Equipment finance
Equipment and Tool Finance for Tradies
From a cordless kit to an excavator, here is how to fund the gear that earns your money, and how to work out if it will pay for itself.
Gear earns money, but it also eats cash the day you buy it. Whether it's a battery platform for the crew, a second-hand skid steer, a scaffold package or the diagnostic scanner that lets a workshop take on newer cars, the question is the same: how do you pay for it without choking the account you need to run jobs?
This hub goes machine by machine and tool by tool. Each page explains what that kit really costs to own, how lenders think about it as security, what second-hand does to the conversation and what a sensible term looks like against how long the equipment will work for you. The general pages cover the money side: instant asset write-off rules, buy versus lease versus loan, deposits and bad credit.
Before you commit, run the Equipment Payback Calculator in the Toolbox. If you can't make the extra jobs or saved hours add up to a payback you're comfortable with, no finance structure will fix that. If it does add up, finance can get the gear on site this week instead of next year.
Start with your trade
Which trade are you?
Pick your trade, then pick your problem
Every trade gets paid differently, so every trade page is written differently: progress claims, retention, weekly pay, wet weather, licences and the gear that earns the money.
Not sure where you fit? Start a 60-second enquiry. No credit check, and a real person reads it.
Machinery and plant
Big-ticket gear where the machine itself is the security.
Excavator finance
Excavator finance for Australian contractors: mini and mid-size diggers, new or used, deposits, security and how to check if you qualify.
Read more →Skid steer finance
Skid steer finance for Australian contractors and landscapers: wheeled and tracked, attachments, used machines and how to check if you qualify.
Read more →Bobcat and loader finance
Bobcat and loader finance for Australian tradies: mini loaders, backhoes and wheel loaders compared, how lenders view them and how to check if you qualify.
Read more →Scaffolding finance
Scaffolding finance for Australian erectors and builders: buying stock, trucks and systems, how lenders view it and how to check if you qualify.
Read more →Concrete equipment finance
Concrete equipment finance for Australian concreters: power trowels, screeds, mixers, formwork and pumps, with tips on how to check if you qualify.
Read more →Trailer finance
Finance a plant trailer, enclosed box trailer or tipper trailer for your trade. What drives cost, new versus used, deposits and how it earns its keep.
Read more →Tipper truck finance
Financing a tipper body, hoist and truck as work equipment: what drives cost, how lenders view it, deposit, downtime and how a tipper pays its way.
Read more →Crane and EWP finance
Finance a mini crane, truck-mounted crane or elevated work platform. Licences, inspection, utilisation, cost drivers and how a lift earns its keep.
Read more →Tools and workshop equipment
From cordless kits to specialist testers and workshop gear.
Tool finance
Loans for tools for Australian tradies: fund a full toolkit, replace stolen gear or kit out a new crew. See options and check if you qualify.
Read more →Power tool finance
Power tool finance for Australian tradies: cordless platforms, saws, compressors and more. How lenders see them and how to check if you qualify.
Read more →Welding equipment finance
Welding equipment finance for Australian fabricators and mobile welders: welders, plasma cutters, rigs and gas, with tips on how to check if you qualify.
Read more →Compressor and generator finance
Compressor and generator finance for Australian tradies: sizing, new or used, running costs and how to check if you qualify for the purchase.
Read more →Lawn and landscaping equipment
Finance ride-on mowers, zero-turns, trimmers, mulchers and trailers for lawn and landscaping work. Seasonal cash flow, replacement cycles and payback.
Read more →Diagnostic equipment
Finance scan tools, wheel aligners, hoists, tyre machines and ADAS calibration for your workshop. Cost drivers, subscriptions, payback and lender views.
Read more →HVAC equipment
Finance refrigerant recovery machines, vacuum pumps, gauges, brazing gear, scaffolding and install tools for air conditioning and refrigeration work.
Read more →Solar and test equipment
Finance insulation testers, multifunction testers, thermal cameras, PV analysers and installer gear for electrical and solar work. What drives cost and payback.
Read more →The money side
Write-off rules, buy versus lease, second-hand, deposits and credit.
Equipment finance overview
Equipment finance for Australian tradies: tools, plant and machinery. See your options, how lenders view the asset and how to check if you qualify.
Read more →Equipment loans for tradies
Equipment loans for Australian tradies explained: how they are structured, what lenders check, deposits, security and how to see if you qualify.
Read more →Instant asset write-off
The $20,000 instant asset write-off is permanent from 1 July 2026 for businesses under $10m turnover. See how it applies to tradie tools, plant and finance.
Read more →Buy vs lease vs loan
Compare buying outright, leasing and borrowing for tools and plant. Cash flow, ownership, tax questions, end-of-term choices and when each one suits a tradie.
Read more →Second-hand equipment
Finance used tools, plant, trailers and workshop gear. How lenders view age and condition, private sales versus dealers, inspections and payback.
Read more →Equipment finance, bad credit
Equipment finance for tradies with defaults, late payments or a weak credit file. How the asset helps, what lenders look for and how to strengthen your case.
Read more →No deposit
When equipment finance with no deposit is realistic for tradies, what lenders want instead, and how to cover the gap with security, trade-ins or staging.
Read more →No credit check to enquire
Ask what's possible without leaving a mark on your credit file. A credit check only comes up once you've decided to go ahead.
No spray and pray
Your details don't get blasted around a pile of lenders. One real person looks at your situation and matches it properly.
A real person on your job
Someone who reads enquiries for a living calls you back. Fill the form in accurately and we'll point you the right way first time.
Short on time? Enquire right here
About 60 seconds. No credit check when you first enquire, and a real person calls you back.
Ready to see what your trade business could get?
One short enquiry. No credit check when you first enquire, a real person reading it, and your details staying with us rather than going out to a pile of lenders.
No credit check to enquire
No spray and pray
A real person on your job