Equipment & Machinery Finance.
Your equipment should be working, not waiting on capital. Whether you're buying a single machine or outfitting an entire facility, we find the right finance structure across 60+ lenders - agricultural, construction, medical, manufacturing, and more.
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Won't affect your credit score.
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Our Solutions
Tailored Finance for Every Type of Equipment
We work with lenders who specialise in each equipment category - so you get the right rate and structure for your specific asset. Most equipment is purchased via Chattel Mortgage; for businesses that prefer not to own the asset, Finance Lease is a strong alternative.
Agricultural Equipment Finance
Finance tractors, harvesters, irrigation systems, and farm machinery. Structures tailored to seasonal cash flow - including repayment holidays during off-season periods.
Construction Machinery Finance
Excavators, loaders, cranes, compactors, and earthmoving equipment - financed with competitive rates and fast turnaround so your projects stay on schedule.
Industrial Equipment Leasing
Manufacturing plant, forklifts, conveyor systems, and industrial machinery financed with flexible structures - leasing options to keep assets off your balance sheet.
Medical Equipment Loans
Finance diagnostic imaging, surgical equipment, dental chairs, and medical technology. Specialist lenders who understand healthcare practice cash flows and equipment lifecycles.
Office Technology Finance
IT infrastructure, server equipment, AV systems, and business technology financed without large capital outlays - keeping your business current without the upfront hit.
Manufacturing Equipment Funding
CNC machines, press equipment, welding systems, and production plant - finance the equipment your manufacturing business needs to scale and compete.
Run The Numbers
Calculate your equipment finance repayments
Enter your loan details
Estimated monthly repayment
$1,838.48
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Key Benefits
Why most businesses finance equipment rather than buying outright
Preserved Working Capital
Finance keeps capital in your business rather than locked up in equipment. Spread the cost over the useful life of the asset while it generates revenue from day one.
Access to Latest Technology
Finance allows businesses to upgrade equipment regularly - staying competitive with modern machinery without the need to accumulate capital between purchases.
Tax Advantages
Chattel mortgage and hire purchase allow GST to be claimed upfront and interest/depreciation to be deducted. Finance lease payments are fully deductible as a business expense.
Increased Productivity
The right equipment, financed correctly, pays for itself through improved efficiency, reduced downtime, and higher output - accelerating your return on investment.
Balance Sheet Flexibility
Operating leases keep equipment off your balance sheet, improving your financial ratios and borrowing capacity for other business needs.
Scalable Financing
Finance individual assets or build an equipment facility that grows with your business - adding machinery as your operations expand without renegotiating from scratch.
Why Co-Pilot
Why Co-Pilot - not just any broker
Broad Equipment Categories
From agricultural and construction to medical and manufacturing - we work with lenders who specialise in the specific equipment category you're financing.
60+ Lenders Including Equipment Specialists
Access to major banks and non-bank lenders with dedicated equipment finance divisions - each with different appetite for asset types, ages, and business profiles.
New & Used Equipment
We know which lenders are most competitive for new versus used equipment and which have the most flexible criteria for older or specialised assets.
Tax-Effective Structuring
We help you choose the right finance structure for your tax position - whether that's chattel mortgage for immediate GST claims or a lease for full expense deductibility.
Fast Approvals
Simple equipment deals approved in 24–48 hours. We manage documentation, lender communication, and settlement so you can take delivery without delay.
Eligibility
Equipment finance eligibility - most businesses already qualify
Equipment finance criteria vary by asset type, age, and lender. Our team matches you with the right lender before you apply - including options for newer businesses and specialist equipment categories.
- Active ABN - minimum 6–12 months trading history for most lenders
- Business financial statements or BAS for the past 12–24 months
- Equipment details: description, age, purchase price, and supplier information
- Satisfactory business and personal credit history
- For specialised equipment: evidence of relevant industry experience or licences
- For large purchases: detailed business case or financial projections may be required
New business or unusual equipment type? Talk to us - we know which lenders are most flexible and how to present your application effectively.
Ready to finance your equipment?
Tell us about the equipment you need and your business - we'll identify the right lender and structure, and have an approval in as little as 24–48 hours.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Equipment Finance
Ready to get the equipment? Let's get it financed.
Tell us what equipment you need and your business situation - we'll find the right structure and lender across 60+ lenders. Most applications approved within 48 hours.