ATTENTION: Small business owners
Fast Equipment Finance without ruining your credit score
Finance trucks, utes & equipment quickly so you can take on more work
TESTIMONIALS
What others are saying
STILL NOT SURE?
Frequently Asked Questions
Got questions? We’ve covered the most common ones below. If you’re still unsure, we’re here to help.
How much can my business borrow?
Loan amounts typically range from $5,000 to $1,000,000, depending on your business revenue, cashflow, and overall profile.
We’ll assess your situation and match you with lenders that fit your needs.
How quickly can I get funded?
Approvals can often be provided within 24 hours, with funding available in as little as 24 hours after approval.
We focus on fast turnaround so you can move quickly on opportunities.
Am I Eligible?
Business owners we work with need to meet the following:
- Australian citizen or permanent resident
- Within working age, and actively involved in the business
- Trading business with verifiable income and expenses
- Active ABN
- Operating within Australia
Not sure if you qualify? We can check your options in minutes.
What types of businesses do you work with?
We work with a wide range of industries, including tradies, construction, hospitality, retail, transport and professional services.
Can I get finance if I’ve been declined by a bank?
Yes. We work with a wide range of lenders, including non-bank and specialist lenders, who take a more flexible approach than traditional banks.
Even if you’ve been declined before, there may still be options available.
What equipment can I finance?
Funds can be used for almost any equipment with a serial number, including:
- Cars, utes, vans, and light commercial vehicles
- Trucks and trailers
- Earthmoving equipment
- Forklifts
- Boom lifts, scissor lifts, and spider lifts
- Generators and compressors
- Workshop and engineering equipment
- Welding and woodworking equipment
- Kitchen and catering equipment
- Medical and laboratory equipment
And much more....
If you’re unsure whether your equipment qualifies, simply enquire with our team. We work with a broad panel of lenders and can often finance specialised or niche equipment as well.
What is a balloon payment?
A balloon payment is a lump sum due at the end of your finance term.
Choosing a balloon can reduce your monthly repayments and help improve business cash flow during the loan term.
At the end of the agreement, you can:
- Pay out the balloon
- Refinance it
- Trade in or sell the asset
Balloon payments are commonly used for cars, utes, trucks, trailers, and equipment finance.
Can I finance new and used equipment?
Yes. We can arrange finance for both new and used vehicles and equipment, including cars, utes, vans, trucks, trailers, earthmoving equipment, forklifts, and a wide range of business machinery.
Can I buy equipment from private sellers or only dealerships?
Both. Many lenders allow equipment purchases from either licensed dealerships or private sellers. Private sale transactions may require additional documentation such as proof of ownership, and inspections.
Can I finance vehicles or equipment if I have only just started my business?
Yes, it may still be possible. Many lenders can consider newer businesses if you have relevant industry experience, qualifications, or secured contracts that support the need for the vehicle or equipment. Approval will depend on your overall application, including your business background, income, and credit profile.
Will this impact my credit score?
Initial assessments can be done without impacting your credit score.
If a formal application is submitted, a credit check will be required by the lender.
How do repayments work?
Repayments are typically made weekly or monthly depending on the lender and finance product. We’ll help structure the repayments to suit your business cash flow.
Payments can also be set up:
- In advance — where the first repayment is debited when the loan settles
- In arrears — where the first repayment is due around one month after settlement
Repayment options and timing will depend on the lender and the type of asset being financed.
What are the interest rates and fees?
Rates and fees vary depending on your business profile, lender, and loan type.
We’ll provide clear, upfront options so you can choose what works best for your business.
Can I repay early?
Some lenders allow early repayment, while others may have minimum terms or break fees.
We’ll explain your options clearly before you proceed.
Why use a finance broker instead of going direct to a lender?
Instead of applying to one lender and hoping for approval, we compare multiple lenders and match you with the best option — saving you time, protecting your credit file, and improving your chances of approval.
Do I need to own property to get approved?
No. You do not need to own property to apply for business equipment or vehicle finance. Many lenders can approve applications for business owners who are renting.
I’m not sure if I’m ready yet. Should I still apply?
Yes. It only takes a minute to check your options, and there’s no obligation to proceed.
At the very least, you’ll understand what’s available for your business.
Your Business Lending Team
We understand the pressure that comes with running a business, especially when cashflow is tight. That’s why we move quickly, communicate clearly, and structure deals to actually get approved.
When you work with us, you’re not dealing with a call centre or sitting on hold for hours.
You’ll be working directly with people who want to understand your business and are committed to getting the right outcome.
Declan Lewis
Finance Broker
Chester Campbell
Finance Broker
James Chen
Finance Broker
Anthony Dang
Lending Specialist
Roy Kim
Lending Specialist
Does this sound familiar?
Losing jobs because you don’t have the right setup
Wanting to take on bigger jobs and contracts
Missing out on higher-paying work due to limited capacity
Constant repair bills and maintenance headaches
Losing time and income when equipment is off the road
Looking for better tools to improve productivity
Equipment breakdowns causing delays and downtime
Needing more capacity to increase revenue
Upgrading your setup to support long-term business growth
Don't worry, we can help!
How We Help
Fast Access to Funding
Get approved and funded in as little as 24 hours so you can move ahead quickly.
Upgrade Your Gear
Finance equipment to help your business operate more efficiently.
Grow Business Capacity
Take on more work and position your business for long-term growth with the right equipment and vehicles.
High Chance of Approval
We match your application with the lenders most likely to say yes.
Access Multiple Lenders
We compare banks and non-bank lenders to find the best fit.
Preserve Cashflow
Spread the cost of equipment over time instead of using large amounts of capital upfront.
About us
Hi, I'm Declan!
I work with business owners across Australia who are tired of cashflow holding them back.
Whether you need funding to cover wages, pay suppliers, or take on more work, my team will help you access fast, flexible funding without the usual delays and headaches.
Nearly 10 years in small business lending
Proven track record helping business owners secure fast approvals
Access to the right lenders for your business and situation
