Win the Bid. We Sort the Finance.

We finance prime movers, rigid machinery, tippers, refrigerated units, B-doubles, trailers and specialty machinery 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 auction 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 auction 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 auction 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. Tell us your total bidding budget and we size a single facility to cover several lots, so you can bid across the catalogue without reapplying. Larger packages can be split across more than one lender to suit each asset.

Yes. Prime movers, trailers, refrigerated units and combinations are all on the panel. Trailer security can be structured independently of auction finance if that better suits 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 fleet operators managing repayments against vehicle 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.

Auction finance is a business loan arranged specifically to buy plant, machinery and equipment at auction. You get pre-approved before the sale so you can bid to a firm limit, then funds are paid direct to the auction house when you win. Equifund arranges auction finance across 80+ Australian lenders, with no make, model or year-of-manufacture cap and settlement timed to the auction window.

Low-doc auction 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 machine. 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, and we recommend it. Pre-approval gives you a clear bidding limit so you can register, bid and settle without holding up the sale. Most approvals are issued within 24 hours of applying.

We finance the full catalogue: earthmoving and plant, trucks and trailers, tractors and farm equipment, mining gear and general plant. There is no make, model or year-of-manufacture cap. Approval rests on the asset value and your business profile.

With pre-approval already in place, we co-ordinate funds direct to Emerald Auction Centre once your bid is successful. Settlement happens inside the auction's standard settlement window so you can collect without delay.

Yes. Tell us your overall bidding budget and we pre-approve a facility sized to cover several lots, so you can bid across the catalogue without reapplying for each one.

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.