Equipment Finance Australia
The right equipment can transform your business - but tying up capital in outright purchases can hold you back. Equipment finance lets you acquire the machinery you need while preserving cash flow. From excavators to medical equipment, we work with lenders across all industries.
Low doc options available. Bad credit considered.
Asset Finance Made Simple
Every business needs equipment to operate and grow. Whether you're a construction company needing excavators, a medical practice upgrading imaging equipment, or a manufacturer investing in production machinery, having the right tools is essential.
At Your Lending Friend, we help Australian businesses finance equipment across all industries. Our specialists understand different finance structures and work with lenders who know your industry. That means solutions that work with your cash flow, not against it.
Self-employed? Bad credit? Seasonal cash flow? We have options for all situations.
Equipment Finance by Industry
Specialist finance for your specific equipment needs
Heavy Industry
Specialist Sectors
Agricultural Equipment Loans
Tractors, harvesters, irrigation systems. Finance that understands seasonal cash flow and farming cycles.
Medical Equipment Finance
Specialist finance for healthcare practices. Fund imaging equipment, dental chairs, and medical technology.
Manufacturing Equipment Loans
CNC machines, production lines, industrial equipment. Scale your manufacturing capacity with the right finance.
How Equipment Finance Works
Getting your equipment financed is straightforward
Tell Us What You Need
What equipment? New or used? We'll understand your business and recommend the right finance structure.
We Compare Options
Our specialists search 40+ lenders who finance equipment in your industry. Low doc and bad credit options available.
Choose Your Structure
Chattel mortgage, lease, or hire purchase? We explain the tax implications and help you decide.
Get Your Equipment
Fast approvals and straightforward settlement. Get your equipment working for you sooner.
Checking your options won't affect your credit score
Finance Structures Explained
Different structures suit different businesses. We'll help you choose the right one for your tax situation and cash flow needs.
| Structure | Best For | GST Claim | Ownership |
|---|---|---|---|
| Chattel Mortgage | ABN holders wanting ownership | Upfront | Immediate |
| Finance Lease | Off-balance sheet financing | Over term | At end |
| Hire Purchase | Simple, straightforward structure | Over term | At end |
| Operating Lease | Equipment you'll upgrade often | No (rent expense) | Never |
| Rent-to-Own | Cash flow focused businesses | No | At end |
Not sure which structure is right for you? Talk to our team and we'll help you decide.
Industries We Serve
Construction
Excavators, loaders, cranes
Agriculture
Tractors, harvesters, irrigation
Healthcare
Imaging, dental, veterinary
Manufacturing
CNC, production lines
Transport
Trucks, trailers, forklifts
Hospitality
Kitchen, POS, fitouts
Trades
Tools, vehicles, workshops
Renewable Energy
Solar, batteries
General Requirements
Low Doc & Flexible Options
We work with specialist lenders who consider:
Equipment Finance FAQs
Common questions about equipment and machinery finance
We finance virtually any business equipment including construction machinery (excavators, loaders, cranes), agricultural equipment (tractors, harvesters), medical equipment (imaging, dental chairs), manufacturing machinery (CNC, production lines), commercial vehicles, solar systems, IT equipment, and more.
Yes. We work with specialist lenders who focus on your busin...
Yes. We work with specialist lenders who focus on your business performance and cash flow rather than just credit history. If your business is generating revenue and can service the repayments, we can often find options even with past credit issues.
Low doc equipment finance allows businesses to get approved ...
Low doc equipment finance allows businesses to get approved with minimal paperwork - typically just bank statements and BAS/GST statements rather than full financial statements. This is ideal for self-employed business owners and sole traders.
Both allow you to eventually own the equipment. With chattel...
Both allow you to eventually own the equipment. With chattel mortgage, you own the equipment from day one and can claim the GST upfront. With hire purchase, the lender owns it until the final payment, and GST is claimed gradually. Your accountant can advise which suits your tax situation better.
Yes, we finance both new and used equipment. The age and con...
Yes, we finance both new and used equipment. The age and condition of the equipment will affect the terms available. Most lenders will finance equipment up to 10-15 years old, though this varies by equipment type.
Many equipment finance options require no deposit or a small...
Many equipment finance options require no deposit or a small deposit of 10-20%. Having a larger deposit can help you secure better rates or get approved with challenging credit. We'll find options that suit your cash flow.
For straightforward applications, we can often get approval ...
For straightforward applications, we can often get approval within 24-48 hours. Low doc applications can be even faster. Settlement typically occurs within a few days of approval.
Eligible businesses can claim the instant asset write-off on...
Eligible businesses can claim the instant asset write-off on financed equipment. The current thresholds and eligibility criteria change, so we recommend consulting with your accountant. We can structure finance to maximise your tax benefits.
Still have questions? Contact our friendly team