Urgent Equipment Finance

Your finance broker for fast, same-week settlements.

Equipment finance is how most businesses fund the things they need to operate: vehicles, trucks, excavators, machine tools, kitchen fit-outs, medical equipment, and IT. The loan is secured against the asset itself, which keeps the rate well below unsecured lending and means the funding does not tie up your property equity or your working capital. What varies is which lender will fund which asset, at what age, and on what documentation. Settled With Joe works across bank, non-bank, and specialist asset financiers, and Joseph Farhat and his team will tell you honestly and quickly what is achievable for your situation.

Who we can help access finance

• •Trades and construction businesses funding utes, trucks, excavators, and attachments.
• •Transport operators buying prime movers, trailers, and fleet vehicles.
• •Manufacturers investing in machine tools, CNC equipment, and production lines.
• •Hospitality operators funding a kitchen fit-out, refrigeration, or a coffee roasting setup.
• •Medical, dental, and allied health practices financing chairs, imaging, and practice equipment.
• •Self-employed borrowers and ABN holders who need the asset now and cannot produce two years of tax returns.
• •Businesses replacing equipment that has failed unexpectedly and is holding up work.
• •Owners refinancing existing equipment to release capital back into the business.

How Equipment and Asset Finance Works

The financier takes security over the asset being purchased and registers its interest on the Personal Property Securities Register. Because the loan is secured against something with resale value, rates sit well below unsecured business lending. Terms usually run from 1 to 7 years, matched broadly to the working life of the asset. Structures differ in their tax and accounting treatment: a chattel mortgage means you own the asset from day one, a lease means the financier owns it and you use it, and a hire purchase sits between the two. Which structure suits you is a question for your accountant, not for us. Joseph Farhat and his team review the asset, your trading position, and your documentation, match the scenario to the right financier from the 90+ panel, and manage the application through to settlement.

What Lenders Assess for Equipment and Asset Finance

• •The asset itself: type, age, and resale value drive everything. New and near-new assets from mainstream manufacturers get the sharpest rates and the longest terms.
• •Asset age at end of term: most financiers cap the age an asset can reach by the end of the loan, which is what shortens terms on older equipment.
• •Time in business: an established ABN with two or more years of trading opens up low-doc approvals. Newer businesses can still be funded, usually with a deposit or a property-backed structure.
• •Documentation available: many financiers will approve against an ABN and bank statements alone up to a set limit, above which full financials are required.
• •Serviceability: the lender needs to see the repayment fits alongside your existing commitments, including other equipment finance already in place.
• •Whether the asset is income-producing: equipment that directly generates revenue is assessed more favourably than a general-purpose purchase.
• •Supplier type: dealer and manufacturer purchases are simplest. Private sales and auction purchases are common but require extra verification and a PPSR check.

The Equipment Finance Process: What to Expect

1. 1.Talk to Joseph Farhat and his team about the asset, the amount, and what documentation you can produce. You will get an honest read on what is achievable before you apply anywhere.
2. 2.Provide the basics: the supplier invoice or quote, your ABN and structure details, and recent business bank statements. Full financials are often not required below the low-doc threshold.
3. 3.We match your scenario to the financiers on the panel most likely to approve the asset at a sensible rate, rather than accepting whatever the dealer offers at the counter. Every declined enquiry can leave a mark on your file, so this step matters.
4. 4.The financier assesses the file and issues an approval setting out the rate, term, any balloon, and the fees. We go through it with you, including the total cost over the term, before you sign anything.
5. 5.Settlement is paid directly to the supplier, the financier registers its interest on the PPSR, and your repayments begin. The asset is yours to put to work.

Indicative Finance Options

Why borrowers choose Settled With Joe for equipment and asset finance

• •We represent you, not the lender: Joseph Farhat and his team act in your interest from the first conversation through to settlement.
• •Dealer and supplier finance is one offer, not a comparison: it is convenient, and it is rarely the sharpest rate available to your business.
• •Asset policy is where deals fail: financiers differ sharply on asset age, type, and hours, and we know which ones will fund an older machine or a specialised piece of plant.
• •Low-doc thresholds vary: some financiers approve on an ABN and bank statements to a far higher limit than others, which can save you assembling full financials.
• •One conversation, not five applications: we approach the financiers most likely to approve your asset first, so your credit file is not filled with declined enquiries.
• •90+ lenders on one panel: bank, non-bank, and specialist, so a well-documented file on a new asset can go to a bank at a sharper rate and an older or unusual asset still has options.
• •Structure is your accountant’s call, not ours: we will explain how chattel mortgage, lease, and hire purchase differ, and leave the tax decision with your adviser.
• •Private finance for unique scenarios: where bank and non-bank lenders are not the right fit, we can introduce you to private finance options.
• •Usually no direct cost to you: as a broker we are typically paid by the lender on settlement.
• •An honest answer early: if the equipment has failed and work is stopped, talk to us first and we will tell you what is realistically achievable.