ABN Only Finance | Equipment & Trucks

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

Finance type

Loan amount

Enter the approximate amount you’d like to finance.

Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

0% 60%

Percentage of the loan left owing as a final lump-sum (balloon / residual).

Estimated repayments

Monthly repayment

$0.00

Approx. weekly

$0.00

Loan amount $0.00

Interest rate 0.00% p.a.

Term 0 months

Balloon / residual $0.00

Total repayable (incl. balloon) $0.00

Estimated interest over term $0.00

This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

Equipment finance using your ABN as the primary qualification. If you have an active ABN, a clean credit history, and a business purpose for the equipment, you may qualify for finance without providing tax returns or financial statements. Designed for new businesses, startups, and operators transitioning from employment.

Check Eligibility Now Get Pre-Approved

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.

$50M+ in equipment financed

3x faster decisions than major banks

Dedicated support to find the best solutions

ASIC licensed & regulated

ABN ONLY FINANCE

Equipment Finance When Your ABN Is All You Have

ABN only finance is not a shortcut around proper assessment. Lenders still evaluate your creditworthiness. The difference is they accept your ABN registration, clean credit file, and relevant experience as evidence of your capacity to repay, rather than demanding years of financial documentation you do not yet have.

Starting a business or recently registered your ABN? Banks want two years of trading history, lodged tax returns, and accountant prepared financials before they will consider your application. We work with lenders who take a different approach, assessing your application based on your ABN, credit history, industry experience, and the equipment you are purchasing.

Trucks

Semi-Trailers & Trailers

Refrigerated trucks

Excavators & Loaders

Cranes & Site Machinery

Trailer Trucks

Tractors & Harvesters

Yellow Goods

Skid Steers & Access Equipment

Your credit history matters most

With limited trading history, your personal credit file becomes the primary assessment tool. Clean credit with no defaults or late payments significantly improves your chances and rate.

Industry experience counts

A new ABN does not mean a new operator. If you have years of experience driving trucks, operating excavators, or running machinery, lenders recognise this as evidence of your capability.

The asset is your security

Lenders are lending against the equipment, not just against you. A new truck from a major brand is lower risk than an old machine from an unknown manufacturer. Asset choice affects approval.

Work contracts strengthen applications

If you have a subcontract, letter of engagement, or confirmed work pipeline, this significantly strengthens your ABN only application by demonstrating future income.

Get Pre-Approved Today

First prime mover for owner drivers
Rigid trucks for delivery businesses
Tippers for new earthmoving businesses
Trailers bundled with trucks
Vans for courier startups
Utes for trade businesses

Mini excavators for new contractors
Skid steers and loaders
Telehandlers and forklifts
Small cranes and access equipment
Concrete equipment
Site vehicles and support

Tractors for new farming operations
Implements and attachments
Livestock equipment
Farm vehicles
Irrigation systems
Fencing and yard equipment

Manufacturing machinery
Workshop equipment
Commercial kitchen equipment
Medical and dental equipment
IT and technology
Retail and hospitality fitouts

HOW THE PROCESS WORKS

How ABN Only Approval Works

A straightforward process from enquiry to approval.

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 brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.

Get Pre-Approved
Over the Phone

Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.

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.

Get a Quote Like This

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

Get a Quote Like This

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.

Get a Quote Like This