Skip to content

Indicative answer under 24 hours

1300 982 928
Forefront Equipment Finance
Fit-out & commercial finance

Fit out the business that earns.

Workshop gear, CNC and fixed plant, hospitality and retail fit-out. Whether you're moving out of the home garage or kitting out a new site, there's a structure that suits how the asset earns.

15+ yrs broking$100m+ settled30+ lenders 5.0 across 27 Google reviews

Within the hour, business hours. No obligation on either side.

15 minutes on the phone. You'll have:

  • What you can borrow right now, and roughly what it costs
  • Two ways to structure it around how your money actually arrives
  • A straight yes, no or date on the machine you're looking at
  • New, used & private sale
  • Indicative answer under 24 hours
  • How it works
What we finance

Fit-out & Commercial, new, used, dealer or private.

Workshop gear, CNC and fixed plant, hospitality and retail fit-out. Whether you're moving out of the home garage or kitting out a new site, there's a structure that suits how the asset earns.

Know the fit-out & commercial you're after? Name it and we'll come back with what a lender will actually do.

Send it through
Specialist trade & engine-recon workshops
Woodtek CNC machine in a working timber workshop
Kwik-Way connecting rod machine in a working engine reconditioning workshop
Newen Cylinderchief BB3 valve seat machine
Sunnen CV-616 Cylinder King cylinder honing machine
Sunnen conrod resizing machine
What shapes a fit-out file

We read the file before we pick the lender.

Chattel mortgage vs lease

Fit-out is where structure earns its keep — chattel mortgage, commercial lease or operating lease each land differently on tax and the balance sheet.

Mixed assets in one deal

A fit-out is rarely one machine. We package the gear, the install and the fixtures into a single facility where the lender allows it.

Home garage to workshop

Expanding from a sole trader to a real premises changes the file. We know what a lender needs to back the step up.

Before you send it through

Who this desk is for.

Worth thirty seconds — it saves you a call you didn't need and gets the right files moving faster.

Send it through if

  • You've got an ABN — trading now, or just starting with work lined up
  • The gear earns its keep: trucks, plant, ag, fit-out, work vehicles
  • Dealer, auction, or a private sale out of someone's paddock
  • New, aged, or a file another desk has already knocked back

We're not the right desk if

  • It's a personal or household buy — the family car, a caravan, a weekend boat
  • There's no ABN behind the purchase
  • The asset doesn't produce income — this desk funds gear that works

If that's you, don't waste your afternoon on the form — a consumer lender or your own bank will do it better than we can.

Sounds like your file? Two minutes on the form and you'll have an indicative answer inside 24 hours.

Get my finance plan

Worth a read

All resources →
Fit-out

Workshop fit-out finance — chattel mortgage vs commercial lease vs operating lease

Three ways to fund a fit-out, and how each lands on tax and the balance sheet. A plain-English read for trades, hospitality and retail.

Trucks

Trailer finance — the state-by-state registration quirks that bite at settlement

Buying a trailer in one state and running it in another? The registration and PPSR quirks that surprise first-time buyers at settlement, state by state.

Hard deals

Hard deals — the equipment finance files banks knock back (and how they still get done)

Knocked back by a bank or another broker? New ABN, private sale, arrears, a tight timeline or an unusual asset? Hard files are the work — here's how they still get funded when they're read properly and put in front of the right lender.

Start the file

Kitting out a new site?

Send the equipment list — we'll work out the cleanest way to fund it.

Get a quote