Equipment finance is a specialised loan that allows businesses to acquire necessary machinery, vehicles, or technology without needing to pay large sums of money upfront. With equipment finance, you can spread the cost of the asset over time, making it easier to manage your budget and maintain cash flow. This is especially helpful for businesses that need to invest in essential equipment but don't want to tie up significant capital.

By using our equipment finance calculator, you can get an instant estimate of your monthly repayments, giving you a clearer picture of how financing your equipment can fit into your business’s budget.

At Equifund Financial Group, we provide tailored equipment finance solutions that can support businesses of all sizes. We understand that every business has different needs, which is why we offer:

• Tailored Finance Solutions: We provide a range of equipment finance options including Chattel Mortgages, Finance Leases, and Hire Purchases. This allows us to customise a solution that best suits your business operations and financial situation.

• Competitive Equipment Finance Rates: Our finance products are competitively priced to ensure that you can access the equipment you need without overburdening your business with excessive interest rates.

• Flexible Terms for Your Equipment Finance: We understand that businesses have varying cash flow requirements, which is why we offer flexible repayment terms. Whether you need short-term or long-term finance, we’ll tailor the terms to suit your specific needs.

• Fast Approval Process for Equipment Finance: At Equifund, we know how crucial it is to get your business moving quickly. Our streamlined approval process means you can get access to the funds you need to purchase your equipment without unnecessary delays.

• No Hidden Fees in Equipment Finance: With Equifund, you can rest easy knowing that our terms are transparent, and there are no hidden fees. What we quote is what you’ll pay.

At Equifund Financial Group, we offer a wide range of equipment finance solutions across various industries. Some of the key types of equipment we finance include:

• Trucks & Trailers: We offer finance for both new and used trucks and trailers. Whether you're buying a single vehicle or an entire fleet, we can provide competitive rates and flexible loan options tailored to your business.

• Construction Equipment: If you need excavators, bulldozers, cranes, or any other construction machinery, Equifund offers finance solutions that help you acquire the tools you need to complete your projects efficiently and on time.

• Farm Machinery: In the agricultural sector, having access to the right machinery is essential. We provide tailored finance for tractors, harvesters, balers, and other essential farm machinery, helping you run your farm efficiently without compromising on cash flow.

• Office Equipment & Technology: From office computers and photocopiers to sophisticated IT systems, we offer finance for all types of office and technology equipment, helping businesses stay up-to-date with the latest tools and equipment without incurring large upfront costs.

• Manufacturing Equipment: Whether you need machinery for production, fabrication, or other manufacturing processes, we offer finance solutions that can help you upgrade or expand your production capacity with minimal financial strain.

The process of securing equipment finance with Equifund Financial Group is simple and straightforward. Here’s how it works:

1. Application: To start, you’ll need to submit an application form. You can do this online or by contacting one of our finance brokers. The application will require basic information about your business, the type of equipment you're purchasing, and your financial situation.

2. Approval: Once we receive your application, we’ll assess your financials and the details of the equipment you want to finance. Based on this, we’ll offer you a tailored financing solution, including the interest rate and repayment terms.

3. Asset Acquisition: After your finance is approved, you can proceed with acquiring your equipment. If you're purchasing from a dealer, we’ll work directly with them to finalise the transaction and get your equipment delivered as quickly as possible.

4. Repayment: After acquiring the equipment, you’ll start making regular repayments based on the terms of your finance agreement. These payments are designed to fit your business’s cash flow and can be adjusted depending on the finance product you choose.

For an instant estimate of your monthly repayments, use our equipment finance calculator to plan your budget accordingly.

We provide various finance options for businesses seeking equipment finance, each designed to suit different business needs:

• Chattel Mortgage: A Chattel Mortgage is a form of loan where you own the equipment from the outset, but the lender holds a security interest until the loan is repaid. This option is great if you want to own the equipment outright once the loan term ends.

• Finance Lease: A Finance Lease allows you to use the equipment for a fixed period while paying regular repayments. At the end of the lease term, you may have the option to purchase the equipment for a predetermined price. This is a good option for businesses that don’t want to own the equipment outright or need flexibility.

• Hire Purchase: This finance option allows you to hire the equipment with an option to purchase at the end of the agreement. The payments are spread over a set period, and you can take ownership of the equipment once the final payment is made.

Equifund Financial Group offers finance options for both dealer sales and private sales of equipment. Whether you are purchasing from an authorised dealer or a private seller, we’ve got you covered.

• Dealer Sales: We work closely with leading equipment dealers across Australia to provide you with competitive rates and quick approvals for dealer-purchased equipment.

• Private Sales: If you're purchasing equipment from a private seller, we can still offer finance solutions that help you secure the equipment you need, with flexible repayment options.

Applying for equipment finance with Equifund Financial Group is simple:

1. Contact Us: Reach out to our team to discuss your finance needs and get expert advice.

2. Submit Your Application: Provide the necessary details about your business and the equipment you wish to finance.

3. Get Approved: We’ll review your application and provide an offer based on your situation.

4. Secure Your Equipment: Once approved, you can proceed with purchasing the equipment, and we’ll arrange the finance.

Use our equipment finance calculator to calculate your potential monthly repayments before applying.

For many businesses, equipment finance is a smarter option than paying upfront in full. It offers several benefits:

• Preserve Cash Flow: Spread your payments over time, so your business doesn't have to tie up large sums of cash in equipment purchases.

• Tax Benefits: Equipment finance can provide tax deductions, making it a cost-effective solution for your business. Read more about tax benefits.

• Flexible Repayments: Choose the repayment structure that best suits your cash flow, including fixed repayments and flexible options.

• Asset Ownership: Depending on the finance option you choose, you may own the equipment at the end of the term, making it a long-term investment for your business.

At Equifund Financial Group, we’re committed to providing businesses across Australia with fast, flexible, and affordable equipment finance solutions. Whether you’re looking to finance a single piece of machinery or an entire fleet, our expert team is here to help.

For an instant estimate of your monthly repayments, check out our equipment finance calculator. Contact us today to find out how we can assist you with financing your next equipment purchase.