Business loan broker

Equipment Finance Melbourne For Vehicles, Plant & Machinery

Structured finance solutions for established Melbourne trades and civil businesses, backed by 25+ years of experience.

See How It Works
25+ years industry experience
Trusted by 50+ lenders
Fast Approval (2–4 hours)

Who We Work With

Our services are designed for established businesses that need the right finance structure, not just the fastest approval.

  • Established businesses (2+ years)
  • Trades, civil & equipment operators
  • Needing multiple vehicles or machines
  • Financing $50K – $200K+ assets

If you’re looking for small personal loans or one-off consumer finance, this may not be the right fit.

Equipment Finance Melbourne, Done Properly.

As an experienced equipment finance broker in Melbourne, we work with a wide range of lenders to match your business with the right solution based on:

  • Your financial position
  • The type of asset
  • Your long-term business goals

This ensures you’re not locked into the wrong structure or paying unnecessary costs later.

Equipment & Asset Finance Options

We help Melbourne businesses finance a wide range of commercial assets.

Plant & Machinery Finance

Machinery finance Melbourne

Plant and equipment funding

Manufacturing and workshop equipment

Earthmoving Equipment Finance

Excavator finance

Skid steer and bobcat finance

Civil and construction equipment

Truck & Vehicle Finance

Truck finance Melbourne

Commercial vehicle finance

Ute and trade vehicle funding

Fleet Finance Solutions

Multi-vehicle finance

Business fleet expansion

Ongoing asset funding strategies

Why Not Just Go Direct to a Bank?

Many business owners assume going directly to their bank is the simplest option, but it often leads to the wrong outcome. Here’s why:

  • Banks only offer their own products, not what’s best for you
  • If you don’t fit their criteria, you risk a decline on your credit file
  • They don’t structure deals around your long-term business plans

We’ll assess your situation first, then match you with a lender whose criteria and product actually suit your needs.

Speak With a Specialist

Loan Experience That Makes the Difference

Nick McMahon is a member of the Commercial Asset Finance Brokers Association of Australia (CAFBA), bringing over 25 years of experience in the asset finance industry.

  • Working in automotive and finance since 1999
  • 10 years with Esanda Finance (sales, credit & operations)
  • 5+ years with Quantum Business Finance
  • 25+ years as a broker in Melbourne

This depth of experience means better lender matching, stronger deal structuring, and fewer surprises during approval.

Most importantly, it ensures your finance is aligned with your long-term business strategy, not just a quick approval.

Real Equipment Finance Outcomes for Melbourne Businesses

Every business is different, and so is every finance solution. Here are a couple of recent examples of how the right structure and lender choice made a measurable difference.

Case Study 1

Client Situation

Three directors acquired an existing stockfeed manufacturing business and required $200,000 in equipment finance for a stock feed trailer. While all had strong industry experience, the entity itself was brand new with no trading history.

Challenge

Traditional lenders typically require:

  • Established financials
  • Proven business performance

With no trading history, the application presented a higher perceived risk – despite the directors’ experience.

Strategy

We structured the application to shift the focus from the entity to the operators, including:

  • Highlighting the directors’ extensive industry experience
  • Preparing detailed cash flow projections
  • Supporting the deal with existing supply contracts and forward work

This reframed the deal from “new business risk” to continuity of an established operation.

Outcome

  • $200,000 finance approved
  • Competitive lending terms secured
  • Business able to operate immediately with required equipment

The clients successfully transitioned into ownership with the funding needed to maintain and grow operations from day one.

Case Study 2

Client Situation

A construction company required $85,000 in funding to purchase a portable building for on-site accommodation during a large regional project.

Challenge

The business did not have up-to-date financials, which typically limits access to traditional lending – particularly for asset purchases.

Strategy

We built a commercially-driven case by focusing on real-world viability:

  • Leveraged the owner’s strong asset position and track record
  • Demonstrated project stability and ongoing work
  • Provided evidence of existing accommodation costs (regional motel expenses)

This positioned the purchase as a cost-saving, operational necessity, not just an expense.

Outcome

  • $85,000 finance approved
  • No full financials required
  • Immediate cost savings vs ongoing accommodation expenses

The client secured a practical long-term solution while improving project profitability.

A Simple, Structured Lending Process

1

Initial Enquiry

Quick discussion to understand your needs

2

Full Assessment

Review of your business, asset and requirements

3

Lender Matching

Selection of the most suitable lender and structure

4

Loan Approval

Smooth process through to funding

What Melbourne Businesses Say

We focus on getting the structure right from the start. Here’s what clients say about working with us.

  • Nick has been outstanding across multiple deals. He takes a long-term approach, prioritises the right outcome, and communicates clearly throughout. The process is always smooth and well-managed.
    Luke Wassell
    Director, FORM
  • We’ve worked with Nick for over 10 years and couldn’t be happier. He’s knowledgeable, professional, and consistently goes above and beyond to make the process easy and stress-free. Highly recommended.
    Scott Croker
    role?, company?

Common Questions About Business Loans

Most approvals are completed within 24–48 hours once all required information is provided.

Simple applications can be approved faster, while more complex deals (larger amounts or unique financials) may take slightly longer. The goal is to match you with the right lender upfront to avoid delays.

This depends on your business, but typically includes:

  • Basic business details
  • ABN and trading history
  • Financials or bank statements
  • Details of the asset you’re purchasing

For established businesses, the process is usually straightforward and can be handled quickly.

Yes, having existing finance doesn’t automatically prevent approval.

Lenders will assess your overall financial position, cash flow, and ability to service additional repayments. In many cases, structuring the deal correctly makes all the difference.

Yes. Access to a broad panel of lenders means your application can be matched to one that suits your specific situation.

This increases the likelihood of approval and helps ensure the structure and terms are aligned with your business needs.

Going directly to a bank limits you to their products and lending criteria.

A broker compares multiple lenders and structures the deal based on your business goals, not just what one institution offers. This often leads to a better outcome and fewer issues during the approval process.

Most business-related assets can be financed, including:

  • Plant and machinery
  • Excavators and earthmoving equipment
  • Trucks and commercial vehicles
  • Trade equipment and tools

If the asset supports your business operations, it’s typically eligible.

In many cases, the lender pays the broker, meaning there are no direct out-of-pocket fees for you.

If any fees apply, they will always be clearly explained upfront before proceeding.

Yes, this is quite common.

Different lenders have different criteria, and a decline from one doesn’t mean you won’t be approved elsewhere. Reviewing the structure and selecting the right lender can often turn a previous decline into an approval.

Get the Right Finance Structure From the Start

If you’re planning to finance vehicles, plant or equipment, getting the right structure early can save you time, money and stress later. Speak directly with an experienced asset finance specialist.