Get a Free Quote Finance Calculator Finance Calculator
Open mobile menu

We Get Your Equipment Finance Approved.

Equifund connects ABN holders to 80+ specialist lenders, delivering pre-approval in as little as 24 hours. We finance trucks, trailers, excavators, tractors and commercial equipment across transport, construction, agriculture and earthmoving , including $0-deposit and low-doc options.

Get a Free Quote →

Equipment Financed

$0M+

Lenders on Panel

0+

Pre-Approval

0HR

Years Experience

0+
ACL 389328
FBAA Member
CAFBA Member
ASIC Licensed & Regulated
3× Faster Than Major Banks
Dedicated Specialist Support
WHAT WE FINANCE

What Assets Does Equifund Finance?

From prime movers to farm equipment, we finance the assets that keep Australian businesses moving.

Get a Free Quote →
OUR SERVICES

Which Industries Does Equifund Finance?

We provide flexible finance for a wide range of income-producing machinery and equipment across key industries. We do not restrict finance based on age and focus on the earning potential of quality machinery rather than its year of manufacture.

Transport and Logistics finance

Transport and Logistics

No deposit options Low doc Non property owners

Finance that preserves income cycle, gives fast access to essential equipment, reduces financial risk, and keeps your fleet moving efficiently while supporting uninterrupted operations.

Assets we finance

  • IncludedPrime movers and heavy trucks
  • IncludedTrailers and semi-trailers
  • IncludedRefrigerated transport units
  • IncludedBox trucks and rigid trucks
  • IncludedCurtain side trailers and flatbed trailers
  • IncludedTankers for fuel or liquids
  • IncludedLight commercial vehicles such as vans and utes
  • IncludedForklifts and material handling equipment
  • IncludedUtility trailers and support vehicles
Get Pre-Approved Today → Explore Transport finance →
Farming and Agriculture Equipment finance

Farming & Agriculture Equipment

Any-age asset finance Refinance and upgrade solutions Seasonal and structured finance

Flexible finance designed for seasonal income cycles, giving fast access to essential machinery and equipment while supporting productivity and operational efficiency throughout the year.

Assets we finance

  • IncludedTractors and agricultural machinery
  • IncludedCombine harvesters and balers
  • IncludedPloughs, seeders, and sprayers
  • IncludedLoaders, skid steers, and access machinery
  • IncludedLivestock transport vehicles
  • IncludedFodder and feed preparation machinery
  • IncludedFarm utility vehicles (utes, ATVs, small trucks)
Get Pre-Approved Today → Explore Agriculture finance →
Construction and Civil Equipment finance

Construction & Civil Equipment

Any-age asset finance Refinance and upgrade solutions Seasonal and structured finance

Keep your projects on schedule and your crews productive with flexible finance for reliable machinery. Scale across multiple sites and equipment needs with solutions designed to support ongoing operations and reduce downtime.

Assets we finance

  • IncludedExcavators and backhoes
  • IncludedLoaders and skid steers
  • IncludedCranes and hoists
  • IncludedConcrete mixers and pumps
  • IncludedCompactors and rollers
  • IncludedForklifts and material handling machinery
  • IncludedTrucks and site vehicles
Get Pre-Approved Today → Explore Construction finance →
Earthmoving and Mining Equipment finance

Earthmoving & Mining Equipment

Any-age asset finance Refinance and upgrade solutions Seasonal and structured finance

Keep your operations productive with finance designed for heavy machinery. Access the equipment you need quickly, reduce financial risk, and maximise efficiency across mining sites and earthmoving projects.

Assets we finance

  • IncludedExcavators and backhoes
  • IncludedLoaders and skid steers
  • IncludedCranes and hoists
  • IncludedConcrete mixers and pumps
  • IncludedCompactors and rollers
  • IncludedForklifts and material handling machinery
  • IncludedTrucks and site vehicles
Get Pre-Approved Today → Explore Earthmoving finance →
WHO WE HELP

Who Does Equifund Work With?

We specialise in equipment finance for Australian businesses across every industry and business size.

🚛

Owner Operators

Single-truck or single-machine operators who need fast, flexible finance without complex financial statements.

🏢

Transport Companies

Growing fleets that need to add vehicles quickly. We work with your income cycle, not just your balance sheet.

