Truck and Equipment Financefor Australian Businesses.
Finance specialists for ABN holders. One application, compared across a wide panel of lenders for the options that fit your situation, without the shopping around.
- Pre-approval in as little as 24 hours
- No deposit options
- No property security needed
- Honest advice, no pressure
30-second check. No impact on your credit score.
Choose Your Industry
Choose the category that best describes your finance requirement.
No obligation. Soft credit check only.
Finance for Businesses That Need Equipment to Operate
If your business relies on equipment to earn income, this finance is built for you. We work with operators who need trucks, machinery and commercial assets to grow, replace or upgrade their equipment.
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Skid Steers & Access EquipmentTrucksSemi-Trailers & TrailersRefrigerated TrucksExcavators & LoadersCranes & Site MachineryTrailer TrucksTractors & HarvestersYellow GoodsSkid Steers & Access EquipmentThe Asset Your Business Needs Won't Stay on the Market Forever.
Old equipment breaks down when you need it most, and turns away work you could be taking. Upgrading means more capacity, more contracts, and steady income instead of costly downtime. The finance should not be what slows you down.
For Transport Operators
For Farmers & Agribusiness
For Construction & Civil Crews
For Earthmoving & Mining Operators
For Commercial Vehicle OperatorsFast Pre-Approvals. Flexible Structures. Industry Specialists.
We are not another bank offering one-size-fits-all loans. We specialise in equipment finance built around your industry.
Higher pre-approval rates for specialised equipment
Our specialist lenders understand your industry, delivering faster pre-approvals so you can secure essential equipment without unnecessary delays.
We move quickly so you do not miss opportunities
Traditional lenders can take weeks. We offer fast, streamlined assessments so you can secure essential equipment before opportunities disappear.
Repayments structured to match your income cycle
Project cycles and uneven income can strain fixed repayments. We tailor finance to your income cycle so your business stays stable and ready to grow.
Support for self employed and non standard profiles
We provide finance for self-employed operators and non-standard profiles, helping you secure equipment without traditional lender restrictions.
The Industries We Know Inside Out
We provide flexible finance for a wide range of income-producing machinery and equipment across key industries, with no restrictions based on the age of the asset.
Transport & Logistics
Finance that preserves your income cycle and keeps the fleet moving.
Prime movers, rigids, trailers, refrigerated units, tankers, vans and utes.
Farming & Agriculture
Flexible finance built around seasonal income cycles.
Tractors, harvesters, balers, seeders, sprayers, loaders and farm utes.
Construction & Civil
Keep projects on schedule with finance for reliable machinery.
Excavators, backhoes, skid steers, cranes, mixers, rollers and site vehicles.
Earthmoving & Mining
Heavy machinery finance for civil and mining operations.
Graders, dozers, loaders, dump trucks, drilling and screening equipment.
Clear Terms. No Unnecessary Complexity. Fast Outcomes.
A straightforward path designed to move you from application to pre-approval quickly.
Complete the Form in 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
Speak With an Industry Specialist
Your finance specialist assesses your requirements and guides you through gathering the right documents to secure pre-approval quickly.
Get Pre-Approved Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your income cycle.
Financing Secured
Your finance specialist will work with you to source the best funding offers available and guide your application through to settlement.
Real Results for Real Businesses
See how Australian operators are getting the assets they need, even with complex profiles.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
Business use
Finance solutions tailored to how your equipment supports daily business operations.
Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
Repayment capacity
Repayment plans structured around your income cycle and business revenue.
30-second check. No impact on your credit score.
What Our Clients Have to Say
Rated 5.0 on Google by Australian business owners for fast pre-approvals, flexible terms and exceptional service.
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Ready to Apply?
Complete the details below to fast-track your finance application.
Business Details
Contact Information
Asset InformationFinance Specialists in Your Corner
Equifund Financial Group is a team of Australian commercial finance specialists based in Bondi Junction, Sydney, holding Australian Credit Licence 389328 and working with ABN holders nationwide. We arrange finance for the trucks, machinery and vehicles that keep businesses earning, comparing every application across a wide specialist lender panel.
Have Questions?
Straight answers to the questions Australian business owners ask most.
How does equipment finance work?
Equipment finance lets an Australian business buy income-producing assets such as trucks, machinery and commercial vehicles and pay for them over time, with the equipment itself usually acting as security. You choose the asset, a finance specialist like Equifund compares your application across a wide panel of specialist lenders, and once settled the lender pays the seller while you make regular repayments. Common structures include a chattel mortgage and hire purchase.
Do you offer business loans or cash flow finance?
Our focus is equipment and asset finance: loans secured by the truck, machine or vehicle being purchased. We do not arrange unsecured working capital, cash flow lending or general business loans. If your business needs equipment to earn income, we are the right fit.
How quickly can I get pre-approved for equipment finance?
Pre-approvals can often be issued within 24 hours, depending on your business profile and documentation. We prioritise fast decisions so you can secure the asset before it is sold.
Will applying affect my credit score?
An initial eligibility check does not impact your credit file. A formal credit enquiry is only completed once you proceed with a full application.
How much deposit do I need?
Deposit requirements vary, but no-deposit options are available for eligible applicants.
Do I need property security?
No. Most equipment finance solutions are secured against the asset itself, meaning you typically do not need to provide property as additional security.
Can I get finance with a new ABN?
Yes, in some cases. While longer trading history strengthens applications, we work with lenders who consider newer businesses, especially where contracts or strong income evidence exist.
Is low doc equipment finance available?
Yes. Low documentation options are available for eligible businesses, reducing the paperwork required compared to traditional bank applications.
I am self-employed and do not fit bank criteria. What are my options?
Self-employed operators are commonly declined under standard bank policies. We offer low doc and flexible assessment options designed for business owners, contractors and non-standard profiles.
Will a previous rejection affect my chances?
Not necessarily. Many businesses we assist have been declined by major banks. With access to a broad lender panel, we can often structure solutions that traditional banks cannot offer.
Can you finance older trucks or machinery?
Yes. Unlike many banks, we do not apply strict age limits. The decision depends more on asset quality, condition and earning capacity. If you are weighing up a truck purchase, our guide to the best truck finance options in Australia compares the structures side by side.
What types of assets can be financed?
We finance a wide range of income-producing assets including trucks, trailers, excavators, tractors, harvesters, plant machinery, commercial vehicles and specialised equipment.
What industries do you specialise in?
We specialise in transport and logistics, construction, civil, earthmoving, mining, agriculture and other equipment-reliant industries.
Can repayments be structured around seasonal income?
Yes. We offer flexible repayment structures designed around seasonal, contract-based or uneven income cycles.
How much can I borrow for equipment finance?
There is no fixed cap. Borrowing capacity depends on the asset, your business income and the lender, with facilities ranging from a single machine to multi-asset fleet packages. Your specialist confirms what your profile supports before anything is submitted.
How long are equipment finance terms?
Most equipment finance terms run between two and seven years. Shorter or longer structures, and balloon or residual options, may be available depending on the asset and lender.
Is equipment finance tax deductible?
Often parts of it are. With a chattel mortgage, for example, interest charges and depreciation may be claimable for the business-use portion of the asset. Every business is different, so confirm the tax treatment with your accountant before choosing a structure.
What is a chattel mortgage?
With a chattel mortgage you own the asset from day one while the lender holds a mortgage over it until the loan is repaid. It is the most common structure for trucks and machinery.
What is hire purchase?
With hire purchase the lender owns the asset while you hire it for a fixed term, and ownership transfers to you once the final payment is made.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for your circumstances and seek independent advice before making financial decisions. Equifund Financial Group, Australian Credit Licence 389328.