Industrial Equipment Finance.
Heavy equipment, smart structures, built around your operation.
Overview
Industrial assets, CNC machines, packaging lines, agricultural harvesters, forklifts and warehousing systems, need lenders who understand the asset, its useful life and its resale market. Generic commercial lenders often miss-price these deals or decline them outright.
We work with lenders who are experts in industrial equipment finance, including specialist lenders for new and used assets, imports and sale-and-leaseback to unlock working capital from equipment you already own.
Pricing reflects asset class, resale market and operator strength. Specialist lenders often beat majors on niche kit.
Who this is for
Key benefits
- New, used, imported and ex-demonstrator finance
- Sale and leaseback to release capital
- Terms aligned to asset useful life (up to 7 years)
- Specialist funders for niche or one-off equipment
- Seasonal repayments for agriculture operators
- GST claimable on chattel mortgage structures
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement and remain available post settlement whenever you need us.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
Standard structure for owned-from-day-one. GST claimable, full depreciation.
Off-balance-sheet, useful for technology that will be upgraded mid-life.
Sell owned equipment to the lender, lease it back. Releases tied-up capital without disrupting operations.
Pre-shipment and arrival financing for equipment from overseas, including currency considerations.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
$420k 5-axis mill from Europe, financed via import-friendly specialist with 90-day pre-shipment progress payments.
$680k header with seasonal repayments aligned to harvest cash flow.
Released $310k from owned racking to fund a new 3PL contract.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Director ID
- ABN and trading history
- Last 2 years financials (P&L and balance sheet)
- Asset or facility details
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
Niche industrial kit can be hard to value. We pick lenders who know the market and price fairly.
Financing a 7-year-life asset over 4 years inflates repayments unnecessarily. Match the term to the asset.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.