The library
Guides
Plain-English guides to financing commercial gear in Australia, grouped by what you are buying. Start with the general guide if you are new to this, go straight to your section if you know what you are after, or search for the thing you actually came for.
New to this
Start with the glossary
Chattel mortgage, balloon, residual,
term. Every word this site uses, translated into what an operator
would actually say.
Complete guide
Complete guide
Complete guide
Complete guide
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Asset finance
For the product itself: what a chattel mortgage is, how a lease differs from it, and what a balloon does to the repayments.
Asset finance brokers: the complete guide for operators
Looking for an asset finance broker? Your enquiry goes to at least three brokers selected for your kind of asset, free.
Read the guide- Asset finance aggregators: what they do and why it matters
- Asset finance calculator: how to read the number
- Asset finance definition: what it means for your business
- Asset finance for business: how it works and how to prepare
- Asset finance management for truck and equipment operators
- Asset finance solutions matched to your situation
- Asset finance vs business loan: choosing the right tool
- Chattel mortgage calculator: reading the figure properly
- Chattel mortgage explained: the workhorse of asset finance
- Connect asset finance: how it works and what to expect
25 more asset finance guides
- Corporate and asset finance: a guide for operators
- Director guarantees on asset finance, before you sign
- Equipment and truck finance in Sydney: the biggest market
- Equipment finance documents: the application checklist
- Equipment finance in Brisbane and south-east Queensland
- Fuel asset finance: funding tanks, bowsers and depots
- Hire purchase calculator and how the structure works
- Hire purchase explained, and where it still fits
- How asset finance aggregation works behind the scenes
- How lenders read your business credit file
- How to angle asset finance to your operation
- Insurance requirements on financed trucks and equipment
- Maple asset finance: how it fits your equipment deal
- Paying out asset finance early: costs, process and timing
- PPSR check for used equipment: what to search before you buy
- Questions to ask a finance broker before you proceed
- Resimac asset finance: how it fits your equipment deal
- Resimac asset finance: how it fits your equipment deal
- Sole trader equipment finance: same tools, sharper questions
- The asset finance shop: what it is and how it works
- Truck and equipment finance in Adelaide and SA
- Truck and equipment finance in Melbourne: the local picture
- Truck and equipment finance in Perth and WA
- What an asset finance broker actually does for operators
- What is asset finance? A plain guide for operators
Agriculture
For tractors, headers, seeders and balers, for irrigation and silos, and for livestock.
Farm machinery finance: the complete guide for operators
How farm machinery and agricultural equipment finance works in Australia: seasonal cash flow, product structures, what agri lenders assess and how to prepare.
Read the guide- Agricultural equipment finance across your whole operation
- Dealer finance vs broker for farm machinery
- Farm finance approval: what lenders look at for machinery
- Harvester finance: the biggest ticket on the farm
- Lease farm machinery: leasing versus buying explained
- Livestock finance: funding the herd, not the machine
- Machinery syndicate finance for shared farm gear
- Seasonal farm finance: repayments timed to your income
- Seeder finance: funding air seeders and planting gear
- Tractor finance in Australia: the farm's core asset
2 more agriculture guides
Truck finance
For prime movers, rigids, tippers, trailers, buses and anything else that earns its keep on a road.
Truck finance: the complete operator guide
A plain-English guide to truck finance in Australia: the products used, what lenders assess, what a broker does in the deal, and how to get quotes.
