Commercial Equipment Finance
Buy what you need. Pay over time.
Major Features of Commercial Equipment Finance
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Fast Approvals
Many loans approved and settled within 24–48 hours
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No Property Required
Equipment is the security — not your home or assets
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Finance New or Used
Buy from a vendor, auction, or private seller
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Flexible Terms
Spread repayments over 2–7 years to suit cash flow
What is
Commercial Equipment Finance?
It helps you finance essential equipment — without draining your working capital.
See if this is for you:
- You rely on equipment to get the job done
- You’re replacing gear that’s holding you back
- You’d rather spread the cost than pay upfront
What You Should Know About
Commercial Equipment Finance
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No deposit needed with most lenders
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Low-doc options available (bank statements or BAS)
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You can include delivery, setup, and insurance costs
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Finance is available for most commercial-grade gear
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How does Commercial Equipment Finance Work?
Alex runs a manufacturing business.
His equipment kept breaking down — causing delays, repair bills, and lost orders.
We helped him finance new machinery with no deposit and flexible repayments.
Now he’s caught up, taken on more work, and grown his output without the upfront
hit.
Pros and Cons of Commercial Equipment Finance
Pros:
- Free up cash for wages, stock, and growth
- Replace outdated gear without a big upfront spend
- Use the equipment while it pays for itself
Cons:
- Early exit fees may apply on some loans
- Missed repayments could lead to repossession
How Much Can I Borrow?
Loan amounts from $5,000 to $2 million+, based on:
• Your business turnover and time trading
• The type and value of the equipment
• Repayment capacity
Many lenders offer up to 100% equipment finance — no deposit needed.
FAQs
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Do I need to put property up as security?
No — the loan is secured against the equipment itself.
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Can I finance second-hand gear?
Yes — many lenders accept used equipment, even from private sellers.
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Can I include installation and delivery?
Absolutely — many lenders let you bundle those costs into the loan.
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Do you work with startups?
Yes — some lenders support startups, especially with industry experience.
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What kinds of equipment can I finance?
Everything from heavy machinery to kitchen fit-outs and tools of the trade.
What Clients Say
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“Sean has been an amazing support and is very knowledgeable in his field of providing finance advice as needed. Highly recommend McHugh’s Financial Services.”
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“Sean was actively responsive to my requests and work enthusiastically to find a good solution for what I needed. He is extremely friendly and courteous in the way he deals with people. Highly recommend him.”
MCX Materials
Need equipment to grow your business?
Let’s help you get it — without the cash flow hit.
