Equipment & Asset Finance

Finance the vehicles, machinery and equipment your business needs.

From utes and trucks to yellow goods, farm machinery and specialised equipment, I compare asset finance options and structure the facility around your cash flow, business position and the asset being purchased.

Explore finance options
What I can help finance

Vehicles, yellow goods and equipment across a broad range of industries

Equipment finance can help your business acquire productive assets without paying the full cost upfront. I help with common commercial vehicles through to specialised machinery and equipment.

  • Cars, utes, vans and light commercial vehicles
  • Trucks, prime movers and trailers
  • Excavators, loaders and other yellow goods
  • Agricultural machinery and farm equipment
  • Forklifts, scissor lifts and warehouse equipment
  • Manufacturing machinery and workshop equipment
  • Medical, dental and professional equipment
  • Commercial kitchen equipment
  • IT hardware, office equipment and fit-outs
  • Solar, security, gym and specialised commercial equipment
How lenders assess equipment finance

The asset, business and repayment position all matter

Different lenders have different appetites for vehicles, trucks, yellow goods, agricultural machinery and specialised equipment.

I review the complete transaction before recommending a lender, including the business history, asset, seller, documentation available and proposed repayment structure.

The type, age, condition and value of the asset
Whether the equipment is new or used
Whether the purchase is through a dealer, auction or private seller
How long the business and ABN have been operating
Business income, cash flow and trading history
Whether the asset will produce income or support operations
The business purpose of the purchase
Your credit history and existing finance conduct
Existing business debts and commitments
The loan amount, term and deposit, if applicable
Equipment finance structures

Choose a structure that supports your cash flow

The right structure depends on the asset, how long you expect to use it, your tax position and the repayment impact on the business.

I compare the total cost, ownership position, repayment profile and flexibility rather than focusing only on the headline rate.

  • Chattel mortgage
  • Finance lease
  • Commercial hire purchase
  • Operating or rental agreement
  • Equipment loan
  • Balloon or residual payment structure
  • Seasonal or tailored repayments where available
  • Refinance or restructure of existing equipment finance
Flexible funding options

Equipment finance is not limited to a new purchase

Depending on the asset, lender and business circumstances, finance may be used to purchase, refinance or release funds from eligible business equipment.

Purchase new or used equipment
Buy through a dealer, auction house or private seller
Refinance an existing vehicle or equipment loan
Restructure balloon or residual payments
Release equity from eligible unencumbered business assets
Raise funds for genuine business expenditure using existing equipment
Finance a single asset, several assets or a larger fleet
New, used and private-sale equipment

Finance equipment from dealers, auctions or private sellers

Finance may be available for both new and used assets purchased through a dealer, manufacturer, recognised supplier, auction house or private seller.

Older, specialised or privately purchased assets may need additional checks or a tailored lender. I identify those requirements before the application is submitted.

The age and condition of the asset
The purchase price compared with market value
The supplier, auction house or private seller
The expected working life of the equipment
Whether proof of ownership, an inspection or valuation is required
Any deposit or upfront contribution
The proposed loan term and expected asset age at the end of the loan
Equipment finance for tradies

Newer ABN? Your trade history may still matter

Tradies are a core focus for Freedom Financing. Some specialist lenders may consider qualified tradespeople with a recently established ABN, particularly where the applicant has relevant industry experience and the asset directly supports the trade.

Suitable assets may include utes, vans, commercial trailers, small excavators and other trade equipment. Eligibility depends on the complete application, and some lenders may require a trade certificate, deposit, bank statements or other supporting evidence.

I look beyond the ABN start date

I assess your trade background, business purpose, asset, deposit position, credit history and available documentation to identify lenders that may suit the scenario.

Why Freedom Financing

Specialist asset finance knowledge, applied to your business

The right lender for a ute may not be the right lender for a prime mover, excavator, tractor or specialised piece of machinery.

  • Compare a broad panel of banks and specialist asset finance lenders
  • Understand how lenders assess vehicles, trucks, yellow goods and specialised equipment
  • Structure finance around your cash flow and business goals
  • Work with tradies, construction operators, farmers, transport businesses and other SMEs
  • Explain the options, costs and conditions in plain English
  • Manage the process from application through to settlement
  • Help plan future equipment purchases as your business grows

Whether you are financing your first work vehicle or expanding a fleet, you deal directly with the broker managing your application.

Frequently asked questions

Equipment and asset finance questions

Yes. Many lenders finance used equipment, although the asset's age, condition, value and seller may affect the available loan term and structure.

Often, yes. Private sales may require additional checks such as proof of ownership, valuation evidence, an inspection or direct payment to the seller at settlement.

Potentially. Some specialist lenders consider qualified tradies with recently established businesses where the asset, trade background, deposit, credit profile and overall application are suitable. Policy varies between lenders.

Not always. Some businesses may qualify for finance covering the full purchase price, while others may need an upfront contribution depending on the asset, business history, ownership position and overall application strength.

In some cases, yes. The treatment of GST depends on the lender, finance structure and your business circumstances. Your accountant should advise on the tax treatment.

Yes, subject to lender policy. Refinancing may help restructure repayments, deal with an upcoming balloon, extend the remaining term or better align the facility with current business cash flow. The refinance should provide a clear business benefit.

Potentially. Some lenders allow eligible businesses to raise funds against unencumbered vehicles or equipment for a demonstrated business purpose. A valuation and supporting business information may be required.

Straightforward applications can sometimes be assessed quickly, particularly where streamlined documentation is available. Private sales, older assets, larger transactions or more complex structures may take longer.

Requirements vary. They may include identification, business details, an invoice or purchase contract, bank statements, financial statements, tax returns, BAS, trust documents and details of existing debts. Streamlined options may require less information for eligible applicants.

Yes. Finance may be structured for one asset, several assets or a larger fleet and equipment purchase program.
Ready to finance your next business asset?

Get the right finance structure before you buy

Whether you are buying a work vehicle, truck, excavator, farm machine or specialised equipment, I'll help compare lenders and manage the process through to settlement.