5 Best Equipment Finance Brokers in Australia (2026)

Equipment finance allows Australian businesses to acquire the tools, machinery and technology they need to operate and grow without tying up working capital. From a single forklift to a full factory fit-out, equipment finance is available for almost any commercial asset. The right broker knows which lenders take your equipment type, what rate you should be paying, and how to structure the deal to minimise your repayments and maximise your tax position.

The 5 Best Equipment Finance Brokers in Australia for 2026

1. Overdrive Funding — Best Overall Equipment Finance Broker

Overdrive Funding arranges equipment finance across the full range of commercial asset types including construction and earthmoving equipment, industrial machinery, manufacturing equipment, technology and IT assets, medical equipment, restaurant and hospitality equipment, and more. With 80+ lenders on panel, we know which lenders specialise in each asset category and how to structure deals to maximise your approval outcome and rate.

Low doc equipment finance is available up to $500k with just your ABN and driver's licence. New equipment from dealers, used equipment from private sellers and auction houses, and refurbished assets are all considered. Applications are typically assessed within 24 to 48 hours.

• All commercial equipment types: construction, industrial, medical, hospitality, technology
• 80+ lenders including category specialists
• Low doc to $500k: ABN and licence only
• New, used, refurbished and private-sale equipment
• 24 to 48 hour approvals on standard applications
• Zero-deposit available for eligible businesses
• Finance from $10k to $5m+

Contact: 1800 954 124 at overdrivefunding.com.au

2. Yakka Finance — Best for Construction and Trade Equipment

Yakka Finance's strength in the construction and trades space extends naturally to equipment finance. Skid steers, mini excavators, scaffolding, compressors, generators, spray rigs and trade tools all fall within their regular deal flow. Award-winning broker Scott Rumble's team is fast, straightforward and has a well-earned 5.0 customer rating from 338+ reviews.

• Strong in construction, trades and earthmoving equipment
• Award-winning: Asset Finance Broker of the Year 2023
• 5.0 rating from 338+ verified reviews
• Fast, simple application process

3. AGM Truck Finance — Best for Large Plant and Industrial Equipment

AGM Finance's two-and-a-half decades in the plant and equipment finance space means they have arranged finance for some of the largest and most complex equipment purchases in Australia. Cranes, large presses, full manufacturing lines and civil plant are all within their experience. The AFG Excellence Award for Equipment Finance Writer of the Year, won seven times between 2014 and 2020, reflects the scale and quality of their deal flow.

• 27+ years arranging plant and equipment finance
• 60+ lender panel with deep equipment knowledge
• AFG Excellence Award winner for Equipment Finance 7 times
• Specialises in large, high-value equipment transactions

Contact: 1300 664 687 at agmfinance.com.au

4. Bloomfield Financial — Best for Complex or Specialist Equipment

Bloomfield Financial's boutique model and senior broker involvement is particularly valuable for equipment deals that require a more nuanced approach. This includes specialised or custom equipment with limited lender appetite, older or refurbished assets, or businesses whose financials need careful presentation.

• Boutique, relationship-first model
• Senior broker directly involved throughout
• Strong for specialist, custom or unusual equipment
• Personalised lender matching and deal advocacy

5. Thinkcap — Best for Multi-Asset Equipment Packages

Thinkcap is a good fit for businesses that need to finance a package of equipment at the same time, including a full fit-out, multiple tools and machines, or equipment alongside vehicles or property. Their 75+ lender panel and commercial finance approach allow them to coordinate multiple assets under a cohesive finance structure.

• 75+ lenders across equipment and business assets
• Good for multi-asset equipment packages and fit-outs
• Commercial finance approach with structured assessment

How Equipment Finance Works

Equipment finance allows your business to acquire an asset and repay the cost over time through regular instalments. The most common structure for business equipment is a chattel mortgage where your business owns the asset from day one, the lender holds a security interest, and you can claim GST upfront and depreciate the asset at tax time.

• Loan terms from 12 to 84 months
• Balloon or residual payment available to reduce monthly repayments
• GST claimable upfront under chattel mortgage
• Interest deductible as a business expense in most cases
• Asset depreciation claimable over useful life

Equipment Types We Finance

• Excavators, bulldozers, graders and earthmoving equipment
• Forklifts including electric, LPG and diesel
• Cranes and lifting equipment
• Manufacturing and CNC machinery
• Medical and dental equipment
• Restaurant, commercial kitchen and hospitality equipment
• Technology, IT systems and computer equipment
• Solar panels and energy systems
• Workshop and trade tools

How to Choose the Right Equipment Finance Broker

Ask your broker whether they regularly finance your specific equipment type. A broker who handles cars and light vehicles every day may not know which lenders take older forklifts or specialised medical equipment. Sending an application to the wrong lender wastes time and can leave a mark on your credit file.

Also check lender panel size (80+ is strong), membership of FBAA or MFAA, whether they hold their own Australian Credit Licence, and whether their fee is paid by the lender after settlement, which is standard and means the service costs you nothing.