Equipment Finance
Finance for forklifts, manufacturing machinery, generators, drones and everything else your business needs to operate
Equipment finance covers the assets that keep Australian businesses running.
From forklifts and CNC machines to generators, surveying instruments and commercial drones, we arrange funding across every equipment category.
With access to 50+ lenders and direct relationships with credit teams, we match your purchase to the right funder for fast approvals, whether you're buying new from a supplier, used from a dealer, or picking something up at auction.
Our Lenders
What Equipment Finance We Provide
We arrange finance across every major category of business equipment used in Australian industry. Each equipment type has its own lending landscape. Lender appetite, age policy and approval criteria vary significantly depending on the asset, so matching the right lender to your specific purchase is where an equipment finance broker adds the most value.
Forklifts and Materials Handling
Counterbalance forklifts, reach stackers, order pickers, pallet jacks and container handlers. New and used, electric, LPG and diesel units from all major brands including Toyota, Crown, Hyster, Linde and Jungheinrich. Forklifts are the most commonly financed equipment asset on our panel and carry strong lender appetite across the full age range. For new businesses, a forklift is often the most achievable first equipment purchase on finance. Read more about forklift finance
Manufacturing Equipment
CNC machines, lathes, milling machines, laser cutters, plasma cutters, press brakes, injection moulding machines, edge banders, panel saws, machining centres, packaging lines and processing equipment. Manufacturing equipment is where the business case matters most, because resale markets are thin and lenders lean heavily on your trading history and financials, particularly above $150,000. The right lender selection can be the difference between a decline and a clean approval on specialised manufacturing plant. Read more about manufacturing equipment finance
Mining Equipment
Mining specific plant, drilling rigs, screening and crushing equipment, rock breakers, conveyors and mine specification vehicles. Our mining equipment finance is tailored toward smaller mining operations, quarry operators and mining service contractors. Larger mining companies typically have tier 1 institutional banking relationships in place. For smaller operators, lender appetite depends heavily on the contract book behind the equipment and the resale market for the specific asset. We work with funders who understand this space and can structure approvals around project timelines. Read more about mining equipment finance
Generators and Power Equipment
Generators, compressors and power equipment spanning construction, mining, events and backup power applications. From portable diesel gensets for construction sites through to large industrial standby units for warehouses, data centres and aged care facilities. Brands like Cummins, Caterpillar, Atlas Copco, Kubota and Denyo. Pricing ranges from $5,000 for a small portable unit through to $500,000 or more for large industrial generators, with lender appetite varying based on whether the unit is portable, standby or permanently installed. Read more about generator finance
Surveying Equipment
Total stations, GNSS and RTK systems, robotic total stations, 3D laser scanners, field controllers and survey grade drones with LiDAR payloads. Civil engineering firms, land surveyors and construction companies rely on this equipment daily, and the technology moves fast. Pricing runs from $5,000 for a basic GPS kit through to $150,000 or more for a high specification 3D scanner. Most purchases come through authorised dealers (Leica, Trimble, Topcon, Carlson) and software licences can often be bundled into the same finance facility. Read more about surveying equipment finance
Commercial Drones
Commercial drones for surveying, mapping, agriculture, infrastructure inspection and film production. This is not consumer drone territory. Agricultural spraying drones like the DJI Agras T100 ($30,000+) and XAG P150 Max ($28,000+) are serious commercial assets, and survey drones with LiDAR payloads regularly exceed $40,000 to $80,000 as a package. Drone finance works best when the aircraft, payload, batteries, software and accessories are bundled into a single facility. We work with lenders who understand commercial drone technology and can approve these as income producing equipment. Read more about drone finance
Construction and Site Equipment
Scissor lifts, boom lifts, elevated work platforms, compaction equipment, lighting towers, concrete equipment, laser screeds and site accommodation. Lender appetite is solid on recognised brands with a resale market and thinner on specialised or older gear, so lender selection does the heavy lifting in this category. If you are looking for excavators, dozers or loaders, those sit under machinery finance with dedicated pages for each asset type.
How Equipment Finance Works
Equipment finance works differently to machinery finance, and understanding the difference saves you time and money. Heavy machinery like excavators and dozers has deep resale markets, so lenders are comfortable lending against the machine itself. Most business equipment does not have that. A CNC machine or a packaging line is worth a lot to the business running it and much less to anyone else. That changes how lenders assess the file.
