-term loans that don't require security against an asset. Suited to businesses needing fast access to working capital without pledging equipment or property.
Releases funds tied up in unpaid invoices to enhance cashflow. Rather than waiting 30–90 days for payment, you access the majority of the invoice value immediately.
Funding to assist with importing assets or goods. Bridges the gap between placing an order with an overseas supplier and receiving the goods or generating revenue from them.
* Speak with your accountant or tax adviser to understand what deductions may apply to your business.
Not sure which structure is right for you? Call us and we'll explain your options — for free.
Why Choose Us
When applying for equipment loans or any commercial finance, we take care of everything — and it costs you nothing.
We search across major banks and specialist lenders simultaneously — you get the best market options without making multiple applications that can affect your credit file.
We handle applications, paperwork, lender communications and negotiations. You focus on your business while we manage the finance process from start to finish.
We are remunerated equally across comparable products from all our lenders, so our advice is never influenced by which lender pays better. Your interests come first, always.
Our remuneration comes from the chosen lender at settlement. Our advice, expertise and time come at zero cost to you — no fees, no charges, no catches.
Call 02 9457 0869 or send an enquiry — obligation free, completely at no cost.