Equipment Finance: Fund Tools, Plant & Machinery

Get an equipment finance quote

Equipment finance lets a business fund tools, plant, machinery or other equipment without paying the full cost upfront — you spread the cost over the asset's working life, and the equipment itself is generally the security. It's available to ABN holders and suits any trade or business that relies on gear to do the work.

Quick, simple

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Equipment finance suits tradies, contractors, plant operators and any ABN business buying gear. If you rely on tools, machinery or equipment to do the work, you can usually finance it — new or used. Here's what you can finance:

Excavators, diggers & earthmoving plant

Trucks, trailers, tippers & truck bodies

Power tools & workshop equipment

Generators, compressors & pumps

Hospitality, fit-out & commercial kitchen gear

IT, office & point-of-sale equipment

New or used, big or small — if it earns its keep, it can usually be financed. A broker matches the structure and term to the gear and the way you work, so the repayments line up with the cash it brings in.
Get an equipment finance quote

Ways To Structure Equipment Finance

There are a few common ways to fund equipment. The right one depends on whether you want to own the gear, how you want it treated for tax, and how you want it to sit on your books. A broker can talk you through which fits.

Chattel Mortgage

You own the equipment from day one and the lender takes security over it. Fixed repayments make budgeting easy, and depending on how the gear is used there may be GST and depreciation benefits — check with your accountant.

Lease & Rental

Use the equipment for a set term and pay a regular amount, keeping a big upfront cost off the table. This covers finance lease and operating lease variants — a broker can explain which suits how long you’ll keep the gear.

Hire Purchase

The lender buys the equipment and you hire it with regular payments. Once the term is paid out, ownership transfers to you — a middle ground between leasing and owning outright.

What You’ll Need

Your ABN, ID, and basic details of the equipment and supplier. Larger or full-doc deals may ask for financials or bank statements; many smaller deals can be done on low-doc terms. A broker tells you exactly what applies.

New Or Used Gear

You can finance brand-new equipment from a dealer or used gear from a dealer or private sale. Age and condition can affect the term and rate offered, so it’s worth checking before you commit to a purchase.

The Tax Side

Different structures are treated differently for GST, depreciation and deductions, and the instant asset write-off may apply in some cases. The right setup depends on your situation — always confirm with your accountant or tax agent.

Talk to a broker — 1300 879 872
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Why Tradies Use Equipment Finance

Keep your cash working. Spread the cost of the gear over its working life instead of paying it all upfront, so your cash stays free for wages, materials and the next job.

Get the gear earning sooner. Finance lets you put the equipment to work straight away rather than waiting until you’ve saved the full amount.

Repayments that suit your cash flow. Terms can be matched to how the asset earns, with options for seasonal or uneven income.

Possible tax benefits. Depending on the structure, repayments, interest or depreciation may be deductible — confirm the detail with your accountant.
Get an equipment finance quote

How Equipment Finance Works

Getting equipment finance sorted through Tradie Finance is quick. Here’s how it runs from first call to gear in your yard.

  • Tell Us What You’re Buying

    Give us the equipment, the supplier and roughly what it costs.

  • Send A Few Details

    Your ABN and ID to start — financials or statements only if the deal calls for it.

  • We Shop It Around

    We compare lenders to find a structure and rate that fits how you work.

  • Talk It Through

    A broker walks you through the options and answers your questions — no jargon.

  • Assessment

    The lender reviews the application and confirms the terms on offer.

  • Sign Off

    Review and sign the finance documents once you’re happy with the terms.

  • Funds Released

    The supplier gets paid and the gear is yours to put to work.

Why Tradies Choose Tradie Finance

We work with tradies and small businesses every day, so we know the gear and we know the lenders. One point of contact: a broker who handles the legwork and keeps you posted. Choice of lenders: we compare options to match the structure and term to your job, not a one-size deal. Straight talk: clear answers on what’s involved, what it’ll cost and what to expect — no jargon, no runaround.

Request a callback
Talk to a broker — 1300 879 872
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Equipment Finance FAQs

General information only — not financial, credit or tax advice. Finance is subject to lender approval, terms and conditions. Consider your own circumstances and speak to a broker, and to your accountant for tax matters, before deciding.

Get Your Equipment Finance Sorted

Ready to put the gear to work? Get a quick equipment finance quote online, or call our brokers on 1300 879 872 to talk through the right structure for your business. No obligation — just straight advice.

How much do

Use our Finance Calculator to work out monthly, fortnightly or weekly repayments.
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Equipment Finance for ABN Holders

Equipment finance is available to ABN holders across any trade or industry. If you run a business with an active ABN, you can usually finance the tools, plant and machinery you need — new or used. Newer ABNs and businesses without full financials still have options through low-doc equipment finance, and many ABN holders own the asset from day one with a chattel mortgage. Approval is subject to lender criteria and your circumstances.

General information only — not financial, credit or tax advice. Tradie Finance operates under Australian Credit Licence 506065 (Five Tees Pty Ltd). Lending is subject to approval, terms and conditions.