Win the Bid. We Sort the Finance.

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

We have a wide panel of 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.

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

Low-doc auction finance is finance assessed 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.

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.

We finance earthmoving and plant, excavators, dozers, graders, loaders, tractors, harvesters, trucks, trailers and general plant across all major makes including Caterpillar, Komatsu, Hitachi, John Deere, Bobcat, JCB, Kenworth and Volvo. New, used, ex-fleet, dealer or private sale.

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

Not always. $0 deposit is available for prime applications, especially for established operators with active 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 auction just needs to meet the lender's age and condition requirements.

Yes. Earthmoving plant, trucks, trailers, tractors and attachments are all on the panel. Trailer or attachment security can be structured independently of the main asset if that better suits the deal.

Yes. We do not apply strict age limits. Lenders on our panel finance any-age assets on quality, condition and earning capacity, which suits an auction catalogue.

In most cases, no to both. Equipment finance is secured against the asset itself, and no-deposit options are available for eligible buyers including sole traders and contractors.