Investing in new or used agricultural equipment is rarely a small decision. Whether you are replacing an ageing tractor, upgrading to a more efficient header, or expanding your contracting fleet, the cost can run into hundreds of thousands of dollars. For many Australian farmers and agribusiness operators, farm machinery loans…

If you are looking at heavy machinery loans to fund an excavator, loader, dozer, grader, crane, telehandler, or other mobile plant, the decision is rarely just about the monthly repayment. In today’s Australian lending market, lenders typically look at the full picture, your trading strength, the machine’s resale profile, your…

Running a business in Australia often means relying on vehicles, machinery, technology, or specialised tools to generate income. Replacing or upgrading that equipment can be expensive, and paying upfront may reduce working capital at a time when cash flow needs to stay stable. Business equipment loans are commonly used by…

Heavy machinery is one of the biggest investments a construction or earthmoving business will make. Excavators, bulldozers, loaders, cranes, and specialised plant are essential to winning contracts and getting work done — but paying for them upfront can put serious pressure on cash flow. Heavy machinery loans allow Australian builders,…

Australian farming is changing fast. Between rising input costs, climate variability, and rapid advances in precision agriculture, investing in the right machinery has never been more important — or more expensive. That’s why farm machinery loans are one of the most common finance tools used by Australian farmers to upgrade…

If you’re a small business owner, tradie, or contractor planning an equipment purchase before 30 June 2026, understanding how the instant asset write-off works alongside equipment finance could save you thousands. The $20,000 instant asset write-off for equipment allows eligible businesses to claim the full cost of qualifying assets as…

If your business owns valuable equipment — trucks, trailers, plant, workshop machinery, medical gear, or commercial-fitout equipment — you may be sitting on a hidden source of working capital. Instead of leaving that value locked up on the balance sheet, some Australian businesses use equipment refinance or sale-leaseback to convert…

Buying pre-owned machinery can be a smart way to keep cash in the business while still upgrading capability. But finance can feel less straightforward when the asset is older, the seller is private, or the equipment doesn’t come with a neat dealer invoice. This guide to used equipment finance Australia…

Getting equipment finance can be challenging when your ABN is new, your trading history is short, or your financials don’t yet show a full year of consistent revenue. That’s why many lenders treat newer businesses differently to established operators — even if you’ve got strong skills, solid contracts, and clear…

For many self-employed Australians, getting finance approved can feel harder than it should. Traditional lenders often want years of financial statements, detailed tax returns, and extensive paperwork — which doesn’t always reflect the reality of running a business. That’s where low doc equipment loans come in. These loans are designed…

Applying for equipment finance can feel complex at first, but understanding lender requirements and preparing the right documents may help make the process smoother. This guide outlines eligibility criteria, key paperwork, and what to expect from application through to approval.

Equipment loan interest rates can vary widely between lenders, loan structures and borrower profiles. This guide explains average equipment finance rates in Australia for 2026 and shows how to use a repayment calculator to compare costs before choosing a loan.

Choosing the right equipment finance structure can influence your cash flow, tax position and long-term ownership costs. This guide compares chattel mortgages, finance leases and hire purchase to help Australian businesses understand how each option works and what to consider before deciding.

Buy Now, Pay Later has become part of everyday spending for many Australians. Afterpay, Zip, Klarna, and similar services are often used for groceries, clothing, travel, or household items. Because they feel informal and interest free, many borrowers are surprised to learn that BNPL can still matter when you apply…

Refinancing in 2026 to save money is top of mind for many Sydney homeowners. Not because everyone expects dramatic rate cuts, but because more borrowers are starting to question whether staying loyal to the same lender is quietly costing them more than it should. If your home loan has not…