Apply for BusinessAsset Finance Today
Complete one simple form and an Equifund specialist compares your options across a wide panel of lenders for trucks, trailers, excavators, tractors and other business equipment, so you spend less time chasing finance and more time running your business.
No credit impact · No obligation · 30-second check
What Can You Finance With Equifund?
We finance income-producing business assets for transport, construction, farming and mining operators across Australia, new and used.
Transport & Logistics
- Prime movers and heavy trucks
- Trailers and semi-trailers
- Light commercial vehicles
Construction & Earthmoving
- Excavators and wheel loaders
- Skid steers and bulldozers
- Site vehicles and attachments
Farming & Agriculture
- Tractors and harvesters
- Seeders, sprayers and implements
- Irrigation and precision ag equipment
Mining & Resources
- Dump trucks and haul vehicles
- Drilling rigs and crushers
- Service and water carts
Why Operators Skip the Bank Queue
The same deal, four different doors. Here is how a specialist broker stacks up against the alternatives.
Equifund
Specialist broker
- a wide lender panel on one form
- Pre-approval often in 24 hours
- Property often not needed
- Used and older assets welcome
- Low-doc and new ABN options
- Your broker does the legwork
- A dedicated specialist, start to finish
Your bank
Direct to one lender
- One lender, one view
- Days to weeks
- Property often required
- Restrictive on used assets
- Low-doc rarely
- You do the legwork
- Branch queue or call centre
Single lender
Direct to one financier
- One lender, one product
- Several days
- Sometimes required
- Limited appetite
- Case by case
- You do the legwork
- Call centre
Compare sites
A lead form
- A handful of lenders
- Varies by who calls
- Varies
- Limited
- Rarely
- You do the legwork
- Self-serve, then sales calls
What You'll Need
- Your ABN
- A copy of your driver's licence
- Basic details about the asset you want to finance
- For larger amounts, roughly above $150,000, lenders may also ask for three to six months of bank or BAS statements
Not sure if you have everything on hand? Start the form anyway, a specialist will guide you through the rest.
Your details are kept secure and only shared with lenders you choose to proceed with. We do not sell your information to third parties.
Prefer to talk it through first?
Call 1300 464 805Start Your Finance Application
Tell us a few details and an Australian finance specialist gets back to you, usually the same business day.
Business Details
Contact Information
Asset Information
No credit impact · No obligation · 30-second check
Application received
Thanks, an Australian finance specialist will be in touch, usually the same business day.
Estimate Your Repayments
Not ready to apply yet? Get an indicative weekly, fortnightly or monthly repayment estimate first.
We estimate an indicative rate from these answers, so you do not need to know it.
or $0/week · $0/fortnight
Indicative rates reviewed July 2026.
As a GST-registered business, you may be able to claim the GST on the purchase, depending on the finance structure. Speak with your accountant.
Get My Personalised QuoteFree and no obligation. Asking will not affect your credit score.
Estimates only. Not a quote, offer or approval. The indicative rate is a guide based on your answers; your actual rate, fees and repayment are set by the lender and subject to approval and eligibility criteria.
From Application to Settlement
A straightforward path from application to funded, with a specialist guiding you at every step.
- 01Complete the FormShare your business and asset details in a few simple steps, no paperwork needed yet.
- 02Speak With a SpecialistAn Equifund specialist calls to understand your needs and outline your options.
- 03Get Pre-ApprovedWe compare your application across a wide lender panel and bring back an indicative pre-approval.
- 04Finance SecuredOnce you are ready to proceed, we handle the paperwork through to settlement.
Real Deals, Real Businesses
A snapshot of finance we have recently arranged across the industries we specialise in, from transport to mining.
Representative of recent Equifund settlements. Amounts are indicative and client details are changed for privacy. Not a quote, offer or approval.
Common Questions About Applying for Finance
Straight answers to the questions businesses ask most before applying.
Do I need to apply with every lender separately?
No. You complete one application with Equifund and our team compares it across our wide panel of lenders to find suitable options for your business. This saves you the time and paperwork of approaching individual banks or financiers one by one, while still giving you a broad view of what may be available.
