Equipment Finance • Machinery & Vehicles • ABN Holders

Fast Equipment Finance up to $5m

Upgrade machinery, vehicles or tools with fast approvals from 40+ lenders, for deals up to around $5 million (subject to lender criteria).

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Need low-doc only? Click here →

Why Equipment Finance Works

Flexible, fast equipment finance designed to help Australian businesses upgrade machinery, vehicles and tools — from smaller upgrades through to major assets up to around $5 million, subject to lender criteria — without draining cashflow upfront. Choose from full-doc facilities or streamlined low-doc options for strong ABN holders.

Reduce Upfront Costs

Spread the cost of machinery or vehicles over predictable monthly repayments, freeing up cashflow for operations and growth. Chattel Mortgage →

Fast, Lender-Matched Approvals

We match your business to the right lender structure — from straightforward full-doc facilities to streamlined low-doc options for established ABN holders. Learn more about our low-doc options →

Protect Working Capital

Finance your gear without tying up reserves. Keep capital available for wages, projects and unexpected expenses. Working Capital →

What You Can Finance

Finance almost any business equipment — from day-to-day tools to larger assets up to around $5 million subject to lender criteria — with the right structure for your ABN, including low-doc options where they fit.

Construction Equipment

Excavators, skid steers, loaders, dumpers.

Tradie Hub Pack Service →

Transport & Trucking

Prime movers, rigids, trailers.

Truckie Hub Pack Low Doc →

Medical & Clinic

Dental chairs, imaging, sterilisation, lasers.

Whitecoat Hub Pack Finance →

Café & Hospitality

Coffee machines, ovens, refrigeration.

Café Hub Pack LOC →

Machinery & Tools

Forklifts, fabrication, workshop gear.

Business Hub Equipment → WCL →

Business Vehicles

Utes, vans, commercial SUVs.

Vehicle Finance Low Doc → Eligibility →
Who this type of finance is for

Built for real Australian businesses

Simple, practical equipment finance for Australian ABN holders across trades, trucks, medical, cafés and more.

Best fit for ABN holders with 2+ years trading, solid revenue and a clean or rebuildable credit profile.

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Heavy equipment and machinery at work – Switchboard Finance equipment finance for Australian businesses

Flexible Equipment Finance Options

Same gear, different ways to fund it. Pick the structure that fits how you use the asset and how you want to repay it.

You own the asset from day one and the lender takes security. Fixed repayments, with the option for a balloon to keep monthly costs lower.

Best for: ABN holders who want the asset on their books with steady repayments. What is a Chattel Mortgage? →

The lender buys the gear and you pay it off over time, taking ownership after the final instalment.

Best for: businesses that want clear ownership at the end on a simple schedule. Hire Purchase explained →

Lease the asset for a set term, then upgrade, extend or pay a residual to keep it.

Best for: industries that like to keep vehicles or machinery fresh. Finance Lease vs owning →

For established ABN holders who don’t have full financials handy. Lenders lean more on trading history, bank statements and the asset itself.

Best for: strong ABN holders who want a quicker, simpler path. See Low Doc Asset Finance →

Talk through the right option
Tell us the asset, budget and term you’re aiming for.

What You’ll Need to Apply

For most straightforward equipment finance applications, the checklist is short and simple.

Whether you’re going full-doc or using a streamlined low-doc option, we start with the basics and only ask for extra information if a lender genuinely needs it.

Check Eligibility in 60 Seconds
You’ll usually just need:
  • 1 ABN registration and basic business details.
  • 2 Driver licence for the owner / directors.
  • 3 Last 3–6 months of business bank statements.
  • 4 Invoice or supplier quote for the gear.
  • 5 Insurance in place (or ready) before settlement.
For larger limits or more complex deals, lenders may ask for financials or tax returns — but we filter this first, so you’re not sending documents you don’t need to.

Equipment finance FAQs

Quick answers to the questions we get most from ABN holders looking to upgrade gear with structured equipment finance.

For straightforward equipment and asset finance applications, many lenders can give conditional approval in 24–48 hours once we have your basic details and bank statements. Streamlined low-doc deals are often in the same window, while larger or more complex applications can take a little longer. If speed is critical and you’re leaning low-doc, our Low Doc Asset Finance guide is a good place to start.
Yes, a lot of lenders are comfortable with private sales as long as the asset can be valued and there’s clear proof of ownership. It still sits under normal asset finance structures — we’ll let you know upfront what each lender needs for private-sale gear so there are no surprises.
Most equipment loans run between 3 and 7 years, often with the option for a balloon payment or residual value at the end. We’ll model different terms so you can see how the repayments look before you decide, and line it up with how long you plan to keep the asset.
In many cases yes, but it depends on your structure, how the asset is used, and whether you use a chattel mortgage or a finance lease. Your accountant is the best person to confirm how GST, depreciation and deductions apply to your situation — we’ll make sure the lender structure lines up with their advice.
Often, yes. Outcomes depend on how serious the issues are, how long ago they occurred, and how your business is trading now. Some lenders are more flexible on asset finance than others. The best next step is a quick chat so we can see what’s realistic and which lenders are open to your scenario.
Check Eligibility (Fast)
60-second form. No impact on your credit score just to check options.
Ready to upgrade your equipment?

Quick, practical equipment finance from smaller purchases up to around $5 million, subject to lender criteria.

  • One application, access to multiple lenders and structures.
  • Fast answers from a broker who actually understands your industry.
  • Full-doc as standard, with low-doc options for strong ABN holders.
Check Eligibility (Fast) Talk to a Broker
No obligation. No impact on your credit score just to check options.