With equipment, lenders put more weight on the business behind the purchase. Time trading, revenue, industry, and on bigger tickets your full financials. The same borrower can get an easier approval on a $150,000 excavator than a $150,000 production line, purely because of how each asset holds value on the secondary market. This is why matching the lender to the asset type matters so much in this category. Some funders are sharp on materials handling, others are strong on manufacturing plant, and plenty will not touch specialised gear at all.
Most equipment finance is written as a chattel mortgage. You own the equipment from day one, the lender takes security over it, and repayments run over a fixed term, typically three to five years. Because most equipment does not carry strong resale value at the end of the term, the majority of these files amortise to zero rather than running a balloon payment. Finance leases and hire purchase agreements are also available depending on your tax position and how you want to treat the asset on your balance sheet.
For higher value or specialised equipment, lenders may require a formal valuation, particularly on used assets or private sales. We manage the valuation process and know which valuers each lender accepts, which avoids delays and double handling.
Who Equipment Finance Is For
Equipment finance is available to any Australian business purchasing assets to operate or grow. The most common profiles we work with include:
Established businesses upgrading or expanding their equipment. If you have been trading for two or more years with clean credit, you will have access to the widest lender panel and the sharpest pricing. Most files under $150,000 can be approved on a low doc basis with bank statements and a current BAS.
New businesses and startups purchasing their first equipment. Lender appetite is tighter for new ABNs because the equipment does not carry the file the way a $200,000 excavator would. Forklifts are the friendliest entry point. Beyond that, a deposit, director property backing, or an accountant letter supporting the business case opens doors with the right funders. We know which lenders assess new businesses on potential rather than just time trading.
Businesses with complex credit situations. Prior defaults, director judgments, or unusual structures do not automatically mean a decline. It means the lender selection matters more. We work with non bank funders who assess applications on the full picture, not just a credit score.
Contractors and operators buying used or imported equipment. Used equipment and private sales require more lender matching than a straightforward new purchase from a dealer, particularly on specialised gear. We handle the valuation, vendor verification, and security paperwork that makes these files work.
Why Use an Equipment Finance Broker
Going direct to a bank for equipment finance means you get one lender's policy applied to your file. If that policy does not fit your asset type, your credit profile, or the age of the equipment you are buying, you get a decline and a hard credit enquiry on your record. That enquiry makes the next application harder.
An equipment finance broker works differently. We assess your file first, identify the two or three lenders whose policy fits your specific situation, and submit to the one most likely to approve at the best rate. If the first option does not work, we resubmit to the next without additional credit enquiries hitting your file.
This matters more in equipment finance than almost any other lending category. Lender appetite varies dramatically by equipment type. A funder who is aggressive on forklifts might have no appetite for CNC machines. A lender who funds generators all day might decline a commercial drone because they have never assessed one. We know which lenders want which equipment types, what age limits they apply, how they treat private sales, and what documentation they actually need. That knowledge is the difference between a clean approval and a wasted credit enquiry.
We also handle the operational work that slows files down: sourcing valuations from approved valuers, chasing vendor invoices, coordinating settlement with dealers and private sellers, and pushing back on credit teams when conditions are unreasonable. You focus on running your business. We manage the finance.
Get a Free Equipment Finance Quote
Tell us what equipment you need to finance and we will match your file to the right lender from our panel of 50+ funders. No obligation, no cost, no impact on your credit score.
Getting Equipment Finance
Step 1: Tell us what you need
Call us or fill out the form below with the equipment type, approximate value, and your business situation. No paperwork upfront. We assess lender fit before asking for a single document.
Step 2: We match you to the right lender
We identify the best lender for your specific equipment type and borrower profile from our panel of 50+ funders. We structure the application for approval, handle valuations if needed, and submit with a full credit narrative on complex files.
Step 3: Get approved and settled
Straightforward equipment finance files are typically approved within 24 to 72 hours. Complex files involving older equipment, private sales, or higher values are worked thoroughly with a proper credit narrative and structured for the specific lender. Settlement is coordinated directly with the dealer or vendor.
Frequently Asked Questions
What Our Clients Say About Us
Ready to Finance Equipment for Your Business?
Call us on 0416 960 969 or fill out the form below. We respond the same business day with an honest assessment of your options across 50+ lenders.