Commercial asset finance specialists.
Truck, trailer and equipment finance for Australian businesses, arranged through a wide panel of specialist lenders.
Finance built around how businesses trade.
Equifund Financial Group is a commercial asset finance specialist based in Bondi Junction, NSW. We are not a lender. We arrange finance for trucks, trailers, machinery and equipment through a wide panel of specialist lenders, for businesses in every Australian state and territory.
The business was established to address a common problem: profitable operators being declined because their income did not suit standard lending criteria. Specialist lenders assess seasonal revenue, contract work and newer ABNs differently, and we know which lenders to approach for each situation.
We prepare each application, present it to the lenders best placed to assess it and manage the process through to settlement, so business owners can stay focused on running their operations.
See how the process works →
Making asset finance accessible.
Many profitable businesses are declined because their income does not follow a standard pattern. We present each application to lenders equipped to assess it properly.
Access
Finance options for sole traders, newer ABNs and seasonal businesses that sit outside standard bank criteria.
Clarity
Repayments, structure and obligations explained in plain terms before you proceed.
Partnership
Ongoing support as your business adds equipment, replaces assets and grows its fleet.
Who we finance.
We regularly arrange asset finance for Australian businesses with these income and trading profiles.
Self-employed and sole traders
Profitable ABN businesses assessed on trading performance rather than PAYG income.
Seasonal and project income
Income that varies through the year, assessed across a full trading cycle.
Newer ABNs with a track record
Assessed on genuine trading history and capacity to service the loan.
Asset-backed operators
Income-producing equipment that supports the application and broadens lender options.
The people behind Equifund.
Our directors bring experience in finance, accounting, compliance and business ownership.
Co-founder of Equifund, with a background in finance and accounting and industry accreditation in mortgage and commercial finance. Jake leads the firm's client service approach.
Co-founder with experience across financial services in Australia and the United States. Terry holds a Macquarie University degree with majors in Finance and International Business.
An experienced business owner who built his own company over twenty years, bringing a practical understanding of what businesses need from their finance.
A Chartered Accountant who began his career at Ernst & Young more than 25 years ago. Anthony founded the Finflex group and sits on the board of a Houston-based energy business.
Senior experience across marketing, product, legal and compliance, with an MBA and GAICD. Clive was appointed to the national board of the FBAA, the finance industry association, in 2020.
Truck and equipment finance by industry.
We finance commercial and income-producing assets, including trucks, prime movers, trailers, excavators, earthmoving machinery and agricultural equipment. Select your industry to see how finance is typically structured, or read our equipment finance overview.
Transport & Logistics
Finance for fleet growth and replacement, structured around your cash flow.
Prime movers, rigids, trailers, refrigerated units, tankers, vans and utes.
Construction & Civil
Plant and equipment finance to support project work.
Excavators, backhoes, skid steers, cranes, mixers, rollers and site vehicles.
Earthmoving & Mining
Finance for new and used earthmoving and mining equipment.
Excavators, dozers, graders, wheel loaders, articulated dump trucks and mining support gear.
Farming & Agriculture
Repayments that can be structured around seasonal income.
Tractors, harvesters, balers, seeders, sprayers, loaders and farm utes.
Freight & Haulage
Trailer finance, with pre-approval available before you buy, subject to lender assessment.
Flatbeds, tippers, refrigerated and enclosed trailers.
Trucks & Prime Movers
Finance for new and used prime movers and rigid trucks.
Prime movers, rigids, tippers, tautliners and vocational trucks.
*Pre-approval timeframes are indicative only and subject to lender assessment and eligibility criteria. $0 deposit applies to prime applications only.
Asset finance in every state and territory.
From a single asset to a full fleet, we arrange asset finance for businesses in every state and territory.
Just settledWhy businesses work with Equifund.
What clients can expect when they arrange asset finance with Equifund.
Commercial asset specialists
Asset finance is our focus, so we understand the equipment and industries our clients operate in.
We manage the process
We liaise with the lender and coordinate the paperwork through to settlement.
Early, honest advice
If an application is unlikely to succeed, we tell you at the outset.
Structures that fit
Chattel mortgage, low-doc, seasonal and no-property-security options for eligible applicants, subject to lender assessment.
Options explained clearly
We compare a wide panel and explain each option so you can make an informed decision.
Ongoing relationships
Many clients return for later purchases, and we already understand their business.
One application, a wide lender panel.
Specialist lenders that understand ABN holders, compared in one place.
- Specialist lenders for ABN holdersRelationships with lenders experienced in assessing ABN businesses.
- One applicationProvide your details once and we approach suitable lenders on your behalf.
- Compare before you commitReview the structure and terms of each option before you decide.
Dealers, suppliers and advisers we work with.
We work alongside dealers, suppliers, auction houses and advisers to support clients from quote to delivery.
Equipment and truck dealers
Finance arranged in conjunction with your dealership purchase.
Trailer and body suppliers
Finance coordinated with trailer and body builds.
Auction partners
Pre-approval arranged before the sale, so you can bid with a clear budget.
Referral partners
Accountants and advisers who refer clients for asset finance.
Lender relationships
Established relationships across our lender panel.
All finance is subject to lender assessment.
How the process works.
Four steps from initial enquiry to settlement.
- 1
Initial enquiry
Share the asset details, the approximate amount and your ABN, online or by phone.
- 2
Lender assessment
We review your situation and identify the lenders and structures most suited to it.
- 3
Application and pre-approval
We prepare the application, liaise with the lender and keep you informed throughout.
- 4
Settlement
Once documents are signed, the lender settles and you take delivery of the asset.
What our clients have to say
Rated 5.0 on Google by Australian business owners.
Common questions
Straight answers about how Equifund works.
What is Equifund Financial Group?
Equifund Financial Group is an Australian commercial asset finance company based in Bondi Junction, NSW. It arranges truck, trailer, machinery and equipment finance for businesses in every state and territory through a wide panel of specialist lenders. Equifund is not a lender.
Is Equifund a lender?
Equifund is 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?
Equifund works with a wide panel of specialist commercial and asset finance lenders across Australia. As we are not a lender, we match each deal to the lender most likely to suit it.
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 is Equifund paid?
Equifund is generally paid by the lender once your finance settles. We explain how any costs work upfront, before you commit.
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 Equifund instead of going to my bank?
Equifund compares a wide panel of specialist lenders, while a bank can only offer its own products. That gives ABN businesses more options, subject to lender assessment.
Where is Equifund based?
Equifund Financial Group is based at Suites 24 and 25, 175-181 Oxford Street, Bondi Junction NSW 2022, and arranges commercial asset finance in every Australian state and territory. You can call 1300 464 805.
What do Equifund's clients say?
Equifund Financial Group is rated 5.0 on Google from more than 200 reviews by Australian business owners.
What does Equifund finance?
Equifund is a specialist commercial asset finance service, 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?
Equifund can often arrange finance without property security, using the asset itself as security. No-property-security and low-doc options are available for eligible businesses, subject to lender assessment.
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 typically arrange an indicative pre-approval within 24 hours* of receiving your asset details and ABN, subject to lender assessment.
Will getting a quote from Equifund affect my credit score?
Checking your eligibility has no credit impact. It uses a soft credit check, which does not affect your credit score. A full credit check by the funding lender only happens if you choose to proceed with an application.
What do I need to apply?
To start a quote with Equifund you usually need the asset details or dealer quote and your ABN. A lender may ask for more depending on the deal.
Can Equifund arrange pre-approval before an auction?
Equifund can arrange pre-approval for trucks, trailers and machinery before an auction, so you know your limit before you bid, subject to lender assessment.
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