Step 1 of 4 — What do you need?
Annual revenue
When do you need it?
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Referred through our network of 60+ lenders — ABN 80 571 725 659.
Equipment Finance · WA
Banks knocked you back on asset age? We know lenders who won’t.
No obligation · We respond within the hour · Not financial advice
Equipment Finance · WA
Banks knocked you back on asset age? We know lenders who won’t.
No obligation · We respond within the hour
Repayment estimator
per month
Indicative repayments only · Subject to lender assessment · Not financial advice
What we can fund
New or used. WA or interstate sourced. Old asset, young business. We’ve seen it all and we know who lends on what.
We also finance overseas purchases — including equipment sourced from China, the US, and Europe. If it’s coming into Australia for your business, we can fund it.
Excavators, bobcats, bulldozers, graders, loaders.
Trucks, trailers, semi-trailers, refrigerated vehicles.
Tractors, harvesters, irrigation, spray equipment.
Scaffolding, cranes, concrete equipment, compactors.
Forklifts, pallet jacks, warehouse equipment, CNC.
Work boats, barges, tenders, marine equipment.
Dental chairs, imaging, surgical equipment, fit-out.
Servers, AV systems, solar, manufacturing tech.
No obligation · We respond within the hour
How it’s structured
The right structure depends on your GST position and cash flow needs. Not sure which? That’s what we’re here for.
You own the asset from day one.
The lender secures the loan against the asset. You claim GST on the full purchase price upfront. Depreciation and interest are both tax-deductible for GST-registered businesses.
Best for GST-registered businesses wanting immediate ownership
Use it, then decide.
The lender owns the asset while you use it. Lower monthly payments with a residual at the end. Option to purchase, re-lease, or return. Lease payments are fully tax-deductible.
Best when lower repayments matter more than immediate ownership
Pay it off. Then it’s yours.
You hire the asset and pay in instalments. Ownership transfers automatically when the final payment is made. Middle ground between chattel mortgage and finance lease.
Best for businesses wanting ownership without full GST claim upfront
Not sure which structure suits your business? Tell us what you need — our partners will work it out with you.
No obligation · We respond within the hour
The question everyone asks
Most WA businesses don’t. Here’s what you need to know.
Equipment finance is secured against the asset itself — the gear is the collateral. Most established WA businesses don’t need a cash deposit. The lender’s security is the asset, not your bank account.
Applies to most businesses with 2+ years ABN and solid revenue
Cash available? Putting it in upfront reduces the amount financed — lower weekly or monthly repayments. Use the calculator above to see exactly how much your deposit saves you in interest.
Every dollar deposited reduces total interest paid
A balloon defers a chunk of the loan to the end of the term — lower repayments throughout, a lump sum at the end. Refinance, pay it off, or trade the asset. Common in equipment finance for good reason.
Enables higher asset value with manageable monthly cost
No obligation · We respond within the hour · Not financial advice
How fast?
This is what typically happens when a WA business with solid trading history enquires.
Now
Takes 2 minutes. Product, amount, a few quick questions. That’s it. Your clock starts immediately.
Within 10 minutes
Our team picks up your enquiry and calls. If you prefer — we can email. Either way, fast.
+6 business hours
Your enquiry goes to our broker partners — 60+ lenders including banks and non-banks who know WA assets.
+12 business hours
Most lenders issue conditional approval within 24 hours of receiving a complete application. Subject to assessment.
+15 business hours
Paperwork signed. Settlement processed. Your gear is yours.
Your clock starts now. Enquire and we’ll call within 10 minutes.
Timelines based on typical WA business enquiries with solid trading history. Subject to lender assessment. Not financial advice. Excludes WA public holidays.
What they actually care about
Banks knock people back on factors that other lenders don’t care about. That’s why we don’t go to banks.
Age, condition, and resale value. Newer assets are easier — but plenty of lenders finance used gear. We know which ones.
ABN age, trading history, and revenue. Two years ABN and steady revenue opens most doors. Less than that — some lenders will still move.
Less critical than you think on secured lending. The asset covers the lender’s risk. A few black marks don’t automatically kill the deal.
How much you’re borrowing vs what the asset is worth. A deposit — or balloon — improves this ratio and opens more doors.
The reality
Banks knocked you back on asset age?
We know lenders who won’t.
No obligation · Subject to lender assessment
Ready?
Tell us what you need. We’ll find who says yes — fast.
No obligation · We respond within the hour · Subject to lender assessment