Machinery and equipment finance for manufacturers in Melbourne
Industries Manufacturing Loan Pack

Machinery & Equipment Finance for Manufacturers

One pack, one broker — CNC machines, forklifts, production lines, vehicles and working capital, without the bank runaround.

Low Doc FriendlyNo Credit Check to EnquireMelbourne Based

Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704

$30K+to $2M+ Deals
0Typical First Response
Low Doc& Full Doc Options
Machinesto Home Loans

You run a factory. You make things. And when you need a new machine, the last thing you need is a bank asking for two years of tax returns, a business plan and a meeting at the branch. You need the machine — not the paperwork.

Two years of tax returns A business plan A branch meeting Three weeks of waiting An accountant letter

Which One Is You?

Three situations. Three different paths.

🔧
Your machine just died — or it's about to
The CNC is 15 years old and costing you $8K a month in maintenance. The press brake is slow. The forklift is on borrowed time. You need a replacement — fast. We place chattel mortgage and machinery finance deals that can settle in days — not weeks.
Typical range: $30K – $500K
📈
Scaling up — new line, new capacity, new contract
You've won a big contract or you're adding a production line. Maybe it's $280K in packaging equipment, maybe it's a $650K injection moulder. The money needs to move before the opportunity does. We match the finance structure to the machine — chattel mortgage, lease, or rental — and place each asset with the right lender.
Typical range: $100K – $2M+
💧
Cash flow is tight right now
Raw materials cost more than they did last year. You're waiting on invoices. Wages don't wait. A line of credit or working capital facility gives you breathing room without a long-term commitment. Invoice finance turns unpaid 30–90 day invoices into same-day cash.
Typical range: $20K – $250K

Why Us

Same factory. Two very different conversations.

What the bank sees
Company structure with trust distributions — "too complex"
Seasonal revenue from project-based work — "inconsistent"
Specialist equipment they can't value — "non-standard asset"
Returns not lodged yet — "come back later"
Multiple entities — "which one is the borrower?"
What we see
A profitable manufacturing business structured for tax efficiency
Strong revenue with natural project-based cycles
Specialist equipment with known resale markets and residual values
Current BAS and bank statements that show real trading
"Let's get this sorted — here's the path."

Real Example

A steel fabrication shop in Melbourne's north. ABN 6 years.

Owner runs structural steel through a family trust. Won a string of commercial handrail contracts and needed to add capacity — fast. Bank wanted full company financials, but last year's returns weren't lodged.

What we structured — four facilities, three lenders, placed where the fit was strongest.

Chattel mortgage — CNC plasma cutting table5-year term · low doc · equipment lender
$180,000
Chattel mortgage — press brake replacement5-year term · bundled with plasma under one facility
$95,000
Chattel mortgage — delivery truck (Isuzu NPR)4-year term · vehicle lender
$65,000
Unsecured line of credit — working capitalDraw as needed · interest only on drawn amount · cashflow lender
$40,000
Total Financed$380,000
What the owner provided

6 months of bank statements, ABN, driver's licence, and equipment quotes. No tax returns. No accountant letter. First equipment lender declined the press brake as a standalone deal — so we bundled it with the plasma cutter under one facility. Approved same day.

Day 1 — file packaged. Day 2 — equipment approved. Day 3 — vehicle approved. Day 4 — working capital approved. Day 7 — all settled. Every deal is different — this shows how a pack works when everything's placed with the right lender.

Getting Started

What you'll need to get the conversation going.

6 months business bank statementsYour everyday transaction account
ABNMust be active — most lenders want 12+ months trading
Driver's licence or passport
Details of the equipmentQuote, invoice, or auction listing
Current BASIf GST registered — not always essential
For most machinery and equipment deals, this is enough to get started. No tax returns. No accountant letter. Some lenders may ask for more depending on the deal — we'll tell you upfront. For general information on manufacturing in Australia, see business.gov.au.
Australian manufacturer operating machinery in a factory workshop

One broker. Every machine that matters.

