What we fund, and what it costs
Weekly figures are indicative, on a commercial chattel mortgage over five years with a 30% residual. They are an estimate, not an offer of finance.
What you need
For most machines on a low doc application: an ABN, GST registration, your licence and an assets and liabilities statement. An ABN over two years opens the widest panel — we work with shorter trading histories too, usually with a deposit or property behind it. No financials for the majority of approvals.
We are a broker, not a lender: we take one application to a panel of 23 commercial lenders and put it where it actually fits, rather than where it happens to land.
Questions people actually ask
What is a chattel mortgage?
You own the machine from day one and the lender takes security over it. That is what makes the GST claimable up front and the interest deductible — it is the standard structure for business equipment.
Do I need a deposit?
Usually not. An established ABN with GST registration generally finances the full amount. Deposits come up for newer businesses or unusual assets.
How long does approval take?
Low doc applications are often same-day or next-day. Bigger or full doc deals take longer because they need financials.
Is commercial finance regulated like a car loan?
No. Finance for genuine business use is generally NCCP exempt, which is why there is no comparison rate and far less paperwork. It also means the consumer protections of a personal loan do not apply — the trade-off is speed.
Get a number on it
Tell us the machine and we will come back with what it costs a week and who would fund it. Takes about 90 seconds and it does not touch your credit file.
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