Lease
Use the equipment for a fixed term with predictable repayments; upgrade, extend, or purchase at the end (subject to terms) — great for preserving working capital.
At Unconditional Finance, we understand that having the right tools and technology is essential to running a successful business. Our equipment and machinery finance solutions are designed to help you invest in new assets or upgrade existing ones — without tying up your valuable cash flow.
Whether you need heavy machinery, office technology, agricultural equipment, or industrial tools, we make the process simple, flexible, and transparent — so you can focus on growth, not paperwork.
Our asset finance team handle the details — comparing rates, tailoring terms, and ensuring every step is transparent. With access to over 30 trusted lenders and a commitment to clear communication, we make equipment finance not just faster, but smarter — so you can move with confidence.
Your business is unique — and your finance should be too. We offer a full range of commercial equipment financing structures to suit your business model and tax strategy. Choose from Lease, Hire Purchase, Novated Lease, or Chattel Mortgage.
Our team will clearly explain each option — including ownership details, repayment structures, and potential tax benefits — so you can make a confident, informed decision that benefits your bottom line.
Use the equipment for a fixed term with predictable repayments; upgrade, extend, or purchase at the end (subject to terms) — great for preserving working capital.
Hire the asset while making fixed repayments; ownership transfers to you after the final payment — simple and predictable.
Salary packaging with repayments made by your employer from pre-tax income — a flexible option for eligible employees.
Own the equipment from day one while the lender takes a mortgage over it; flexible terms and potential tax advantages for business use.
No two businesses operate the same way. That’s why we tailor every equipment finance package to your goals, budget, and cash flow.
Our process is simple: we assess your requirements, match you with the right lender, and secure the funding you need — fast.
Exploring Equipment & Machinery Finance — great choice. If you’re also considering finance for vehicles, caravans, boats, or working capital, we can help compare options from 30+ lenders to find competitive rates and flexible terms.
Secure a vehicle with competitive rates and terms that fit your operations.
Flexible structures for dealer or private-sale purchases.
Own your dream bike with fast approvals and clear repayments.
Flexible terms and balloon options to match your travel plans.
Set sail with fixed or variable rates tailored to your budget.
Bridge gaps with working capital designed for growth.
We partner with over 30 leading lenders to deliver competitive equipment finance rates — negotiating terms that save you money and support strong cash flow.
Choose monthly, quarterly, seasonal, or balloon structures that align with your business cycle and budget.
Our streamlined approach delivers quick approvals and clear communication — minimising downtime and keeping your projects on track.
The Unconditional Advantage
Not all mortgage brokers — or banks — offer the same level of service. Here's what you can expect when you work with us.
| Service | Unconditional Finance | Banks | Other Brokers |
|---|---|---|---|
| Access 60+ lenders with hundreds of loan products | ✓ | ✗ | ? |
| Completely free service with no hidden fees | ✓ | ✓ | ✓ |
| Guide you through the entire mortgage process | ✓ | ✗ | ? |
| Negotiate the best rates across all lenders | ✓ | ✗ | ? |
| Communicate via phone, email, video call or in-person | ✓ | ✗ | ? |
| Re-price your rate every 6 months post-settlement | ✓ | ✗ | ✗ |
| Free advice and strategy sessions — no obligation | ✓ | ✗ | ? |
| Educational resources including calculators & guides | ✓ | ✓ | ? |
| Assist with government grants & LMI waivers | ✓ | ✗ | ? |
| Strategic loan structuring for portfolio growth | ✓ | ✗ | ? |
| Available 7 days a week — including evenings | ✓ | ✗ | ? |
Practical benefits that keep your equipment finance simple, affordable, and transparent.
New & Used Equipment
Finance available for new, used, and privately purchased equipment and machinery.
1–7 Year Terms
Choose a term that suits your budget and goals.
Fixed Interest Rates
Enjoy budgeting stability with fixed-rate options.
30+ Trusted Lenders
A wide panel ensures competitive rates and flexible options.
Balloon Options
Lower repayments now with a balloon or residual at term end.
Low-Doc Options
Minimal documentation required; low-doc loans up to $250,000 for eligible businesses.
Take the first step toward the tools your business needs — with competitive rates, flexible repayments, and expert support every step of the way.
It’s a type of business loan that allows you to purchase or lease essential equipment without using up your working capital. You get immediate access and repay the cost over time through manageable instalments.
We can help finance most business-critical assets, including construction and earthmoving machinery, manufacturing and industrial equipment, medical and dental technology, office and IT equipment, agricultural machinery, and commercial vehicles and tools.
Not always. We offer low-doc and no-financials options for eligible businesses. With 12+ months trading and solid cash flow, you may qualify for low-doc equipment finance up to $250,000.
Preserve cash flow, spread costs with predictable payments, access potential tax benefits (depending on structure), upgrade easily as technology changes, and avoid depreciation risk if you lease.
Flexible terms from 1–7 years with schedules aligned to your business cycle — monthly, quarterly, or seasonal. Balloon/residual options can reduce regular repayments.
With documentation ready, approvals can often be completed within 24–48 hours; for low-doc or pre-qualified businesses, potentially faster.
Yes. We regularly arrange finance for used or private-sale machinery and manage a secure, compliant process between you, the seller, and the lender.
Typically: Business ID (ABN, driver’s licence), proof of income/cash flow (financials or BAS), and equipment details (quote/invoice/seller info). We’ll guide you step-by-step for a smooth approval.
Yes — start-ups can still qualify, especially via low-doc or vendor finance programs. We’ll explore all available options to secure the funding you need.
It could save you thousands! it’s time to play smart and move fast in the sydney market.
Call unconditional finance now for cost-free professional advice.
Experienced professionals delivering strategic lending advice, seamless execution and long-term financial confidence.
Principal Finance Broker
18 Years in the Industry
Founder and award-winning broker specialising in strategic loan structuring for long-term portfolio growth.
Meet Chris
Senior Mortgage Broker
7 Years in the Industry
Portfolio-focused broker helping clients build repeatable, strategic property investment success.
Meet Joel
Operations Manager
16 Years in the Industry
Highly organised finance professional ensuring smooth, efficient progress from submission to settlement.
Meet Stephanie
Credit Analyst / Broker
15 Years in the Industry
Former banker with deep lender process expertise, crafting strong applications for smooth approvals.
Meet William
Credit Analyst
8 Years in the Industry
Strategic analyst with strong banking and broking experience, supporting confident investment decisions.
Meet TJ
Credit Analyst
5 Years in the Industry
Detail-driven analyst focused on compliance, clarity and client-first lending support.
Meet Reece
Settlements Specialist
17 Years in the Industry
Settlement expert known for friendly communication and delivering smooth, stress-free completions.
Meet NicoleAt Unconditional Finance, we’re proud to be a leading mortgage brokerage trusted by thousands across Australia. With over new awards each year recognising our excellence in service and outcomes, we deliver award‑winning mortgage solutions tailored to your needs.
Trusted. Licensed. Awarded.
We don’t just arrange mortgages — we build long-term financial confidence with strategy, clarity, and care.
Proudly accredited by the Mortgage & Finance Association of Australia — a benchmark for professionalism and industry expertise.
Founded by Chris, an award-winning mortgage specialist and seasoned investor, recognised with multiple Top 100 Broker honours.
Over two decades of helping individuals, families, and investors secure finance solutions that support long-term financial success.
Recognised year after year as one of Sydney’s leading mortgage brokers for service excellence and outstanding results.
Fully licensed and registered with ASIC, ensuring compliance, integrity, and expert navigation of lending complexities.
Your aspirations are at the heart of every recommendation we make — your best interests always come first.
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