Speak with an equipment finance specialist
Ready to move on your next asset? Call, email, or send an enquiry and we'll get straight back to you.
We keep it personal. You'll speak with a specialist who understands how commercial asset finance actually works — the right structure, the right lender, and a competitive rate — and who'll tell you straight whether a deal stacks up.
Who it's for
Australian businesses, tradies, transport, civil and agribusiness operators.
We work with businesses across Australia
We arrange equipment and asset finance for businesses in every state and territory. Reach us by phone or email — we'll talk through your situation and what's achievable, with no obligation and no credit-file hit just to ask.
A quick call gets you a quick answer
When you get in touch, it helps to have a rough idea of the asset and amount, your ABN, and whether a director owns property. With that we can usually tell you on the spot whether low-doc is on the table and which lenders are likely to fit — but if you don't have it handy, a conversation works just as well.
Straight answers, no obligation
We'd rather tell you a deal doesn't stack up than push you into the wrong one. Whether you're ready to buy this week or just sounding out what's possible, you'll get a plain-English read on your options and honest guidance on the structure, the rate and the right lender for your situation.
Send us a deal you've been offered
If a dealer or bank has already put a finance offer in front of you, send it through and a broker will read the fine print — the real rate, the balloon, the fees and the exit terms — and tell you whether to take it or whether we can do better. There's no obligation either way.
Get in touch before you go shopping
The best time to call is before you've committed to an asset. A pre-approval typically holds for around 90 days, so you can negotiate as a cash-equivalent buyer and move quickly when you find the right truck, machine or vehicle. Get the finance sorted first and the rest is straightforward.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Yes. Equipment Financing Australia is a brand of Model Mortgages Pty Ltd, which holds Australian Credit Licence 387460 (ABN 82 108 681 063). Our full licensing details and dispute-resolution information are set out in our Credit Guide.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.