Equipment & Asset Finance
for the Capital Region.

That's a limit on their policy, not a judgement on your business. The usual next step is a second asset financier alongside the existing relationship — the bank keeps the transactional business, the plant sits elsewhere. That's what access to 100+ lenders is for. If we're not a fit, you've still had a useful conversation.

A shorter trading history isn't an automatic no. Some funders will consider a business under two years old where there's strong asset security, an established director track record, or contracted forward income — assessed case by case, and never guaranteed. If it's not a fit, we'll tell you early.

No. An excavator costs far more than the $20,000 instant asset write-off threshold, so it goes into the small business simplified depreciation pool instead. Whether that threshold is law for the current financial year is a live question — we set out the position in our instant asset write-off article. Confirm your own treatment with your accountant.

Yes, with more steps: a PPSR search, usually an inspection, and payout of any registered security before title transfers. Auctions add a settlement deadline, so arrange the finance before you bid.

It lowers repayments during the term and leaves a lump sum at the end. A larger balloon means lower regular repayments; the trade-off is what you do at the end — pay it out, refinance it, or sell the asset into it. Any balloon percentage is illustrative and deal-dependent, subject to lender assessment.

They're priced per deal, not a single number — the asset, its age, the term, the deposit, the structure and the borrower all move the price. Structure moves total cost more than the rate does. The RBA cash rate was 4.35% and on hold as at 31 July 2026 (source: RBA); it sets direction, not your price. Any specific rate is illustrative and deal-dependent, subject to lender assessment.

There's no single qualifying score. Lenders read the whole file — the asset, the deposit, ABN and GST tenure, your ATO position and conduct on existing facilities. What sits behind the number matters more: a paid default from three years ago reads differently to an unpaid judgment from last quarter.

Yes — sale and leaseback lets a financier buy the asset and lease it back, releasing the capital tied up in it. The asset generally needs to be unencumbered, or any existing security paid out at settlement. If you’re releasing equity to fund operations, the real question may be a business finance one.

Across the ACT and regional NSW — Canberra, Queanbeyan, Bungendore, Yass, Goulburn, Cooma and the Snowy Monaro, south to Bega and the South Coast, and west to Wagga Wagga and the Riverina. Regional files aren’t city files with a different postcode: auction buys, private sales, seasonal cash flow and valuer travel all behave differently.

When your bank's equipment line is full, you're writing four applications a year with no view of total exposure, or the plant no longer fits the yard you lease. Then it's a structuring conversation — asset lines, working capital and property looked at together — not another application.