Outlook Finance · Equipment Finance

Equipment & Machinery Finance

Machinery, tools, IT, fit-out, medical equipment — funded against the asset itself, often without property security. Approved in 24-48 hours for amounts under $250k.

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Australian Credit Licence 418711

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15+ Years Experience

2,000+ Australian families helped

The problem

You can’t buy the equipment until the bank approves

Your business needs that excavator / printer / forklift / dental chair right now. Your bank wants three years of financials, property security, and 4-6 weeks of underwriting. Meanwhile, the supplier has another customer ready to take it.

The Outlook way

24-48 hours, asset-secured, often unsecured by you

Equipment finance is secured by the equipment itself, not your home. Our specialist asset finance lenders fund deals up to $250k with minimal documentation (often just ABN, ID, and a one-page application) in 24-48 hours. Larger or specialised assets are 2-5 days. Quotes turned around same day.

How it works

Three steps. Roughly 30 minutes.

1

Apply

Tell us your situation in a 2-minute online form, or call for a 10-minute chat. No documents needed yet — we just want to understand what you are trying to do.

2

Assess

We compare every product on our lender panel against your situation, then walk you through the 2-3 best options including realistic rates, fees, and turnaround times.

3

Approved

We package and submit the application, chase the lender, and keep you informed at every step. Most clients are unconditionally approved within 5-10 business days.

Frequently asked

Common questions about equipment finance

What equipment can I finance?+
Almost any business asset: vehicles, machinery, manufacturing equipment, IT and technology, medical equipment, dental chairs, kitchen fit-outs, food trucks, agricultural equipment, marine and yellow goods. Some lenders specialise in specific industries (medical, agriculture, transport) and offer better rates for those.
How much can I borrow without property security?+
For 'matrix' or 'low-doc' deals: up to $150k-$250k unsecured (by you personally — the asset itself secures the loan). For larger amounts or full-doc applications: up to $1m-$2m unsecured by your residential property is common. Above that, lenders may want additional security.
What documents do I need?+
For under $150k low-doc: ABN, driver licence, sometimes 6 months of business bank statements. For full doc or larger: 2 years of tax returns and financials, plus current management accounts. New ABNs (under 12 months) need stronger documentation since there's no trading history.
Should I lease or buy via chattel mortgage?+
Chattel mortgage = you own the asset, claim depreciation and GST upfront, asset on your balance sheet. Best for assets you'll keep long-term. Operating lease = you pay to use, asset stays off balance sheet, payments are deductible. Best for assets you replace frequently (IT, vehicles). Your accountant should advise based on your tax position.
What's the rate on equipment finance?+
For new equipment, good credit, established business: typically 7%-10% p.a. for chattel mortgage. Used equipment, newer ABN, or specialist assets: 9%-13%. Extremely fast 'matrix' deals price slightly higher than full-doc deals because of the lighter underwriting. We'll quote a real number once we know the asset and your business.

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Or call 1300 432 961 · Mobile 0481 712 907 · Email info@outlookfinance.com.au · Mon-Fri 9am-6pm AEST