Equipment Finance

Business success depends on reliable plant and equipment.  We know that when you need new equipment, time is often of the essence.  Because of this, AAA Finance offers a quick and easy application process with most equipment loans approved within 24 hours.  This means you can get the gear you need - when you need it!

What can you purchase with Equipment Finance?

The list is virtually limitless with regards to what can be purchased using an equipment loan facility.

  • From huge earth moving machinery, mining equipment, farming hardware and industrial machinery to smaller items such as office equipment, lawn movers and shade sails - the list is endless!  If the item has a serial number, then it can be used as security for an equipment loan.
  • New or used equipment.  Whether you prefer a tried-and-true used model or its showroom equivalent!
  • Buying privately or from a dealer.  You have the option to buy from a farmer around the corner or continue your relationship with a dealer - the choice is yours.


What Equipment Finance options are there?

We offer 4 equipment loan options to ensure our customers are offered a comprehensive loan solution.  In most cases, a chattel mortgage is used to secure finance against the asset being purchased.  A chattel mortgage is when an asset or 'chattel' is purchased and used as security for finance 'the mortgage'.   Both the age of the business ABN and whether financials are available determines the type of business loan.  If the asset is not able to be secured against a loan, usually due to age, we offer a business line of credit facility.

1. No Doc Equipment Finance

For businesses who are at least 2 years ABN and GST registered whose director/s are homeowners, with previous credit history.  Income does not need to be verified with documentation. However, you will need to sign a declaration stating an estimate of net profit and gross turnover.

2. Low Doc Equipment Finance

For business who are at least 2 years ABN and GST registered.  Minimal documentation, such as interim figures, are a requirement to prove income.  This could be in the form of BAS, bank statements, accountants’ letter or profit and loss statement from accountancy software such as XERO or MYOB.

3. Full Doc Equipment Finance

For business who are less than 1-year ABN.  Full proof of income is a requirement for this type of loan.  This may be an up-to-date tax return and/or interim figures.

4. Business line of credit

This type of business facility provides an ongoing line of credit to a predetermined amount. A line of credit is helpful when an asset is older than lender requirements.  Most lenders want the age of the asset to be less than 15 years old at the end of the loan term.  So, if you are looking at a 15-year-old bulldozer chances are that you will not be able to use the asset as security for the loan.  A simple business line of credit facility could be the solution.


How do I apply for Equipment Finance?

Your ability to grow your business is not limited, so why should your options for finance?  We are committed to ensuring that - no matter what you need - we are the finance provider that will help you get it.  AAA Finance can provide you a solution for any equipment your business may require. 

To ensure you can quickly and easily apply for a loan while keeping your business going, AAA Finance offers multiple contact options so you can talk to us in a way that suits you.  To have a conversation with our finance experts call (07) 5493 122 and find out what we can do to help.  Alternatively, fill out our contact form online.   One of our friendly business experts will be in contact with you promptly.

Get Pre-Approved

A pre-approved equipment loan means that you know you are approved up to an specific amount for a particular asset class.  Before ordering a new piece of equipment or negotiating with the neighbour for their tractor have your finances sorted.  A pre-approval also helps when negotiating a purchase price.

Business Loan Calculator

Adding to our range of expert advice is our easy to use business loan calculator which can help you estimate your monthly finance repayments.  The calculator also includes a balloon payment function.  So, no matter how you want to structure and repay your equipment loan, you can get an estimate of your finance repayments.


Why use AAA Finance?

AAA Finance and Insurance prides itself on quick and easy equipment finance solutions.  Our experienced AAA Finance experts take the time to get to know you and your business.  This ensures that we can best represent you to our large panel of lenders.  We emphasise your strengths to ensure your approval has a competitive low-cost interest rate along with a tailored loan package to suit your needs.

AAA Finance is proud to be both an 100% Australian owned and operated business.   We support Australian owned companies which in turn protects Australian jobs.

AAA Finance | Equipment Finance

Equipment Finance FAQ's

What is equipment financing?

Equipment financing is when a business or self-employed individual uses finance to purchase business related equipment.

How do you get equipment financing?

Engaging the services of an experience finance broker who has access to a range of lenders will ensure the best outcome for your business. AAA Finance are the experts in equipment loans with access to over 40 different lenders.

Who finances heavy equipment?

There are several lenders that finance heavy equipment. AAA Finance has a team of experienced finance brokers. They will help your business access the right lender that suits your circumstances and the equipment being financed.

How long can you finance heavy equipment?

Loan terms range from 1 to 7 years when financing heavy equipment.



We understand that a business needs dependable vehicles and equipment.  If these assets are compromised, it can cost time and money to put things right.  Because of this, AAA Finance and Insurance also offers a range of Insurance products to protect your asset, your loan and your credit rating.  

Useful Link

The Queensland Government has put together a guide to machinery and equipment safety.  It is everybody’s responsibility to ensure safe operation of all equipment to make sure that all workers make it home safe each night.

John Shanahan
John Shanahan
3 May 2023
We worked with Jason to arrange finance for our Austrack van. Jason's service, knowledge and understanding was fantastic. Great outcome and can't wait to get into our van! Thanks Jase.
Robbie Amhaz
Robbie Amhaz
10 March 2023
I Have been with AAA for many years now and they have always been my go too broker for personal loans. Peter & Jason always go the extra mile for me as a client and their rates & fees are competitive. We recently purchased a brand-new car and AAA got us the loan we wanted and at the right interest rate. Excellent service and industry knowledge. Thanks Again Robbie Amhaz
Paul Mansell
Paul Mansell
18 August 2022
These guys go above and beyond. I would recommend them to anyone.
Wayne Jones
Wayne Jones
27 July 2022
Warwick provided a very simple platform to execute our business with him,nothing was a issue and he was very prompt getting back to us or returning calls,highly recommend AAA Finance
11 July 2022
The team at AAA made the finance application process incredibly smooth and stress-free, handling all of the otherwise difficult paperwork with the lender and seller. We have used them multiple times now and have never been disappointed!
Lyndon D
Lyndon D
9 December 2021
We had Jaime as our broker and wow! She did such a great job. 10/10 customer service! Answered every question, gave us all the advice we needed. Can’t fault anything at all. Thank you Jaime !
Bianca Bloomfield
Bianca Bloomfield
9 November 2021
These guys were fantastic ! - Jaime was prompt, professional and kept me in the loop while the finance boxs were ticked in the background. This was all done very quickly and they were super competitive in the market, which was awesome, when there was additional requirements she was straight on the phone-Highly recommend !!
Larna Kerswell
Larna Kerswell
14 October 2021
Warwick at AAA Finance was so easy and great to deal with. He was patient and helpful with us every step of the way. We would recommend them to anyone looking around for finance. Thank you so mauch Warwick and AAA Finance.
Donna Joy
Donna Joy
23 September 2021
I was very happy with the excellent service given by Sam Sharpe. He was helpful, polite and easy to understand. Thanks Sam 😃
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