Auction Coming Up? Get Pre-Approved Now.
Complete the form below.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
$
Enter the approximate amount you’d like to finance.
3%
18%
12 months
84 months
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
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Total repayable (incl. balloon)
$0.00
Estimated interest over term
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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.
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.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Excavators & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
Skid Steers & Access Equipment
Pre-approval before the auction
Apply at least 48 hours before the auction. We assess your profile and provide a pre-approved amount and indicative rate. You go to auction knowing exactly what you can afford.
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Flexible approval for multiple lots
Not sure which lot you will win? We can provide pre-approval for a range, covering multiple potential purchases so you have flexibility on auction day.
Fast settlement after purchase
Once you win, we finalise the finance and settle within the auction's payment terms, typically 3 to 7 business days. No delays, no complications.
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All major auction houses
Pickles, Manheim, GraysOnline, Lloyds Auctions, Asset Alliance, and all regional and specialist auctioneers across Australia.
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Prime movers and rigid trucks
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Fleet disposal vehicles
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Government surplus trucks
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Tippers and specialty bodies
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Trailers and combinations
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Light commercial vehicles
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Excavators and loaders
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Dozers and graders
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Telehandlers and forklifts
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Cranes and access equipment
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Compactors and rollers
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Articulated dump trucks
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Tractors and harvesters
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Headers and balers
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Farm clearing sale equipment
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Implements and attachments
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Irrigation equipment
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Livestock handling equipment
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Manufacturing machinery
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Mining equipment
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Marine and boats
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Medical equipment
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Printing and packaging
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Warehouse and logistics
HOW THE PROCESS WORKS
How to Buy at Auction With Finance
A step by step guide to buying equipment at auction with pre-approved finance.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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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.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
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
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.
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.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
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
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.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
How far in advance should I apply?
At least 48 hours before the auction, ideally a week. This gives us time to fully assess your application and provide a
What if I do not win anything?
Pre-approval costs nothing and has no obligation. If you do not win a lot, the pre-approval simply expires or can be use
Can I finance equipment from any auction house?
Yes. Pickles, Manheim, GraysOnline, Lloyds, Asset Alliance, and all regional and specialist auctioneers. If it is a legi
What happens if the final price is different from my pre-approval?
If you win for less than your pre-approved amount, we simply adjust the finance down. If the price exceeds your pre-appr
Do auction purchases attract different rates?
Not typically. The rate depends on the equipment and your profile, not the purchase source. Auction purchases from known
Can I inspect the equipment before the auction?
Most auction houses offer inspection periods before the auction. We strongly recommend inspecting any equipment before b
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805