The Pack

What's included — explore deeper.

Each category links to a dedicated page with more detail. Open the ones that matter to you.

🔧
CNC Machines, Forklifts & Production Equipment
Plasma cutters, press brakes, injection moulders, conveyor systems, compressors

CNC routers, lathes, plasma cutters, press brakes, injection moulders, forklifts, conveyor systems, packaging machines, compressors and generators. New, used, imported or private sale. Chattel mortgage, lease, or rental — structured to your tax position.

CNC MachinesForkliftsInjection MouldersPress BrakesWeldersLaser CuttersPackaging LinesCompressors
See equipment finance
🚛
Delivery Trucks, Vans & Site Vehicles
Isuzu, Hino, Fuso, flatbeds, refrigerated transport, utes

Registered vehicles go through vehicle finance — separate lender, better rate, faster approval. We structure it as chattel mortgage, hire purchase or lease depending on what suits your tax position.

Delivery TrucksVansUtesRefrigerated TransportFlatbeds
See vehicle finance
💰
Working Capital & Cashflow
Raw materials, inventory, contract mobilisation, invoice finance

Unsecured business loans, lines of credit and invoice finance. Bridge the gap between placing a materials order and getting paid. Keep the factory running while you wait for 30–90 day invoices to clear.

Business LoansLines of CreditInvoice FinanceUnsecured Options
See cashflow options
🏢
Buy the Factory You're Leasing
Commercial property loans for factories, warehouses, industrial units

Low doc commercial property loans for manufacturers buying their warehouse, factory or industrial unit. Up to 80% LVR through specialist lenders. Stop paying rent on a building you could own.

FactoriesWarehousesIndustrial UnitsLow Doc Pathways
See commercial property
🏠
Already sorted your factory? There's one more thing the bank won't help with.
Your manufacturing income doesn't fit the bank box for a home loan either. One doc pathways use your most recent BAS instead of full tax returns.
See one doc home loans →

Get Started

Three quick questions. That's it.

Answer these and we'll know exactly how to help.

1. What do you need?
🔧 Machinery 🚛 Vehicles 💰 Working capital 🏢 Property 📦 All of the above
2. How much?
Under $50K $50K – $150K $150K – $500K $500K+
3. How soon?
⚡ This week 📅 This month 🔍 Just exploring

Common Questions

Nothing upfront. We don't charge you fees — we get paid by the lender when your deal settles. The callback is free. The eligibility check is free. If we can't help, we'll tell you straight and you won't owe us anything.

We'll call you within 24 hours. The conversation takes about 10 minutes. We'll ask what you need, check your ABN history, and tell you straight if we can help. No credit check. No obligation. If it's not a fit, we'll tell you.

No. The initial conversation and eligibility check don't touch your credit file. A formal credit check only happens after you've agreed to proceed with a specific lender and deal structure — and we'll always tell you before that happens.

Yes. Used machinery (private sale, auction, dealer), imported equipment and ex-demo machines can all be financed. The lender assesses the asset value, not just whether it's new. We work with lenders who understand manufacturing equipment residual values — a 10-year-old CNC lathe with a known resale market is different from a generic office asset.

That's exactly what the pack is for. One broker conversation covers machinery, vehicles, commercial property, working capital and personal home loans. We map everything together so the structures don't conflict and your borrowing capacity is optimised across all facilities.

Still not sure? Get a free callback and we'll talk through what actually fits your situation — no obligation, no credit check.

One broker. Every type of manufacturing finance.

Whether you need a CNC machine this week or a factory purchase this quarter — start here.

We'll call you within 24 hours. The conversation takes about 10 minutes. We'll ask what you need, check your ABN history, and tell you straight if we can help. No credit check. No obligation. If it's not a fit, we'll tell you.

FBAA AccreditedCRN 576702ABN 29 691 892 289Melbourne — lending Australia-wide

Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704 · General information only. Not financial advice.