Equipment finance, explained by someone who's done it.
Plain-English guides on the files we see most weeks — refinancing, private sale, approvals, seasonal repayments and the hard ones.
Trucks #1 to #3 — why the first prime mover is the hardest, and why the third often unlocks fleet finance
The first three truck files are nothing alike. Why truck #1 is the hardest finance you'll write, where the serviceability pinch hits on #2, and why #3 often opens up fleet appetite and bank-style rates.
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Refinancing equipment when the seller still owes money on it
Buying gear that's still under finance? The payout-and-take-over mechanics, the PPSR release, and why most brokers won't touch these files — but we run them weekly.
Yellow plant private sale — the paperwork most sellers don't have ready
Buying used plant direct from another operator? The exact paperwork list that stops a private-sale excavator file stalling at settlement.
Earthmoving fleet refi — what changes from owner-operator to five trucks
Scaling from one machine to a fleet changes your whole finance picture — balance sheet, file shape, and which lender category will even engage. What shifts, and when.
Family-farm tractor refi — the three quirks that catch first-timers
Partnership-to-company restructures, ABN-age gaps, captive-finance end-of-term — the three things that catch first-time farm-business refinancers, and how to get ahead of them.
Why some equipment deals settle in 24 hours and others take three weeks
Same asset, wildly different timelines. The handful of things that decide whether your equipment finance settles tomorrow or next month — and which you control.
Truck refinance for cash flow — when it works, and when it doesn't
Pulling equity out of a truck to fund working capital can be smart or a band-aid. How to tell which, what the rate impact is, and the ATO-debt angle most operators miss.
Equipment finance after a bad year — what credit teams forgive, and what they don't
Drought, a lost contract, a cash-flow hit. One bad year on the financials isn't the end of a finance file — here's what credit teams read into it, and what to put in front of them.
Refinancing equipment with arrears — what's still possible
Behind on an existing contract? It's not automatically a no. What credit teams will still look at, what the rate cost is, and what to do first.
Prime mover refinance — what lenders see, and the 3 things that kill approvals
Sitting on a prime mover loan two or three years in? The three patterns that most often kill a truck refinance — LVR after depreciation, conduct, and business trajectory — and how to get ahead of each.
Bank vs non-bank equipment finance — what the 200bps actually buys
For a lot of deals the real choice isn't bank or non-bank — it's whether chasing a marginal bank approval for weeks beats going straight to a lender that wants the deal. What the rate gap actually costs, and why downtime usually costs more.
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.
Ag machinery finance — the seasonal repayment options most brokers skip
Farm cash flow doesn't run monthly. The seasonal, annual and skip-month repayment structures that line equipment finance up with how the year actually pays.
What "subject to credit" actually means — and how to make it less of a coin-flip
The most slippery phrase in finance, decoded. What it legally covers, what the real probability behind it is, and how to tighten your file so it becomes a real answer.
The 4 numbers every equipment lender asks before they quote
Turnover, asset price, deposit, trading history. Have these four ready and the conversation with any lender gets a lot shorter.
Why a private-sale truck needs a different file shape
No dealer in the middle changes the paperwork, not the outcome. What private sale actually changes about a truck finance file — and where to put it.
Excavator finance — how credit teams read Komatsu, CAT, Hitachi and Kobelco
Not which excavator brand is best — how credit teams read the four majors when the file lands on their desk, and what the brand on the invoice actually changes about your finance.
Chattel mortgage vs the alternatives — structure and tax
Replacement topic in the works.
Instant asset write-off — what the current thresholds mean
Replacement topic in the works.
Send the invoice. We'll start the file.
Tell us what you're buying and where the deal is at. Straightforward or complex, you'll get a straight read on your options and a broker who runs it to settlement.