Read the guide- ABN truck finance: financing with a new or young ABN
- Bus finance for passenger transport operators in Australia
- Business truck loans: cash flow, structure and use
- Commercial truck loans: what counts and how lenders treat it
- First truck finance for owner operators
- Fleet finance: growing a truck fleet, not one truck
- Forklift truck finance: how it works in Australia
- How a chattel mortgage works for a truck
- How to finance a food truck in Australia
- New vs used truck finance: the decision through a lender's eyes
19 more truck finance guides
- No deposit truck finance: when it is realistic
- Prime mover finance: how lenders assess the heavy end
- Refinance truck loan: when it makes sense and how it works
- Trailer finance: add-on to a prime mover or on its own
- Truck finance and GST: who actually answers the questions
- Truck finance approval: what lenders actually look at
- Truck finance balloon payment: how it works
- Truck finance broker fees: how brokers get paid
- Truck finance brokers: what they do and when to use one
- Truck finance calculator: monthly repayments and total interest
- Truck finance in Australia: what's national, what's state
- Truck finance in Melbourne: a local operator's guide
- Truck finance loan: how it works and how to apply
- Truck finance pre-approval: shop with finance sorted
- Truck financing: from decision to driving away
- Truck leasing vs financing: ownership, flexibility and cost
- Truck loans explained: how truck finance works in Australia
- Used truck finance: private sales, valuations and PPSR
- What shapes your truck finance rate
Equipment finance
For excavators, forklifts, loaders and cranes, and for the gear that fits out a workshop, a kitchen or a clinic.
Equipment finance broker: the complete guide
How equipment finance works in Australia, the product family from chattel mortgage to rental, what lenders assess, and where a broker fits your deal.
Read the guide- Access equipment finance: scissor lifts, booms and telehandlers
- Alliance equipment finance: how it works and what to know
- Australian equipment finance: how it works
- Catering equipment finance for kitchens and venues
- CNC machine finance for production and manufacturing gear
- Commercial equipment finance across industries
- Earthmoving equipment finance for civil contractors
- Equipment finance approval: what lenders assess
- Equipment finance brokers: what they do and when to use one
- Equipment finance calculator with balloon: reading the trade
43 more equipment finance guides
- Equipment finance calculator: monthly repayments and total interest
- Equipment finance explained for first-time borrowers
- Equipment finance for a new business
- Equipment finance in Brisbane: a local operator's guide
- Equipment finance in Melbourne: a practical local guide
- Equipment finance interest rates: how lenders set yours
- Equipment finance loans: how they work in Australia
- Equipment finance options: which structure fits your business
- Equipment finance rates in Australia: what drives yours
- Equipment finance tax deductions, answered carefully
- Equipment lease finance: how it works in Australia
- Equipment leasing finance: how it works in Australia
- Excavator finance: from mini diggers to large machines
- Finance exercise equipment for your business
- Finance fitness equipment for your gym or studio
- Finance lease explained: renting to own in all but name
- Finance lease vs chattel mortgage for equipment
- Finance weight equipment for your gym or training business
- Financing construction equipment through the project cycle
- Financing vehicles and equipment together as you grow
- Fit-out finance: funding the space, not just the gear
- Forklift finance for warehouses, yards and logistics
- Gym equipment finance for facility operators
- Heavy equipment lenders: who lends and how they differ
- Low doc equipment finance: what it is and what it trades
- Medical equipment finance for practices and clinics
- Mining equipment finance: how it works in Australia
- Office equipment finance: funding soft assets
- Plant and equipment finance for civil, hire and trades
- Plant hire finance: funding a hire fleet
- Refinancing an equipment loan: cheaper, longer or consolidated
- Rent to own equipment vs conventional finance
- Rob Sinclair equipment finance: what to know before you apply
- Sale and leaseback: unlocking cash from gear you own
- Seasonal equipment repayments: fitting the loan to your revenue
- Skid steer finance: how lenders read the purchase
- Small business equipment finance: a practical guide
- The operating lease: paying for use, not ownership
- Trading in equipment that's still under finance
- Used equipment finance without the traps
- What drives equipment finance rates in Australia
- What is equipment finance and how does it work
- Workshop equipment finance: hoists, compressors and gear
Working out what the repayments would look like? Use the repayment calculator. It runs in your own browser and nothing you type into it is sent anywhere.
Read enough?
One form, sent to at least three brokers matched to your kind of asset, so you can compare what comes back. Business and commercial use only.