Private Sale Finance | Equipment & Trucks

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

Finance type

Loan amount

Enter the approximate amount you’d like to finance.

Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

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 $0.00

Total repayable (incl. balloon) $0.00

Estimated interest over term $0.00

This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

Finance equipment and vehicles purchased from private sellers, online marketplaces, or direct from other businesses. While banks typically require a dealer invoice, our lenders finance private sale purchases from Gumtree, Facebook Marketplace, Machines4u, TruckSales, and direct seller to buyer transactions.

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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.

$50M+ in equipment financed

3x faster decisions than major banks

Dedicated support to find the best solutions

ASIC licensed & regulated

PRIVATE SALE FINANCE

Finance Equipment Bought Privately Without a Dealer

We work with lenders who specialise in private sale finance. They understand that the equipment is the same whether it comes from a dealer or a private seller. Our process includes verification steps to protect both buyer and seller, ensuring a smooth and secure transaction.

Some of the best deals on used equipment come from private sellers. A farmer selling a tractor, a retiring truckie selling their prime mover, or a business listing an excavator on Gumtree. These purchases often save 15% to 30% compared to dealer prices. The problem is most banks will not finance them without a dealer invoice.

Trucks

Semi-Trailers & Trailers

Refrigerated trucks

Excavators & Loaders

Cranes & Site Machinery

Trailer Trucks

Tractors & Harvesters

Yellow Goods

Skid Steers & Access Equipment

Pre-approval before you inspect

Get pre-approved before you go to see the equipment. This gives you buying power and lets the seller know you are a serious, cashed up buyer ready to settle quickly.

Independent valuation or inspection

For private sales, lenders may require an independent valuation or mechanical inspection. We coordinate this as part of the approval process to protect your investment.

Secure settlement process

Funds are paid directly to the seller at settlement, with security interests registered simultaneously. This protects both parties and ensures a clean title transfer.

All private sale sources accepted

Gumtree, Facebook Marketplace, TruckSales, Machines4u, TradeEarthmovers, farm clearing sales, and direct seller to buyer transactions. If the equipment is genuine, we can finance it.

Get Pre-Approved Today

Prime movers from retiring operators
Rigid trucks from fleet disposals
Tippers from construction businesses
Trailers from transport operators
Vans and light commercials
Refrigerated vehicles

Excavators from contractors
Loaders from quarry operators
Dozers from mine closures
Cranes from hire companies
Telehandlers and forklifts
Compactors and rollers

Tractors from neighbouring farms
Harvesters and headers
Balers and sprayers
Irrigation equipment
Livestock equipment
Farm vehicles and utes

Gumtree equipment listings
Facebook Marketplace finds
TruckSales private listings
Machines4u listings
TradeEarthmovers listings
Farm clearing sale purchases

HOW THE PROCESS WORKS

How Private Sale Finance Works

A straightforward process from enquiry to approval.

Complete the Form
In 60 Seconds

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

Speak With an
Industry Specialist

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

Get Pre-Approved
Over the Phone

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

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.

Get a Quote Like This

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

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.

Get a Quote Like This