Helping business owners find the finance that fits.
From the trucks, trailers and machinery that earn your living to funding for the business itself, we match you with the right finance and the lenders who get it.
Built for operators the banks don't get.
Equifund Financial Group is an Australian commercial asset finance broker based in Bondi Junction, NSW. We are a broker, not a lender. We match businesses to specialist lenders Australia-wide. We started because too many good businesses were getting knocked back by lenders who did not understand how they actually make money. A profitable freight run or a booked-out excavator does not fit a home-loan checklist, and it should not have to.
Many of the operators we work with are creditworthy. They simply earn in a way a bank's template does not recognise. We know commercial assets and the lenders who fund them, so your business is assessed on how it really earns.
See how we do business →
We exist to back the operators who keep Australia working, with finance that fits the way they earn.
We match operators with lenders who understand how a working business earns, from a single truck to a full fleet.
Built for businesses that earn their own way.
If your income does not fit a standard payslip, these are the operators we work with every day.
Self-employed and sole traders
Profitable ABN businesses assessed on real trading, not a payslip.
Seasonal and project income
Earnings that rise and fall with the work, read against a full year, not a single month.
Newer ABNs with a track record
Judged on genuine trading and serviceability, not just years on the books.
Asset-backed operators
Income-producing gear that strengthens the deal and opens up more lender options.
The people behind Equifund.
Specialists who answer your questions.
An experienced broker who built Equifund around one principle: client service. Finance and accounting background, with Mortgage and Finance Broking accreditation.
Deep experience in financial services across Australia and the US. A Macquarie University graduate with a double major in Finance and International Business, and a commercial finance specialist.
A successful businessman who grew his own company into a multi-million dollar business over twenty years. He knows first-hand what running a business takes.
A Chartered Accountant who started at Ernst & Young over 25 years ago. Founder of the Finflex group and a board member of an energy business headquartered in Houston, Texas.
A generalist leader across marketing, product, legal and compliance, with an MBA and GAICD governance credentials. Appointed to the board of the Finance Brokers Association of Australia (FBAA) in 2020.
Finance built around how your industry earns.
We finance commercial and income-producing assets, including trucks, prime movers, trailers, excavators, earthmoving machinery and agricultural equipment. Choose your industry to see how we fund it, or read our equipment finance overview.
Transport & Logistics
Finance that preserves your income cycle and keeps the fleet moving.
Prime movers, rigids, trailers, refrigerated units, tankers, vans and utes.
Construction & Civil
Keep projects on schedule with finance for reliable machinery.
Excavators, backhoes, skid steers, cranes, mixers, rollers and site vehicles.
Earthmoving & Mining
Finance for the machines that move ground and keep sites productive.
Excavators, dozers, graders, wheel loaders, articulated dump trucks and mining support gear.
Farming & Agriculture
Flexible finance built around seasonal income cycles.
Tractors, harvesters, balers, seeders, sprayers, loaders and farm utes.
Freight & Haulage
Pre-approval for trailers, subject to lender assessment, so you are ready for the next job.
Flatbeds, tippers, refrigerated and enclosed trailers.
Trucks & Prime Movers
New and used prime movers and rigids, funded around your routes.
Prime movers, rigids, tippers, tautliners and vocational trucks.
Subject to lender assessment. $0 deposit applies to prime applications only.
We back the businesses that keep Australia moving.
One asset or a whole fleet, we arrange finance in every Australian state and territory, including NSW, Victoria, Queensland, Western Australia, South Australia, Tasmania, the ACT and the Northern Territory.
Just settledReasons businesses stick with us.
Six things that matter when you need finance sorted.
Specialists, not generalists
Commercial asset finance is our focus, so you are not explaining your industry from scratch.
Clear on structure
We explain how each structure works, so you know what you are agreeing to before you commit.
Straight talk, early
If a deal will not fly, we tell you at the start, so you are not left waiting on a maybe.
Structures that fit
Chattel mortgage, low-doc, seasonal and no-property-security options for eligible applicants, subject to lender assessment.
Your options, explained
We compare a wide panel and explain each option clearly, so you choose with the full picture.
