Stage 1 · Equipment and asset finance
Your first truck, ute or machine, financed properly.
Income-producing equipment should pay for itself. We structure the term, balloon and lender so repayments fit your cashflow, and leave room for what you will need next.
Who it’s for
Tradies, transport operators, contractors and manufacturers buying their first or next piece of equipment, new or used.
What we finance
- Trucks, utes and commercial vehicles
- Excavators, plant and machinery
- Fit-outs, technology and medical equipment
- Chattel mortgage, finance lease and hire purchase
- Refinancing existing equipment loans
How we approach it
- Matched to the assetTerm and balloon set against the working life of the equipment, not the lender's default.
- Room for the next loanSized so today's repayments don't eat the capacity you'll want for working capital or premises.
- 60+ lenders comparedMajor banks, specialist asset financiers and non-bank lenders compared for rate, speed and terms.
The numbers behind it
Cashflow forecasts & projections
Buying equipment for a new contract? A forecast built on current trading shows the lender how the asset pays its way.
Questions
What can I finance with equipment finance?
Most income-producing assets: trucks, utes and trailers, excavators and plant, manufacturing machinery, medical and dental equipment, fit-outs and technology. New or used, from a dealer or a private sale.
Chattel mortgage, finance lease or hire purchase?
A chattel mortgage gives your business ownership from day one and is the most common choice. A finance lease or hire purchase is structured differently for tax and GST. We settle the right one with your accountant before you sign.
Do I need a deposit?
Many lenders will fund the full purchase price for an established business with a clean credit history. Newer businesses or specialised equipment may need a deposit. We compare lenders on what they will lend, not just the rate.
Should I take a balloon payment?
A balloon lowers your repayments but leaves a lump sum at the end. We set it against the working life and resale value of the asset, so you are not left refinancing something worth less than you owe.
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Next on the journey
Cashflow that keeps pace