Tradie Gear Pack 2025: Low Doc Bundles for Tools, Racks & On-Board Power
Tradie gear pack with tools racks and on-board power under low doc finance – Switchboard Finance
This is the “gear pack” idea — tools, racks and on-board power in one clean plan, not a mess of Afterpay, credit cards and random loans.
A gear pack is your full work setup, not just the ute. Think vehicle, racks, drawers, power, ladders and key tools sitting under one clear Asset Finance plan instead of ten different payments.
It sits on top of your core choices in Tradie Finance Australia and Ute vs Van for Tradies, and plugs into the Tradie Upgrade Ladder so you’re not buying gear out of order.
Done right, the pack lines up with your Tools & Equipment plan for the next 3–5 years, not just whatever is on special this weekend.
Most tradies only need three layers: base setup, efficiency upgrades, then “show-off” gear if the numbers stack up.
Here’s a simple way to think about it before you touch your ABN for another big swipe.
The idea is to group it into one low doc plan instead of three separate applications for the same Low Doc spend.
| Pack level | What’s in it | Why it matters |
|---|---|---|
| Base | Core tools, basic racks, simple storage | Lets you do your main jobs without scrambling. |
| Efficiency | Drawers, lighting, inverters, better ladder setup | Cuts time on each job and keeps the ute or van tidy. |
| Growth | Extra battery kits, second set of key tools, specialty gear | Lets you take bigger or extra jobs without extra staff. |
- Start with base; only add growth gear when it brings clear extra revenue.
- Bundle racks and power with the vehicle as part of your Cash Flow Forecast.
- We can treat the pack under Equipment Finance so lenders see it as one useful setup.
- Larger bits of Plant & Equipment can still sit in their own line if needed.
The gear pack shouldn’t feel like a second rent. We size the plan so it’s covered by the extra jobs or time it saves you each week.
Instead of random terms, we pull it back to a sensible Term Length that lines up with how long the gear will actually work for you.
Then we line it up with your local work mix using Tradies Finance Melbourne and the borrowing ranges in How Much Can Tradies Borrow in 2025.
- We make sure the pack works with any Fit-Out Finance you already have.
- Your accountant can help you line this up with proper Tax Deduction rules.
- Some clients also talk to their accountant about Instant Asset Write-Off for certain items.
- ATO guidance at ato.gov.au is a good starting point for the tax side.
Instead of guessing, we sit down with your current setup, wish list and work pipeline, then build a clean plan off the back of your Depreciation and upgrade cycle.
We fit the pack inside your overall Business Use % and make sure it plays nicely with your vehicle upgrade plan and any future trailer or second ute.
From there we lock it in with Low Doc Asset Finance and Low Doc Vehicle Finance so the whole thing is tidy, predictable and ready to grow with you.
General information only. This isn’t personal advice. Always speak with your accountant or tax adviser about how a gear pack and finance structure affects your numbers and tax position.