🌾

Farmers & Producers

Seasonal income no problem. We understand agricultural cycles and structure repayments accordingly.

🏗

Builders & Civil Contractors

Construction businesses that need machinery on-site fast. We approve based on contracts, not property.

⚙️

Earthmoving Contractors

Excavators, loaders, rollers. We finance aged plant and heavy machinery that banks typically decline.

📋

Fleet Managers

Multi-asset finance with balloon structures tailored to your fleet replacement schedule and cash flow.
HOW THE PROCESS WORKS

How Does the Equipment Finance Process Work?

A straightforward path designed to move you from application to approval quickly.
No pressure. No hit to your credit score.

01
Group (3)

Complete the Form in 60 Seconds

Provide us with some basic information about your business and financing requirements via our secure website.

02
Group (4)

Speak With an Industry Specialist

Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.

03
Frame (9)

Get Pre-Approved Over the Phone

Receive a clear pre-approval with transparent terms and repayment options that suit your income cycle.

04
Group (5)

Financing Secured

Your finance broker will work with you to source the best funding offers available and guide your application to success.

SPECIALIST vs BANK vs DEALER

Why Use Equifund Instead of a Bank or Dealer?

How equipment finance compares across the three places ABN holders can fund commercial assets.

Equifund, equipment finance specialistMajor bankDealer finance
Who they lend toEstablished ABN holders, sole traders to fleets, assessed on the business and the asset.Prefers strong financials or PAYG strength, often backed by property.Whoever is buying at the desk, on a take-it-or-leave-it offer.
Income assessedContract, BAS and industry income. Low-doc for established ABNs, no full tax returns.Full financials and tax returns usually required.Limited, tied to the sale, not your wider business.
Lender choice80+ Australian lenders matched to your deal.One bank, one credit template.One or two aligned financiers only.
Rate & structureMarket-tested structure with balloon, 3 to 7 year terms and repayments matched to your income cycle.Standard products with limited flexibility.Rate loaded with dealer margin, high balloons that flatter the monthly but cost more.
Used, private & auctionNew, used, ex-fleet, private-sale and auction all financed, no strict age limits.Restrictive on used, private and auction buys.Usually the dealer's own stock only.
Deposit & security$0 deposit for prime applications, secured on the asset, not your home.Deposit and often property security required.Varies, frequently bundled with add-ons.
Pre-approval speedTypically inside 24 to 48 hours.5 to 10 business days on average.Fast at the desk, but the offer is fixed.

Finance Options: Learn more about chattel mortgage and hire purchase financing and how they compare to other equipment finance structures.

Get Started with Equifund →

No obligation · Soft credit check only · Pre-approval in 24 hours
FINANCE OPTIONS

Which Finance Structure Suits Your Business?

Every business is different. We match you to the structure that fits your tax position, cash flow and how you use the asset, then find the lender to fund it.

MOST POPULAR

Chattel Mortgage

You own the asset from day one and claim the GST back upfront. Best for GST-registered ABN holders who want ownership and the full tax benefit.

Learn more →
SPREAD OWNERSHIP

Hire Purchase

The lender owns the asset while you pay it off, then ownership transfers to you with the final payment. A simple path to owning the asset over the term.

Learn more →
USE WITHOUT OWNING

Finance Lease

The lender buys the asset and leases it to you for fixed payments, with a residual at the end. Keeps your repayments predictable and your capital free.
WHEN TIMING MATTERS

The Right Asset Won't Wait on the Market

Every day your equipment sits idle is revenue lost. We take your application straight to the lenders who can say yes, so you secure the asset while the opportunity is still on the table, not weeks later when it's gone.

Get Pre-Approved Today Pre-approval in as little as 24 hours · No impact on your credit score

Barinder Singh

Transport Operator

user Non-property owner dollar-circle No deposit clock 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.

Get a Quote Like This

Neil Johnson

Earthmoving Contractor

document-text Low Doc clock 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

Get a Quote Like This

Bradley Moore

Owner-Driver

user Private sale document-text Low Doc clock 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.

Get a Quote Like This

Barinder Singh

Transport Operator

user Non-property owner dollar-circle No deposit clock 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.

