Equipment Finance Sydney
From 5.99%
We have access to over 60+ different lenders
It’s part of our duty to ensure that you are receiving the best and stress-free equipment finance, truck loan pricing and lease term possible without any hidden fees and charges.
Get your commercial loans processed today!
30 years
$2.3 Billion
98%
View video to see why AGM Finance is an Award Winning Finance Brokerage Firm.
Every application is reviewed by our finance specialists before submission. This means we identify the right lender and structure upfront, protecting your credit score and saving you time.
Equipment We Finance in Sydney
Sydney’s economy spans dozens of industries, and each one has specific equipment requirements. AGM Finance has deep experience arranging funding across all major equipment categories. Here is a snapshot of the sectors and asset types we regularly finance for Sydney businesses.
Construction and Earthmoving
Sydney’s building pipeline remains one of the largest in Australia, with major infrastructure projects, residential developments, and civil works underway across the greater metropolitan area. We finance excavators, loaders, bulldozers, graders, compactors, concrete pumps, cranes, and tipper trucks for contractors and operators working across sites from Parramatta to the Northern Beaches.
Transport and Logistics
With Port Botany, Sydney Airport, and a vast distribution network across Western Sydney, the transport sector is a major driver of equipment demand. We finance prime movers, rigid trucks, trailers, refrigerated vehicles, and fleet vehicles for owner-operators and logistics companies moving goods across NSW and interstate.
Manufacturing and Industrial
Sydney’s manufacturing base spans food production, packaging, metalwork, plastics, and engineering. We arrange finance for CNC machines, lathes, welding equipment, printing presses, conveyor systems, compressors, and production line machinery.
Medical and Healthcare
From dental practices in the Inner West to specialist clinics in Macquarie Park, healthcare providers rely on expensive diagnostic and treatment equipment. We finance imaging systems, dental chairs, surgical tools, physiotherapy equipment, and veterinary machinery.
Hospitality, Retail, and Office
Sydney’s food and beverage industry, retail sector, and professional services firms all need commercial-grade equipment. We finance commercial kitchens, refrigeration units, point-of-sale systems, IT infrastructure, and office fit-outs.
Agriculture and Rural
For businesses in Sydney’s peri-urban and rural fringe, including the Hawkesbury and Camden areas, we finance tractors, harvesters, irrigation systems, and farm machinery.
If your equipment type is not listed here, call us. We have financed virtually every category of commercial asset, and our specialists can advise on the best structure for your situation. See our full list of equipment finance options.
Equipment Finance Options for Sydney Businesses
Choosing the right finance structure is just as important as finding the right interest rate. Each option has different implications for ownership, tax, cash flow, and balance sheet reporting. Here is how the main equipment finance structures work.
| Structure | How It Works | Best For | Key Benefits |
|---|---|---|---|
| Chattel Mortgage | You own the equipment from day one. The lender takes a mortgage over the asset as security. Fixed repayments over the agreed term. | GST-registered businesses wanting to claim the GST credit upfront and depreciate the asset for tax purposes. | Claim GST upfront. Interest and depreciation are tax-deductible. Fixed rates available. Balloon payment option to reduce monthly costs. |
| Hire Purchase | The lender purchases the equipment and hires it to you. You make fixed repayments and take ownership after the final payment (or residual). | Businesses that want to use the equipment immediately and take ownership over time. Suits start-ups and low-doc applicants. | Simpler approval process. Ownership transfers at the end of the term. Interest and depreciation may be deductible. Private sales accepted. |
| Finance Lease | The lender owns the equipment and leases it to you. You make fixed rental payments. At the end of the term, you can purchase at residual value, extend, or return. | Businesses wanting to keep the asset off their balance sheet, manage cash flow with predictable payments, or upgrade equipment regularly. | Lease payments are fully tax-deductible. Predictable costs. No large upfront capital outlay. Upgrade flexibility at lease end. |
| Rental / Operating Lease | Similar to a finance lease but typically shorter-term and without ownership intent. Equipment is returned at end of term. | Short-term projects, seasonal work, or businesses that need equipment for a defined period without committing to ownership. | No ownership risk. Fully deductible rental payments. Suits project-based industries where equipment needs change. |
Not sure which structure suits your business? Our finance specialists can walk you through the options and help you choose based on your cash flow, tax position, and long-term plans. Call us on 1300 664 687 for a no-obligation conversation.
How to Get Equipment Finance in Sydney
Step 1: Tell Us What You Need
Submit a quick online enquiry or call 1300 664 687. Let us know the equipment you are looking at, the purchase price, and a bit about your business. There is no impact on your credit score at this stage.
