Forefront Equipment Finance
Equipment finance

We finance the equipment that runs your business.

Tell us the machine. One broker handles the whole file — lender match, structure, settlement. Trucks, tippers, yellow plant, ag gear. New or aged, dealer or private sale.

15+ yrs broking $100M+ settled 30+ lenders 5.0 ★★★★★ · 27 reviews
⚡ 60-second response

Tell us what you're buying

Three questions and your number — under a minute. No credit check at this stage.
By submitting you agree to be contacted about your enquiry. Indicative only — any finance is subject to lender assessment and approval, and nothing on this page is an offer of credit or financial advice. We don't run a credit check at this stage.

Got it. You're in the queue.

You'll be contacted within 60 seconds during business hours. If it's urgent, don't wait for us: 1300 982 928.

Aged machines welcome — build dates don't scare us
Private sale? Fine. Dealer, auction or a bloke's paddock
Seasonal structures — repayments that follow how your income arrives
No credit check at this stage
1
Tell us what you're buyingThree questions and your number — under a minute.
2
You'll be contacted within 60 secondsDuring business hours. A broker, not a bot.
3
You get an answer you can plan onYes, no, or a date — with repayments structured to fit.
One broker, whole fileNo call centres, no handovers
Contacted in 60 secondsDuring business hours
Aged gear welcomeBuild dates don't scare us
Private sale? Fine.No dealer required
Track record

Fifteen years on the same side of the desk.

Not a call centre that opened last year. The numbers below are settled business, not projections.

$100M+
SettledEquipment and asset finance written across the panel.
30+
Lenders on panelBanks, second-tier, specialist asset financiers and private funders.
15 yrs
In the industry2010 to 2026, broking equipment finance.
5.0★
Google ratingAcross 27 reviews from operators and owners.
How it works

Four steps. One person. No handovers.

The same broker takes the file from your first message through to the money landing in the seller's account.

1

Tell us the machine

The short form above, or a phone call. What you're buying, roughly what it costs, and where it's coming from. No credit check at this stage.

About 2 minutes
2

A broker comes back

A text lands first so you know it's moving, then a call from the person who'll actually handle the file — not a receptionist taking a message.

Minutes, not days
3

We match it to a lender

Thirty-plus lenders fund different things. We put the file where its shape already fits, and structure the repayments around how your income actually arrives.

Same day, usually
4

Approval and settlement

Documents, payout figures, the seller paid. You get an answer you can plan on — yes, no, or a date — and the same broker sees it through.

Through to settlement
Speed to answer

We come back in minutes, not days.

The slowest part of buying a machine shouldn't be waiting on the finance bloke to return a call. Submit the form in business hours and a text lands almost straight away — then a real call, from the broker who'll run the file.

A text first — so you know it's live, even if you can't take a call right now
Then a call from the broker — not a call centre reading a script
Reply to the text — it goes to a person, and it's the fastest way to move
Start the form →
CP
Chris · Forefront FinanceSMS
Form submitted · 2:14 pm
Hey Dan, Chris from Forefront Finance. Cheers for the enquiry on the excavator — I'll call you shortly. Got a specific unit in mind or still weighing up options?2:14 pm
Yeah found one at an auction Thursday. It's a 2011, does that kill it?2:16 pm
Not at all — build date isn't the problem, we fund plenty of gear that age. Auction's fine too. Ringing you now.2:17 pm
Call connected · 2:18 pm

Illustration of the actual flow. Forefront's messages are the live intake wording; the customer replies are an example. Response times apply during business hours.

Work the numbers

What would the repayments look like?

Three numbers and you've got a feel for the monthly before you pick up the phone. Indicative only — it is not a quote and not an offer of credit.

The price of the machine — or what's left of it after any deposit or trade-in.
Most equipment finance runs three to five years. A longer term lowers the monthly and raises the total interest.
9.5%
A modelling assumption you set yourself — not a rate we're offering. Real pricing depends on the lender, the asset, the security and the credit assessment.
Indicative monthly repayment
$0
per month, before fees and charges
Roughly, per week$0
What operators say

5.0 stars across 27 Google reviews

Real reviews from the operators and owners behind the machines.

★★★★★

"Chris from Forefront Equipment Finance recently organised equipment finance for my husband and I. I cannot stress enough how professional and dedicated Chris is…"

G
Gaye MaidensEquipment finance · Google review
★★★★★

"We recently used Forefront to finance a large hoist for our workshop. Chris was very easy to communicate with, our finance was approved and paid within days."

P
Patrick KingWorkshop hoist · Google review
★★★★★

"Chris has been able to get me loans for balers, air-seeders, speed tillers, tractors, trucks and loans to help with cash flow shortages while working on larger projects."

D
Dave HenryFarm & transport equipment · Google review
Where we're useful

The files other desks find hard

Most knockbacks aren't about you — they're a policy box the file didn't fit. Different lenders fund different things. Matching the file to the right one is the whole job.

Aged machines — 10, 15, 18 years old. If it earns, it's fundable.
Private sales — no dealer required.
New ABNs — signed work counts for more than years of financials.
Seasonal income — repayments that follow the grain cheque, not a calendar.
Refinance & equity release — working capital from gear you already own.
The panel

Thirty-plus lenders. One of them fits your file.

Every lender funds a different shape of deal. Knowing which one already says yes to a file like yours is most of the job.

Major banks
Second-tier lenders
Specialist asset financiers
Ag & seasonal funders
Private & non-conforming
Low-doc options

Accredited through Connective Credit Services Pty Ltd, Australian Credit Licence 389328.

Straight answers

Questions we get asked before people call.

Does enquiring affect my credit score?
No. There's no credit check at the enquiry stage. We only get to a formal application — and any credit enquiry that goes with it — once you've seen what's on the table and told us to proceed.
The machine's 15 years old. Is that a problem?
Usually not. Build date is one input, not a verdict. Plenty of lenders on the panel fund older plant and trucks where the asset still earns and the file stacks up. Age tends to affect term and structure more than whether it gets funded at all.
It's a private sale, not a dealer. Can you fund it?
Yes. Private sales, auctions and dealer purchases are all workable. Private sales need a bit more paperwork around ownership, encumbrance and payout of any existing finance on the machine — that's our job to sort, not yours.
My ABN is only a few months old.
Still worth a conversation. For a new ABN, signed work, contracts or industry experience often carry more weight than years of financials. It narrows the lender list rather than closing it — which is exactly what a panel is for.
Another broker or the bank already said no.
Most declines are a policy box the file didn't fit, not a judgement on you. A different lender with different policy can look at the same file and land somewhere else. Bring it over and we'll tell you straight what's possible.
Is the calculator a quote?
No. It's a general illustration using the numbers you type in and a rate you pick yourself. It's not a quote, an application, or an offer of credit, and it leaves out fees, charges and insurance. Real pricing comes from a lender after assessment. Treat it as a way to sanity-check a rough shape before you call.
Who actually handles my file?
Chris does. Same person from the first text through lender match, structure, approval and settlement. There's no handover to a processing team and no case number.

Tell us the machine. We'll tell you what's possible.

Two minutes on the form, no credit check, and a real broker comes back to you — usually before you've closed the tab.

Indicative only. Subject to lender assessment and approval.