The Right Equipment. The Right Finance.
Equipment Finance Broker in Sydney & Hurstville
From machinery and commercial vehicles to IT and fitouts, Finch Financial arranges equipment finance for businesses across Sydney and NSW.
Whatever Your Business Needs, We Can Finance It.
Commercial Business Asset & Equipment Finance in Sydney
From machinery and manufacturing equipment to commercial vehicles, trucks and technology, Finch Financial arranges equipment finance for businesses across Sydney and NSW.
As specialist equipment finance brokers based in Hurstville, we access a panel of 40+ lenders to find the most competitive rates and structures, without you having to approach each lender yourself.
Types of equipment we can finance:
- Machinery and manufacturing equipment
- Commercial vehicles, trucks and utes
- Heavy vehicles and earthmoving equipment
- Agricultural and farming equipment
- Medical and healthcare equipment
- IT, technology and business fitouts
- Business tools and specialised industry equipment
Equipment Finance Made Simple.
How Business Equipment Finance Works
Equipment finance allows your business to acquire the assets it needs without paying the full purchase price upfront.
The asset itself typically acts as security, which means rates are often more competitive than unsecured business lending.
Repayments are structured over a fixed term, usually 1 to 7 years, and can be tailored to match your business cash flow.
Deposits, Balloons, Repayments.
Types of Equipment Finance Structures
The three most common structures are:
- Chattel mortgage: you own the asset from day one and can claim depreciation and interest as tax deductions
- Finance lease: the lender owns the asset during the term, with an option to purchase at the end
- Hire purchase: you use the asset immediately and ownership transfers when the final repayment is made
Self-Employed? Low Doc? We’ve Got Lenders for That.
Equipment Finance for Small Business & Self-Employed Operators
Many of our lenders specialise in equipment finance for small businesses, sole traders and self-employed operators, including low-doc and alt-doc options for those who don’t have full financial statements or tax returns.
Depending on the loan amount and lender, you may be able to qualify with as little as 12 months of bank statements or a signed accountant declaration.
Machinery, Vehicles, Heavy Equipment. We Finance It All.
Machinery Finance & Commercial Vehicle Finance
Whether you’re funding a new piece of manufacturing machinery, a commercial vehicle fleet, a truck, or heavy earthmoving equipment, Finch Financial has the lender connections and broker experience to get your application across the line.
We arrange machinery finance, commercial vehicle finance, truck finance, and heavy vehicle finance for businesses across Sydney, Hurstville and wider NSW.
Your Bank Has One Set of Products. We Have 40+ Lenders.
Why Use an Equipment Finance Broker?
When you go direct to your bank for equipment finance, you’re assessed against a single lender’s criteria at a single rate.
As equipment finance brokers, Finch Financial compares options across a panel of 40+ lenders including major banks, specialist asset lenders, and non-bank financiers, and advocates on your behalf.
This means more options, more competitive rates, and a much higher chance of approval for complex or low-doc situations.
From Start-Ups to Established Operators. We’ve Got You.
Who We Help
Finch Financial arranges equipment finance for a wide range of businesses across Sydney and NSW, including:
- Small business owners upgrading or expanding their equipment
- Sole traders and contractors needing vehicle or tool finance
- Established businesses refinancing existing equipment loans
- New businesses acquiring their first round of assets
- Operators who have been declined by their bank or need low-doc options
With access to 40+ lenders, our promise is to match you with the lender that best suits your needs
Equipment finance is a loan or lease arrangement that allows a business to acquire machinery, vehicles, tools or technology without paying the full cost upfront. The asset typically acts as security, which often results in more competitive rates than unsecured business lending. Repayments are structured over a fixed term, helping businesses preserve working capital while accessing the assets they need to operate and grow.
Almost any tangible business asset can be financed. This includes machinery and manufacturing equipment, commercial vehicles and trucks, heavy vehicles and earthmoving equipment, agricultural equipment, IT and technology, medical equipment, fit-outs and business tools. If your business needs it to operate, we can likely arrange finance for it.
These are the three most common equipment finance structures. A chattel mortgage means you own the asset from day one and can claim depreciation and interest as tax deductions. A finance lease means the lender technically owns the asset during the term, and you have the option to purchase at the end. Hire purchase sits between the two. You use the asset immediately and ownership transfers when the final payment is made. We’ll recommend the right structure based on your accounting position and GST treatment.
Yes. Many of our lenders specialise in low-doc and alt-doc equipment finance for self-employed operators and businesses with non-standard financials. Depending on the lender and loan amount, you may be able to qualify with as little as 12 months of bank statements or a signed accountant declaration, rather than full tax returns and financials.
Many equipment finance products are available with no deposit, particularly for established businesses with good credit history. The deposit required, if any, will depend on the asset type, loan amount, lender criteria and your financial position. We’ll be upfront about what each lender requires before we proceed with any application.