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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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Enter the approximate amount you’d like to finance.
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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 vehicle finance settled
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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
Higher approval rates for vehicle finance
Our specialist lenders understand your industry, delivering faster approvals so you can secure essential equipment without unnecessary delays.
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We move quickly so you do not miss opportunities
Traditional lenders can take weeks. We offer fast, streamlined assessments so you can secure essential equipment before opportunities disappear.
Repayments structured to match your income cycle
Project cycles and uneven income can strain fixed repayments. We tailor finance to your cash flow so your business stays stable and ready to grow.
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Support for self employed and non standard profiles
We provide finance for self-employed operators and non-standard profiles, helping you secure equipment without traditional lender restrictions.
Business Vehicle Finance
No deposit options
Low doc
Non property owners
Finance that preserves cash flow, gets you on the road faster, reduces financial risk, and keeps your business moving forward.
Assets we finance :
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Prime movers and heavy trucks
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Trailers and semi-trailers
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Refrigerated transport units
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Box trucks and rigid trucks
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Curtain side trailers and flatbed trailers
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Tankers for fuel or liquids
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Light commercial vehicles such as vans and utes
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Forklifts and material handling equipment
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Utility trailers and support vehicles
Farming & Agriculture Equipment
Any-age asset finance
Refinance and upgrade solutions
Seasonal and structured finance
Finance that preserves cash flow, gets you on the road faster, reduces financial risk, and keeps your business moving forward.
Assets we finance :
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Tractors and agricultural machinery
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Combine harvesters and balers
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Ploughs, seeders, and sprayers
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Loaders, skid steers, and access machinery
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Livestock transport vehicles
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Fodder and feed preparation machinery
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Farm utility vehicles (utes, ATVs, small trucks)
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 :
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Excavators and backhoes
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Loaders and skid steers
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Cranes and hoists
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Concrete mixers and pumps
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Compactors and rollers
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Forklifts and material handling machinery
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Trucks and site vehicles
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 :
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Excavators and backhoes
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Loaders and skid steers
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Cranes and hoists
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Concrete mixers and pumps
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Compactors and rollers
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Forklifts and material handling machinery
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Trucks and site vehicles
HOW THE PROCESS WORKS
How Vehicle Finance Works
A streamlined process designed to get you from application to approval as fast as possible.
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Complete the Form
In 60 Seconds
Tell us about your business and the vehicle you need. Takes just 60 seconds.
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Speak With an
Industry Specialist
Tell us about your business and the vehicle you need. Takes just 60 seconds.
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Get Pre-Approved
Over the Phone
Tell us about your business and the vehicle you need. Takes just 60 seconds.
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Financing
Secured
Tell us about your business and the vehicle you need. Takes just 60 seconds.
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 for a business vehicle with just an ABN?
Yes. We specialise in helping Australian ABN holders access business vehicle finance. Some lenders offer low-doc options depending on your business profile.
Can I finance a used work vehicle?
Yes. We can help finance both new and used commercial vehicles, subject to lender criteria.
Do I need a deposit for business vehicle finance?
Not always. We have lenders that offer no deposit options for eligible applicants.
Can I get finance if the bank said no?
Yes. We work with 80+ lenders, including specialist lenders who may consider applications outside traditional bank policies.
How quickly can I get approved?
Many applications receive pre-approval the same day if all required information is provided.
Can I finance multiple vehicles?
Yes. We can help with single vehicles or structured fleet finance solutions.
Does applying affect my credit score?
We can discuss lender options and in some cases perform initial checks without impacting your credit score.
What types of businesses qualify?
We work with Australian businesses across many industries, including sole traders, partnerships, and companies with an active ABN.
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