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FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.
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.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Excavators & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
Skid Steers & Access Equipment
Low doc for self employed tradies
No tax returns? No worries. Bank statements and your ABN are enough for many of our lenders. We specialise in self employed trade finance.
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Everything a tradie needs in one place
Ute, van, trailer, power tools, hand tools, scaffolding, compressors, generators. One broker, one application, one point of contact.
All trades, all levels
Apprentices buying their first ute, established sole traders upgrading vans, or growing businesses adding fleet vehicles and equipment. We service every stage.
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Tax effective structuring
Chattel mortgage to claim GST and depreciation, or finance lease for lower payments. We recommend the structure that saves your trade business the most tax.
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Dual cab utes (HiLux, Ranger, D-MAX)
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Single cab and cab chassis
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Vans (HiAce, Sprinter, Crafter)
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Tray and canopy builds
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Bull bars and accessories
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Tool boxes and storage systems
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Enclosed tool trailers
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Tandem axle work trailers
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Car carrying trailers
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Tilt trailers for equipment
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Box trailers and cage trailers
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Custom trade trailers
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Compressors and generators
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Welding equipment
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Concrete tools and saws
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Scaffolding and ladders
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Plumbing and electrical tools
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Power tool packages
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Mini excavators for landscapers
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Skid steers for builders
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Boom lifts and scissor lifts
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Concrete pumps and mixers
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Drilling and boring equipment
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Demolition tools and breakers
HOW THE PROCESS WORKS
How Tradie Finance Works
A straightforward process.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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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.
Neil Johnson
Earthmoving Contractor
Low Doc
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
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.
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.
Neil Johnson
Earthmoving Contractor
Low Doc
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
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.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
Can I get finance as a self employed tradie?
Yes. Self employed tradies are our core market. We have lenders who accept ABN and bank statements without requiring tax
I am an apprentice. Can I get finance?
It depends on what you are financing and your credit history. Apprentices with clean credit can often finance a ute or b
Can I finance tools and equipment, not just vehicles?
Yes. Power tools, hand tools, compressors, generators, scaffolding, and other trade equipment can all be financed. Minim
Do I need my tax returns up to date?
Not for low doc finance. Many of our lenders accept 3 to 6 months of bank statements and a signed income declaration. Yo
Can I bundle my ute and tools into one loan?
Yes. We can package your ute, trailer, and tool purchases into a single finance facility for simplified repayments and a
What trades do you finance?
All trades including plumbing, electrical, carpentry, building, painting, tiling, landscaping, concreting, roofing, air
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805