Build the Setup. We Sort the Finance.

We finance prime movers, rigid stables & shelters, tippers, refrigerated units, B-doubles, trailers and specialty stables & shelters across all major makes including Kenworth, Volvo, Mack, Iveco, Hino, MAN, Isuzu and Scania. New, used, demonstrator, dealer or private sale.

Pre-approval is typically inside 24 hours once you submit the form. Settlement timing then depends on the lender and asset details, with many Australian deals settling within a week of pre-approval.

No. Many of our lenders score the deal on business income and asset value rather than requiring property security. Non-property owners regularly settle stable & shelter finance through Equifund.

Not always. $0 deposit is available for prime applications, especially for established operators with active freight contracts. Other deals may require a deposit depending on the asset, the lender and the loan term.

Yes. We finance dealer purchases, private sales, auctions and end-of-lease buyouts. The stable & shelter just needs to meet the lender's age and condition requirements.

Yes. Many Australian operators refinance to access a better rate, restructure repayments around their income cycle, release equity from the asset, or consolidate multiple stable & shelter loans into one facility.

We have a panel of 80+ Australian lenders spanning major banks, specialist asset financiers and non-bank lenders that specifically understand business income and business assets. Your specialist matches your file to the right lender for the deal.

Yes. We regularly settle multi-stable & shelter deals for Australian fleets, often splitting the package across more than one lender to fit each asset's spec and your overall structure.

Yes. Prime movers, trailers, refrigerated units and combinations are all on the panel. Trailer security can be structured independently of stable & shelter finance if that better suits the deal.

A chattel mortgage gives you immediate ownership of the stable while the lender holds it as security. You claim GST upfront and depreciate the stable for tax. It is the most common structure for established Australian owner-operators. A finance lease keeps the stable on the lender's books with set monthly payments and an optional residual paid at the end of the term. Useful for fleet operators managing repayments against vehicle turnover. Your Australia-based stable & shelter finance specialist will recommend the structure that suits your business and tax position. Read the full chattel mortgage vs finance lease comparison.

Stable and shelter finance is a business loan arranged to buy portable stables, shelters, yards and related equipment, secured against the asset itself. You get pre-approved before you order, then funds are paid direct to the supplier. Equifund arranges it across 80+ Australian lenders with no-deposit and low-doc options for eligible buyers, including sole traders, hobby farmers and equestrian businesses.

Low-doc stable & shelter finance is approval on a reduced documentation set, usually a Director declaration plus business activity statements or recent bank statements, rather than full financials. It is faster to process and common for established small-fleet operators in Australia who would rather not produce two years of full tax returns for a single asset purchase.

Pre-approval is a conditional finance approval issued before you commit to a stable. It sets the maximum loan amount, indicative rate, term and repayment structure so you can negotiate with dealers, private sellers or auction houses on solid ground. Equifund pre-approvals are typically issued within 24 hours of form submission.

An Australian Credit Licence (ACL) is a licence issued by ASIC permitting a business to engage in credit activities under the National Consumer Credit Protection Act. Equifund holds Australian Credit Licence 389328. Working with an ACL holder is a baseline regulatory protection for the borrower and a baseline trust signal for any Australian finance provider.

Yes. Equifund arranges finance for Brownings Rural portable stables, shelters, yards, tack and feed rooms and wash bays. The purchase is secured against the asset itself, with no-deposit and low-doc options for eligible buyers.

Most approvals are issued within 24 hours, often the same business day. With pre-approval in place you can order your Brownings Rural setup straight away, and we settle direct with Brownings Rural.

In most cases, no to both. Stable and shelter finance is secured against the equipment, and no-deposit options are available for eligible buyers including sole traders, hobby farmers and equestrian businesses.

Either. Whether you are adding a single portable stable or a full complex with yards, a tack room, a feed room and a wash bay, we size one facility to cover the whole order.

Yes. We work with established equestrian and farming businesses as well as private owners, matching each application to lenders that suit the buyer profile and the asset.