Equipment finance for machinery, tools and specialist assets

Tell us the equipment, supplier, purchase amount and available business records. A broker can compare suitable options.

  • 50+ lenders in the panel
  • Australia-wide
  • Enquiry first — no application lodged

Finance should fit the equipment's productive life

Compare the equipment's cost and business benefit with a realistic term, available records and ownership plan.

01

Asset and supplier

Specialist, imported, new and used equipment can require different invoices, specifications, valuations or supplier checks.

02

Useful life

The proposed finance term should make sense beside how long the equipment is expected to remain productive.

03

Business return

Capacity, labour savings, replacement need and expected revenue help explain why the purchase makes commercial sense.

04

Business records

Trading history and available financial or transaction records affect which lenders and loan types may be suitable.

What this finance may cover

  • 01Machinery and plant
  • 02Trade and workshop equipment
  • 03Medical or professional equipment
  • 04Technology and approved business assets

Look beyond the advertised rate

Compare repayments, fees, conditions and any final payment together. An estimate is not a lender quote or approval.

Open repayment estimator
  • Total cost and timing of repayments

  • Deposit, security and guarantee requirements

  • Used-equipment, valuation or supplier conditions

  • Ownership, balloon and early-payout position

Documents you may need

Start without uploads. If you continue, a broker will explain which documents are relevant.

  1. 01Supplier quote
  2. 02ABN and business profile
  3. 03Financial or transaction evidence
  4. 04Asset specifications

About equipment finance

Can used equipment be financed?

Potentially. Age, condition, valuation and resale characteristics may affect lender policy.

Can repayments match cash flow?

Available terms and schedules vary. Discuss your operating cycle with the broker before selecting a loan.

Speak with a broker

Tell us what you need to finance.

Start online or call RateSmart. A broker will confirm the request and discuss suitable options. Submitting an enquiry does not lodge a credit application.