Get a Quote Like This

Neil Johnson

Earthmoving Contractor

document-text Low Doc clock 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

Get a Quote Like This

Bradley Moore

Owner-Driver

user Private sale document-text Low Doc clock 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.

Get a Quote Like This

What If My Business Doesn't Fit a Bank's Template?

Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate. We assess your application on what really matters.

Asset value & condition

We consider the value, age, and condition of your asset, not just your credit history.

Business use

Finance solutions tailored to how your equipment supports daily business operations.

Deposit position

Low-deposit and zero-deposit options available for eligible applicants.

Repayment capacity

Repayment plans structured around your income cycle and business revenue.

Check Your Eligibility 30-second check · No impact on your credit score
FAQs

Have Questions?

Straight answers to the questions Australian business owners ask most about equipment and asset finance.

How quickly can I get approved for equipment finance?

Pre-approvals can often be issued within 24 hours, depending on your business profile and documentation. We prioritise fast decisions so you can secure the asset before it’s sold.

Do I need property security to get approved?

No. Most equipment finance solutions are secured against the asset itself, meaning you typically do not need to provide property as additional security.

Can I get finance with a new ABN?

Yes, in some cases. While longer trading history strengthens applications, we work with lenders who consider newer businesses, especially where contracts or strong income evidence exist.

Is low doc equipment finance available?

Yes. Low documentation options are available for eligible businesses, reducing the paperwork required compared to traditional bank applications.

Can you finance older trucks or machinery?

Yes. Unlike many banks, we do not apply strict age limits. Approval depends more on asset quality, condition and earning capacity.

What industries do you specialise in?

We specialise in transport and logistics, construction, civil, earthmoving, mining, agriculture and other equipment-reliant industries.

How much deposit do I need?

Deposit requirements vary, but no-deposit options are available for eligible applicants.

Can repayments be structured around seasonal income?

Yes. We offer flexible repayment structures designed around seasonal, contract-based or uneven income cycle cycles.

Will applying affect my credit score?

An initial eligibility check does not impact your credit file. A formal credit enquiry is only completed once you proceed with a full application.

What types of assets can be financed?

We finance a wide range of income-producing assets including trucks, trailers, excavators, tractors, harvesters, plant machinery, commercial vehicles and specialised equipment.

Will a previous rejection affect my chances?

Not necessarily. Many businesses we assist have been declined by major banks. With access to a broad lender panel, we can often structure solutions that traditional banks cannot offer.

I’m self-employed and don’t fit bank criteria. What are my options?

Self-employed operators are commonly declined under standard bank policies. We offer low doc and flexible assessment options designed for business owners, contractors and non-standard profiles.
Equifund finance specialist on call
Quick quotes, fast approvals

Ready to Apply?

Complete the details below to fast-track your finance application.

Secure Portal
Priority Service
Equifund
Business Details
Equifund
Contact Information
Equifund
Asset Information

Explore More

Related Finance Guides

Compare structures and rates across our other commercial asset finance guides.

Business Vehicle FinanceFinance utes, vans and commercial cars for ABN-registered businesses.Read the guide → Construction Equipment FinanceExcavators, loaders, cranes and yellow goods through 80+ lenders.Read the guide → Trailer FinanceBox, flat-top, curtain-side and specialised trailers, new or used.Read the guide → Farm Equipment FinanceTractors, harvesters and broadacre farm equipment for primary producers.Read the guide →

Important information: $0 deposit, rates, fees and approval are subject to lender criteria and your circumstances, and may vary. The information on this page is general information only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you before acting on it.
Equifund Financial Group, Australian Credit Licence 389328.

© 2026 Equifund. All rights reserved.

Important Information: $0 deposit available for prime applications only. Interest rates, fees and repayment terms vary by lender and individual applicant profile. This information is general in nature and does not constitute financial advice. Credit assistance is provided by Equifund Financial Group Pty Ltd | ACN: 647 510 790 | CRN: 530270 | Australian Credit Licence 389328. Finance is subject to lender credit criteria. Always consider your financial situation before entering into a finance agreement.

Equifund finance pages: Truck Finance · Trailer Finance · Construction Equipment Finance · Farming Finance · Other Finance Options ····· Chattel Mortgage ·