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FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.
30-second check. No impact on your credit score.
Choose your industry
Choose the category that best describes your finance requirement.
Transport & Logistics
Farming & Agriculture
Construction & Earthmoving
Other
Submitting this form does not lock you into finance.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Excavators & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
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Skid Steers & Access Equipment
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Higher approval rates for specialised equipment
Our specialist lenders understand your industry, delivering faster approvals so you can secure essential equipment without unnecessary delays.
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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 cash flow so your business stays stable and ready to grow.
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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.
Transport and Logistics
No deposit options
Low doc
Non property owners
Finance that preserves cash flow, gives fast access to essential equipment, reduces financial risk, and keeps your fleet moving efficiently while supporting uninterrupted operations.
Assets we finance :
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Prime movers and heavy trucks
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Trailers and semi-trailers
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Refrigerated transport units
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Box trucks and rigid trucks
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Curtain side trailers and flatbed trailers
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Tankers for fuel or liquids
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Light commercial vehicles such as vans and utes
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Forklifts and material handling equipment
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Utility trailers and support vehicles
Farming & Agriculture Equipment
Any-age asset finance
Refinance and upgrade solutions
Seasonal and structured finance
Flexible finance designed for seasonal cash flow, giving fast access to essential machinery and equipment while supporting productivity and operational efficiency throughout the year.
Assets we finance :
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Tractors and agricultural machinery
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Combine harvesters and balers
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Ploughs, seeders, and sprayers
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Loaders, skid steers, and access machinery
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Livestock transport vehicles
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Fodder and feed preparation machinery
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Farm utility vehicles (utes, ATVs, small trucks)
Construction & Civil Equipment
Any-age asset finance
Refinance and upgrade solutions
Seasonal and structured finance
Keep your projects on schedule and your crews productive with flexible finance for reliable machinery. Scale across multiple sites and equipment needs with solutions designed to support ongoing operations and reduce downtime.
Assets we finance :
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Excavators and backhoes
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Loaders and skid steers
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Cranes and hoists
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Concrete mixers and pumps
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Compactors and rollers
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Forklifts and material handling machinery
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Trucks and site vehicles
Earthmoving & Mining Equipment
Any-age asset finance
Refinance and upgrade solutions
Seasonal and structured finance
Keep your operations productive with finance designed for heavy machinery. Access the equipment you need quickly, reduce financial risk, and maximise efficiency across mining sites and earthmoving projects.
Assets we finance :
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Excavators and backhoes
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Loaders and skid steers
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Cranes and hoists
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Concrete mixers and pumps
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Compactors and rollers
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Forklifts and material handling machinery
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Trucks and site vehicles
HOW THE PROCESS WORKS
Clear Terms. No Unnecessary Complexity. Fast Outcomes.
A straightforward path designed to move you from application to approval quickly.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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Financing
Secured
Your finance broker will work with you to source the best funding offers available and guide your application to success.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
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.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
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Quick quotes, fast approvals
How quickly can I get 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’s sold.
Do I need property security to get approved?
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.
Can you finance older trucks or machinery?
Yes. Unlike many banks, we do not apply strict age limits. Approval depends more on asset quality, condition and earning capacity.
What industries do you specialise in?
We specialise in transport and logistics, construction, civil, earthmoving, mining, agriculture and other equipment-reliant industries.
How much deposit do I need?
Deposit requirements vary, but no-deposit options are available for eligible applicants.
Can repayments be structured around seasonal income?
Yes. We offer flexible repayment structures designed around seasonal, contract-based or uneven cash flow cycles.
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.
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.
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.
I’m self-employed and don’t 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.
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805