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Equipment Finance Specialists
Equipment and machinery finance, arranged by independent brokers.
We compare 50+ lenders to finance new or used machinery, vehicles and equipment. Based in Brisbane, working with businesses across Australia.
- ✓50+ lenders on our panel
- ✓Independent: we work for you, not a bank
- ✓Low doc and no-deposit options
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5.0 ★
from 1,400+ five-star reviews
50+
lenders on our panel
20+ years
finance experience
ACL 518268
Australian Credit Licence
★★★★★Verified review
I had a fantastic experience dealing with Jackson. He made the entire finance process incredibly easy and straightforward from start to finish.
Daniel Agostini
Kane was AWESOME. He guided me through every step to get my loan, and we got there in the end. Friendly and professional.
Aaron Lyttle
A massive thank you to Chad Masri for providing such a seamless experience from start to finish throughout my car buying journey.
Siluni Kumarapperuma
I was fortunate to work with Connor from eCarz. He was extremely helpful, clear communication and very very efficient.
Raigan Meadows
Had an absolutely fantastic and stress-free experience… Mick made the whole process incredibly easy and hassle-free.
Dom
We had a great experience with eCarz group! Gary was very helpful and straight up from the start.
Christine Puddephatt
David provided a very efficient and straightforward process… Highly recommend the group.
Peter Sproule
Everything went very smoothly. Happy with the price.
Thaddeus Kulig
Read all 1,400+ reviews →
Free loan health check
Already have a equipment loan? Is it still the best deal for you?
We’ll review your current loan for free, with no obligation. If we can find you a better option, we’ll let you know. If we can’t, we’ll tell you that too.
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Equipment finance: what we offer
Choose your industry or machine to see how we finance it, then come straight back here.
Construction equipment finance When working in construction, it’s vital that you have the right tools for the job. We arrange finance for new and used construction machinery, and your broker explains your options in plain English. Learn more → Crane finance Projects that need serious lifting power need the right crane. We help contractors and project managers secure crane loans tailored to their projects, compared on term, deposit and repayment structure. Learn more → Earthmoving equipment finance When it’s time to move the earth, you need machinery you can rely on. We work with lenders experienced in heavy machinery, new or used. Learn more → Excavator finance In construction, earthmoving or civil works, the right excavator can make or break a project. Flexible excavator loans keep your cash flow strong. Learn more → Farming equipment finance Upgrade your gear without breaking the bank. Agriculture equipment loans make it easier to access the machinery you need, with repayments that can follow your income cycle. Learn more → Hospitality finance Expanding your café, upgrading bakery equipment or launching a franchise? Hospitality finance doesn’t have to be complicated. Learn more → Laundromat business loans Buy or upgrade commercial washers, dryers and other laundry equipment, whether you’re opening your first store or expanding an established one. Learn more → Printing equipment finance From commercial print shops to businesses that need large-scale printers, we help you access the equipment you need without the upfront capital outlay. Learn more →
Calculate your repayments!
Use our handy finance calculator to better understand your repayments on machinery and equipment.
Speak to a broker
A broker can confirm the real rate and repayments for your situation, free and with no obligation.
Loan amount
Months
Interest rate
Balloon %
Your monthly repayments: $1,933 With a balloon payment of $0
General information only. Estimates are based on the figures you enter, exclude lender fees and aren’t a quote or financial advice. Your actual rate and repayments depend on the lender and your circumstances. Seek your own independent advice. More calculators →
Your trusted equipment finance broker, Australia wide
50+ lenders
We compare every option to find the right fit, wherever your business is based.
Big savings on fees
Competitive rates and lower fees and charges across our panel.
We handle the paperwork
Continued support and document management from quote to settlement.
High approval ratings
A dedicated team that works for you, not the banks.
Equipment finance FAQs
What is equipment finance?+
Equipment finance is a business loan or lease used to purchase machinery, vehicles or equipment without paying the full cost upfront. Repayments are spread over an agreed term, and the equipment itself is often used as security for the loan.
What’s the difference between equipment finance and machinery finance?+
“Machinery finance” typically refers to equipment finance for heavy machinery, such as construction, earthmoving or agricultural equipment, while “equipment finance” is the broader term covering any business equipment.
How much can I borrow for equipment or machinery finance?+
Loan amounts depend on the lender, the equipment type and your business’s financial position. Through our panel of 50+ lenders we can typically arrange finance from a few thousand dollars up to several million, depending on eligibility.
Do I need a deposit for equipment finance?+
Many of our lenders offer no-deposit equipment finance options, financing up to 100% of the equipment’s value. Whether this applies depends on the lender and your business’s circumstances.
How long does approval take?+
Approval times vary by lender, but many applications are assessed within 24–48 hours once documentation is submitted.
I’m self-employed and my financials don’t reflect my true income.+
We have lenders that will do low doc lending. We also have lenders that go off bank statements rather than financials. So yes, you do have options.
Does a low doc loan cost more than providing full financials?+
Not necessarily. All lenders have different guidelines. With many, if you meet the criteria they’re looking for, no. With others you may pay a little more.
Do I have to own property to get a low doc loan?+
It depends on how long you’ve been in business. If you’ve been in business for more than 12 months, that starts to open some doors. If you have a good credit score and decent bank statements, we can work with that too. So not necessarily.
I’ve had credit issues before. Can you help?+
Depending on how severe the credit issues are, we may be able to help.
I’ve just started a business. Can you help?+
The short answer is potentially yes. We’ll need documents such as a work source letter if you’re buying a machine to work with a specific employer. Lenders may look at things like industry experience, business plan and projections. If you can supply the required documents, there’s a good chance we can help. A deposit can also go a long way with a new business venture: lenders usually look for a 20% contribution towards the asset to reduce their risk.
Do you do rent to own?+
Yes, we do.
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6/35 Paringa Road, Murarrie QLD 4172
Mon to Fri 9:00am to 5:30pm · Sat by appointment
1300 378 387
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Credit services provided by eCarz Finance Pty Ltd ABN 71 617 296 241, Australian Credit Licence 518268. Part of the eCarz Group.