From business acquisition to quarry mobilisation.

You deal directly with James or Dan. We have worked inside credit, so we look at how a lender will assess the business as well as the equipment. The aim is to fund this purchase without losing sight of the next one.

We do not charge an upfront brokerage establishment fee. We are paid by lenders when a transaction settles. If a lender has its own fees, we will show you those in the proposed terms before you commit.

We work with commercial equipment and business vehicles across earthmoving, mining, transport, agriculture, manufacturing, aviation and other heavy industries. New, used, single assets and whole fleets are all worth a conversation. We do not arrange personal car loans.

Often, yes. Age alone does not decide it. The lender will also look at the equipment type, condition, hours or kilometres, value and how the business will use it. Tell us what you are considering before you lock in a short settlement date.

Those purchases can be financed, but the paperwork and timing matter. We may need to check ownership, identification, condition, value and how payment will be made. Auction deadlines in particular can be tight, so involve us early.

It depends on the business, the equipment, the lender and whether the information is ready. A straightforward repeat purchase may move quickly; a larger or more involved transaction needs more work. Give us the deadline and we will tell you what is realistic.

There is no one rate that fits every purchase. The lender, business profile, equipment, deposit, term and repayment structure all affect the offer. We compare the whole deal, including fees, balloon and future borrowing capacity, rather than quoting a headline rate in isolation.

Possibly. Some lenders offer reduced-documentation options for eligible businesses. We will look at whether that route actually makes sense, because a full assessment can sometimes lead to a better structure or more room for the next purchase.

We can look at the position and tell you honestly where it stands. Trading history, contracts, cash flow, deposit and the reason for any credit issue all matter. There is no blanket yes or no, and we will not promise an approval we cannot support.

Not always. It depends on the business, equipment and lender. We will weigh up the benefit of keeping cash in the business against the cost and terms of borrowing more.

That depends on the purchase, the business’s ability to repay, existing commitments and the lender’s policy. The useful question is what level of debt and repayment suits the work the equipment will do, not just the maximum someone will approve.

It is an agreed amount left to pay at the end of the term. It can reduce regular repayments, but the final amount still needs a plan. We look at likely resale value, replacement timing and the payout before recommending one.

Yes. If you are building or replacing a fleet, we can map the purchases, allocate them across lenders and consider an equipment finance limit where the business qualifies. That can help preserve capacity for what comes next.

Sometimes. Depending on the lender and the business, we may be able to assess a funding limit or obtain an indication before the final asset is known. The lender will still need to approve the actual equipment and seller before settlement.

We can review it. The existing payout, current value, remaining term and reason for refinancing will determine whether there is a worthwhile option. We will also consider how it affects your broader lender capacity.

We need the trade value and any payout on the existing loan. The equity or shortfall becomes part of the new purchase calculation, so it is best to work through both sides before you agree to the deal.

Potentially. Imported purchases need more planning around supplier terms, currency, shipping, identification and when the lender can take security. Bring us in before a deposit or payment milestone is due.

That depends on the lender and product. Some facilities allow flexibility; others may have early payout costs or a different interest calculation. If early repayment is likely, tell us at the start so we can factor it into the structure.

A chattel mortgage is common for business equipment, but it is not the only structure. Depending on the purchase, we may also consider a lease or another facility. We will explain who owns the equipment, the repayment and any final amount before you choose.

Sometimes. We need to be clear about which entity is buying the equipment, which one will use it and where the income sits. We can map the group and approach lenders that are comfortable with that structure.

Of course. Send the full terms, not just the rate. We will look at fees, balloon, security, flexibility and what the deal might mean for the next purchase. If your existing offer is the right one, we will tell you.

Tell us what you are buying, the price, seller and timing, plus a little about the business and its existing finance. James or Dan will talk through the purchase with you and outline the information needed for the right lenders.

We can assess the machine and its attachments together, including GPS, machine control, buckets, rippers and other work-specific equipment. Share the complete supplier quote and installation timing so the full purchase can be considered.

It is an agreed funding ceiling for eligible purchases during a defined period, usually reviewed annually. It can help a qualifying business plan several acquisitions without starting a fresh full application for every machine. Each drawdown still has to meet the lender’s facility conditions.