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.

Emily Dimitriou
Emily Dimitriou
10 December 2023
Jason has been absolutely wonderful to deal with and we couldnt be happier with his service. Top notch 😊
Katherine Menadue
Katherine Menadue
15 November 2023
I have just secured a loan through AAA Finance and Insurance to invest in an emerging business O2 for life. The whole process was simple and quick. Ray Wilson was excellent, available at all times to help with any queries. I would strongly recommend Ray and his business for any finance requirements.
Breanna Carr
Breanna Carr
26 October 2023
They are so easy to talk to, answered every question I asked no matter what question it was and they were just great.
Christopher Dyke
Christopher Dyke
17 October 2023
Getting finance is a big step to take and can be a bit daunting. AAA Finance makes the process so easy, which is the reason why I am a repeat client having now purchased multiple vehicles through using their service. You get genuine service from an honest team and assured you are looked after. Give them a go once, it’s all you’ll need!! Thanks AAA Finance!!
Marissa Carr
Marissa Carr
12 October 2023
Ray has been absolutely amazing. Thank you
Jaxon Willpickup
Jaxon Willpickup
14 September 2023
Can not speak highly enough of Pete and his team. They have helped with everything from my business finance to personal finance, has always been a great help. Great communication throughout the process. Would not get my finance sorted anywhere else, highly recommend AAA Finance for fast, competitive and transparent finance! Well done! Thanks again. Mick.M
Michael & Alicia Buda
Michael & Alicia Buda
5 September 2023
Excellent customer service and help. We highly recommend Jason & team for all your finance needs. 2nd time using this company and couldn’t speak more highly of them. Thank you for everything.
Tom Carter
Tom Carter
30 July 2023
Jaime from AAA finance made what would have been a long and complicated process for me really easy, she was super helpful and I felt like I could trust her completely which made the whole process of buying a new car so much better.
7 July 2023
To Jaime Kirkpatrick AAA Finance and Insurance. ” When searching for a personal loan you need to be able to rely on someone you can trust to be able to present all the options available and give you the right information to make the right decisions. Everything that Jaime does was handled quickly, efficiently and her customer service is the best that we have come across. Thank you from the bottom of our hearts for all of your help to get the loan and for assisting us with all of the papers. It has been a pleasure to work with you!” “You will always be my go-to!” It’s easy to see how much you care about the people you serve. I’m grateful to be one of them.” “You go above and beyond daily.Thank you!” “You’re someone who makes a difference every day. So grateful.” “Thank you. Your commitment and professionalism mean more than you know.” LIRIM and Alketa
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