Equipment Finance Australia
Get the equipment you need without the upfront hit to cash flow. Finance machinery, plant and tools across any industry.
What is a equipment finance?
The right equipment can transform your productivity, but paying for it outright can cripple your cash flow. Equipment finance lets you acquire machinery, plant, tools and technology while spreading the cost over time, often with the equipment itself serving as the security.
Business Loans Broker compares more than 50 Australian lenders to find the most suitable structure, whether that's a chattel mortgage, lease or rental, for new or used equipment across any industry.
With fast approvals and a free brokerage service, you can keep your capital working in the business while you put the equipment to use.
Who it's for
- Businesses buying machinery, plant or tools
- Companies upgrading IT or specialised equipment
- Owners wanting to preserve cash flow on big purchases
- Operators financing new or quality used assets
- Businesses across trades, manufacturing, medical and more
Eligibility — what you'll typically need
- A registered ABN (and GST registration for larger amounts)
- Generally 6+ months trading (startup options available)
- Recent business bank statements or BAS
- Australian resident or citizen
Why choose this finance with us
Any Equipment
Finance machinery, plant, tools, IT and specialised gear.
Protect Cash Flow
Spread the cost over time instead of a large upfront outlay.
New or Used
Fund brand-new equipment or quality second-hand assets.
Flexible Structures
Chattel mortgage, lease or rental to suit your tax and cash flow.
50+ Lenders
We compare the market for competitive equipment finance.
Free Service
No cost to you — the lender pays our commission.
From enquiry to funded in 4 steps
Tell Us the Asset
Share what equipment you want to finance and its cost.
We Compare
Our brokers match you with the most suitable equipment lenders.
Choose a Structure
We explain chattel mortgage, lease and rental so you choose wisely.
Put It to Work
Accept an offer and get your equipment, often within 48 hours.
One application. 50+ lenders. Better outcome.
With Business Loans Broker
- Compare 50+ lenders with one application
- A specialist negotiates on your behalf
- Unsecured & low-doc options the banks won't offer
- Soft check — no credit-score impact to compare
- Free service, funded in as little as 24 hours
Going direct to one bank
- One product, one set of rules
- You do all the legwork and chasing
- Often weeks of back-and-forth
- A decline can dent your credit file
- Limited flexibility on structure
What our clients say
"We needed a second excavator before the wet season hit and the bank wanted weeks of paperwork. The team here had $145k in equipment finance approved in three days so we didn't miss the contract."
"As a sole trader sparky I never thought I'd get finance on a new ute without endless hassle. Got the vehicle finance sorted with a rate better than the dealership offered."
"Our cafe had a brilliant winter but cash flow was always tight waiting on the quieter months. The working capital facility they arranged smoothed everything out and we finally opened the second location."
"Honestly thought my credit history would shut every door. They listened, found a lender who looked at where my business is now rather than three years ago, and got me $60k."
"Invoice finance changed how we operate. Instead of chasing 60-day terms from the big retailers, we draw down against the invoices and pay our growers on time, every time."
"I had four separate business debts at different rates and it was doing my head in. They consolidated the lot into one manageable repayment and I'm saving close to $900 a month."
"Opening a dental practice meant funding fit-out, chairs and imaging gear all at once. They structured the lending around my situation as a medical professional and the whole thing was painless."
"We took on a franchise and the upfront fees were daunting. The broker walked us through the lender requirements step by step and we settled on time without any last-minute drama."
"Quick, no fuss merchant cash advance against our card takings. Money was in the account inside 48 hours and we used it to stock up before the Christmas rush."
Equipment Finance — your questions answered
Almost any business asset — machinery, plant, tools, medical and IT equipment, fit-outs and specialised gear, whether new or used.
With a chattel mortgage you own the asset and finance it; a lease lets you use it for a term. Each has different tax and cash flow effects, which we'll explain.
Yes. Quality second-hand assets can be financed, though terms may vary with the equipment's age and type.
Usually yes. The asset typically secures the finance, which often means competitive rates without needing other collateral.
Yes. We are paid by the lender, so comparing equipment finance costs you nothing.
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