Built for the long run
Many clients come back, so by your next purchase we already know your business.
One application, a wide lender panel.
We work with specialist lenders that understand ABN holders, so you can compare in one place.
Specialist lenders for ABN holders
Established relationships with lenders that understand how ABN businesses earn.
One application
Submit once and we compare a wide panel of lenders for you, with no shopping around.
Compare before you commit
Compare options side by side before you commit.
Dealers, suppliers and advisers we work with.
Our network across the industry helps us find the right fit for each deal.
Equipment and truck dealers
We work with dealers so finance can be arranged alongside your purchase, subject to lender assessment.
Trailer and body suppliers
We work with trailer and body suppliers so quotes can be organised alongside your build, subject to lender assessment.
Auction partners
Buying at auction? We can arrange pre-approval ahead of the sale, subject to lender assessment.
Referral partners
Accountants and advisers refer clients to us because the job gets done properly.
Lender relationships
Funders who know how we package a deal, which helps your application reach the right desk, subject to lender assessment.
Four steps, no fuss.
A clear path from first conversation to settlement.
- 1
Tell us what you're buying
A quick chat or online enquiry. The asset, roughly the numbers, and your ABN.
- 2
We match the right lender
We take it across our panel and find the structure that actually suits you.
- 3
We handle the paperwork
We chase the lender, sort the docs and keep you posted. No phone tag.
- 4
You get funded
Sign off, settle and get back to work. We're here for the next one too.
What our clients have to say
Rated 5.0 on Google by Australian business owners.
Common questions
Straight answers about how Equifund works.
Is Equifund a lender or a broker?
Equifund is a broker, not a lender. EF Financial Group Pty Ltd ACN 647 510 790 CRN 530270 Authorised under Australian Credit Licence Number: 389328. We compare a panel of specialist lenders and match your business to the one that fits, rather than lending our own money.
Which lenders does Equifund work with?
We work with a wide panel of specialist commercial and asset finance lenders across Australia. Because we are a broker and not a lender, we can match your business to the one most likely to fund your deal on terms that suit how you earn.
What areas of Australia does Equifund cover?
Equifund arranges asset finance Australia-wide, in every state and territory, including NSW, Victoria, Queensland, Western Australia, South Australia, Tasmania, the ACT and the Northern Territory. We are based in Bondi Junction, NSW.
How does an asset finance broker get paid?
An asset finance broker is generally paid by the lender once your finance settles, so our service is about matching you to the right lender for your business. We explain how any costs work upfront, before you commit to anything.
Who runs Equifund?
Equifund Financial Group is led by co-founders Jake Berkowitz and Terry Sher, with company directors Kevin Berkowitz, Anthony Levi and Clive Kirkpatrick. It operates as EF Financial Group Pty Ltd from Bondi Junction, NSW.
Why use a broker instead of going to my bank?
A bank can only offer its own products. Equifund compares specialist lenders for ABN businesses and income-producing assets, so you see more options than one bank template, subject to lender assessment.
What does Equifund finance?
Equifund is a specialist commercial asset finance broker, so we match your business to the right lender rather than lending directly. We arrange finance for commercial and income-producing assets across transport, construction, earthmoving and mining, agriculture and freight, from a single truck to a full fleet.
Can I finance used or older equipment?
Yes, Equifund arranges finance for new and used assets, including older and ex-auction machinery, subject to lender assessment.
Do I need property to secure the finance?
Not always. No-property-security and low-doc options are available for eligible businesses, subject to lender assessment, and the asset itself often supports the finance.
Can self-employed operators and newer ABNs apply?
Yes, Equifund works with self-employed operators, sole traders and newer ABNs, assessing genuine trading and serviceability rather than a standard PAYG checklist.
How quickly can I get pre-approval?
For eligible applications, Equifund can usually arrange an indicative pre-approval within 24 hours of receiving your asset details and ABN, subject to lender assessment.
Will getting a quote affect my credit score?
Free to compare. No credit check unless you proceed.
What do I need to apply?
To start, usually the asset details or dealer quote and your ABN. A lender may ask for more depending on the deal, and we tell you what is needed.
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