What documents do I need to apply?
To get started you will generally need your ABN, a copy of your driver's licence, and basic details about the equipment you want to finance. For larger amounts, roughly above $150,000, lenders may also ask for three to six months of bank or BAS statements. Your specialist will confirm exactly what your application needs.
How long does pre-approval take?
For straightforward applications, an indicative pre-approval can often be provided within about 24 hours once a lender has the information they need. More complex applications can take longer. Timeframes are a guide only and depend on the lender and your circumstances.
Will applying affect my credit score?
Getting started with Equifund typically involves only a soft credit check, which does not affect your credit score and is not visible to other lenders. A hard credit enquiry, which can appear on your credit file, is only made once you choose to formally proceed with a specific lender. Your specialist will always tell you before that step happens.
What happens after I submit my application?
A specialist will review your details and get in touch to confirm a few basics and outline your options. From there we compare lenders on your behalf and keep you updated at each step, so you always know where your application stands. Once you accept a pre-approval and provide any final documents the lender needs, settlement can often be completed within a few business days, though exact timing depends on the lender and your circumstances.
What happens if my application is unsuccessful?
If a lender is unable to proceed, we will let you know and check whether another lender on our panel is a better fit for your circumstances, often without you needing to start again from scratch. If nothing suitable is available right now, your specialist will talk you through the reasons and what could help your position in the future.
Is my information secure?
Yes. Your details are handled securely and are only shared with lenders you choose to proceed with. We do not sell your information to third parties.
Can I apply with a new ABN or less than two years in business?
Yes, in many cases. Equifund compares a panel of over a wide lender panel, including several who specialise in newer businesses and start-ups. Having a new ABN does not automatically rule you out. Eligibility and lender approval still apply.
What types of equipment can I finance?
We arrange finance for trucks, trailers, earthmoving machinery, agricultural equipment, construction plant, commercial vehicles and most other business-use assets. If it is used in your business, it is worth asking.
Can I refinance equipment I already own?
Yes. We can arrange refinancing on equipment you already own to release equity or restructure your current repayments. Speak with a specialist to discuss whether refinancing makes sense for your situation.
Can I apply if I have been knocked back by a bank before?
Often yes. Traditional banks apply a narrow set of criteria, but our wide panel of lenders includes options for a much wider range of circumstances. A previous decline elsewhere does not automatically mean you will not be eligible here.
Do I need to be an Australian citizen or permanent resident to apply?
Requirements vary by lender. Equifund arranges finance for Australian ABN holders and businesses, and a specialist can talk you through what applies to your specific residency and business circumstances.
What will my rate and repayments look like?
Rates and repayments depend on the asset, your credit profile, the lender and the finance structure, so we do not publish a single figure here. Use the Finance Calculator to get an indicative estimate for your own numbers, or speak with a specialist for a personalised review. Any figure shown is general information only, not a quote or offer.
Do I need a deposit?
Not necessarily. Some lenders on our panel offer no-deposit options for qualifying applications. A deposit or trade-in lowers the amount you need to finance and your repayments. Whether one is needed depends on your circumstances and the lender.
Will I need to provide a personal or director guarantee?
Many commercial finance approvals require a personal or director guarantee, particularly for newer businesses or larger loan amounts. This is a standard requirement across the industry and generally means a director agrees to be responsible for the debt if the business cannot meet repayments. Your specialist will confirm whether a guarantee applies to your specific application.
What's the difference between chattel mortgage, hire purchase and finance lease?
These are different ways of structuring equipment finance, and each can affect ownership, GST and tax treatment differently depending on your circumstances. A chattel mortgage is generally the most common option for GST-registered businesses, but the right structure depends on your situation. We recommend discussing your options with your specialist and your accountant, including how instant asset write-off rules may apply to your business.
This page contains general information only and does not constitute financial advice. Equifund holds Australian Credit Licence 389328. Please consider your personal circumstances and seek independent advice before entering into any credit contract.