Step 2: We Compare Lenders and Structures
Step 3: Receive Your Pre-Approval
In most cases, you will receive conditional pre-approval within 24 hours. We present you with the best options, walk you through the terms, and answer any questions.
Step 4: Settlement and Funding
Once you accept, we handle the documentation and liaise with the lender and vendor. Funds are released directly to the seller, and you take delivery of your equipment. We stay available for support throughout the life of your loan.
Features of Equipment Finance Through AGM
| Competitive fixed interest rates from 5.95% | No deposit options available |
|---|---|
| Claim back the GST on chattel mortgage | Balloon or residual payments to reduce monthly costs |
| Tax deductions through asset depreciation | Finance for new, used, and private sale equipment |
| Tailored repayments matched to your cash flow | Personal service from experienced finance specialists |
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What types of equipment can I finance?
You can finance virtually any type of business equipment through AGM Finance. This includes construction and earthmoving machinery, trucks and transport vehicles, manufacturing equipment, medical and dental equipment, IT and office infrastructure, hospitality equipment, and agricultural machinery.
We finance both new and used equipment, including assets purchased through private sale or auction.
How much can I borrow for equipment finance?
The amount you can borrow depends on the equipment value, your business’s financial position, and the lender’s criteria. There is no fixed upper limit across our full panel of 60+ lenders. Our team will assess your situation and recommend the best option based on your borrowing capacity and cash flow.
Do I need to provide financial statements?
Not always. AGM Finance offers a range of low doc products that require no full financials. For low doc applications, the typical requirements are a 2-year ABN, a clear credit history, and either at least one director who owns property or a 20% deposit. For larger amounts or more complex applications, lenders may require BAS statements, tax returns, or management accounts.
Can I finance used or second-hand equipment?
Yes. We regularly arrange finance for used equipment of all ages. The age and condition of the asset may affect the loan term and structure, but we have lenders on our panel who specialise in older and non-standard assets. Private sales are also accepted.
How long does equipment finance approval take?
In most cases, you can receive conditional pre-approval within 24 hours of submitting a complete application. Settlement timeframes vary depending on the lender and complexity of the transaction, but straightforward applications can settle within a few business days.
Will applying for equipment finance affect my credit score?
Submitting an enquiry or requesting a quick quote through AGM Finance does not impact your credit score. A formal credit check is only conducted once you are ready to proceed with a specific lender. Our specialists carefully vet every application before submission to protect your credit file.
Can I get equipment finance as a new business or start-up?
Yes, we have lenders that work with new businesses. Approval will depend on factors such as the deposit amount, the asset type, your personal credit history, and any industry experience. Start-ups with a strong personal financial position and a realistic business plan are often able to secure funding.
Sydney’s Trusted Equipment Finance Broker
AGM Finance helps Sydney businesses access the equipment they need without tying up working capital. As one of Australia’s most experienced commercial finance brokerages, we compare rates and terms across our panel of lenders to find the most competitive deal for your situation.
Running a business in Sydney means constant pressure to stay productive, competitive, and well-equipped. We work with businesses of all sizes across Sydney and greater NSW.
From a sole trader purchasing a first excavator through to an established fleet operator upgrading machinery across multiple sites, our finance specialists structure each application to give you the strongest chance of approval at the lowest possible cost.
Why Sydney Businesses Choose AGM Finance
Sydney is one of Australia’s most competitive business environments. You need a finance partner who understands the pace, the costs, and the opportunities that come with operating here.
AGM Finance has been helping Australian businesses secure equipment funding since 1996. During that time, we have arranged more than $2.3 billion in finance across every major industry and equipment type.
Our team brings decades of hands-on experience in commercial lending, and our approval rate reflects the care we take in preparing every application.
Here is what sets us apart:
| Advantage | What It Means for You |
|---|---|
| 60+ lender panel | Our buying power across 60+ lenders means we consistently secure competitive rates that most businesses cannot access directly. |
| Pre-approval in 24 hours | When you find the right piece of equipment, you do not want to miss out. Our fast turnaround means you can move with confidence. |
| Rates from 5.95% | We compare rates from major banks, specialist financiers, and non-bank lenders to find the best deal. You are not limited to a single lender’s products. |
| Low doc options available | If you have a 2-year ABN, clear credit history, and either a director-owned property or 20% deposit, we can often arrange finance without full financials. |
| Flexible structures | Chattel mortgage, hire purchase, finance lease, and rental options. We match the structure to your cash flow and tax position. |
| New and used equipment | We finance equipment of all ages, from brand new through to older assets purchased via private sale or auction. |
Apply for Pre-Approval now.
Complete the quick online application with no effect on your credit score.
Get an Obligation-Free quote today.
We shop for the best interest rate so you don’t have to.