Equipment Finance Brisbane
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30 Years
Est. in 1996 -
60+ Lenders
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98%
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AGM Finance helps Brisbane businesses access the equipment they need without draining working capital. As one of Australia’s longest-established equipment finance brokers, we’ve been arranging tailored funding solutions since 1996 and have helped businesses secure more than $2.3 billion in total finance.
From civil construction projects across the western corridor to manufacturing workshops in Pinkenba and Hemmant, logistics hubs at the Port of Brisbane, and medical practices throughout the CBD and inner suburbs, the right equipment is what keeps operations on track.
AGM Finance arranges funding for virtually any type of commercial equipment. If it’s used to run or grow a business, chances are we can finance it. Here is an overview of the asset categories we cover:
| Equipment Category | Common Assets |
|---|---|
| Trucks & Trailers | Prime movers, tippers, curtain-siders, flat-tops, refrigerated trailers |
| Earthmoving & Civil | Excavators, dozers, graders, skid steers, rollers, loaders |
| Plant & Machinery | Forklifts, cranes, boom lifts, scissor lifts, generators |
| Manufacturing | CNC machines, lathes, welding rigs, packaging lines, compressors |
| Medical & Dental | Imaging equipment, diagnostic machines, and surgical tools |
| IT & Office | Servers, workstations, telephony systems, POS systems |
| Hospitality & Retail | Commercial kitchens, fit-outs, refrigeration, coffee machines |
| Agriculture | Tractors, harvesters, irrigation systems, implements |
Both new and used equipment can be financed. We also arrange finance for private sales, auction purchases, and dealer transactions. If you are looking at a specific asset and are unsure if it qualifies, get in touch and we can confirm your options within the same business day.
Equipment finance allows your business to acquire machinery, vehicles, tools, and technology without paying the full purchase price upfront. Instead, the cost is spread across regular repayments over an agreed term, typically between 1 and 7 years.
The equipment itself acts as security for the loan, which means lenders can offer more competitive rates compared to unsecured business loans. In most cases, you can finance up to 100% of the asset’s value with no deposit required.
Here is how the process typically works with AGM Finance:
Throughout the process, you deal directly with an experienced equipment finance specialist at AGM. We manage the lender relationship, handle the paperwork, and keep you informed at every stage.
Different finance structures suit different business situations. The right choice depends on factors such as your tax position, cash flow, and how you plan to use the equipment.
Here is a comparison of the main options available to Brisbane businesses:
| Feature | Chattel Mortgage | Hire Purchase | Finance Lease | Low Doc |
|---|---|---|---|---|
| Ownership | You own from day one | Transfers at final payment | Lender owns; you may purchase at end | Varies by structure |
| GST Claim | Claim GST upfront on purchase | Claim GST on each repayment | Claim GST on each repayment | Depends on structure |
| Depreciation | Yes, full depreciation | Yes, after ownership transfers | No (lender owns asset) | Depends on structure |
| Interest Deductible | Yes | Yes | Entire repayment is deductible | Yes |
| Balloon/Residual | Optional | Optional | Standard (residual value) | Optional |
| Best Suited For | GST-registered businesses wanting upfront tax benefits | Businesses preferring gradual ownership | Businesses wanting to keep assets off their balance sheet | Established Businesess |
Your AGM Finance broker will walk you through the options and recommend the structure that makes the most sense for your business. We also recommend speaking with your accountant to confirm the tax implications of each approach.
Brisbane’s economy is diverse, and the equipment needs of local businesses reflect that diversity. Here is how we support some of the key industry sectors that drive economic activity across the region:
Brisbane is in the middle of one of its largest infrastructure build cycles. Major projects such as Cross River Rail, the Brisbane Metro, and developments associated with the Brisbane 2032 Olympics are driving strong demand for earthmoving equipment, excavators, cranes, and civil plants.
Contractors working across corridors from Woolloongabba to the northern suburbs need reliable access to funding that keeps pace with project timelines.
The Port of Brisbane, Acacia Ridge intermodal terminal, and the Australia TradeCoast precinct make this city a national logistics hub. Transport operators running freight, distribution, and courier services regularly finance prime movers, trailers, tippers, and refrigerated vehicles through AGM.
We understand the cash flow patterns of transport businesses and structure repayments accordingly.
Industrial precincts across Pinkenba, Eagle Farm, Geebung, and Brendale house some of Queensland’s most productive manufacturing operations. CNC machinery, welding equipment, compressors, and production line assets are commonly financed through chattel mortgage or hire purchase structures.
Medical and dental practices across Brisbane regularly finance imaging equipment, dental chairs, diagnostic tools, and practice fit-outs.
Equipment finance allows healthcare providers to invest in the latest technology without depleting working capital. We have lenders that specialise in medical equipment and understand the specific requirements of this sector.
Electricians, plumbers, landscapers, concreters, and other tradespeople across Brisbane rely on well-maintained equipment to operate efficiently. From work vehicles and utes through to specialist tools, trailers, and site equipment, AGM Finance helps tradespeople access the gear they need to take on more work and grow their businesses.
Use our free repayment calculator to get an estimate of your weekly, fortnightly, or monthly repayments. The calculator provides an estimate only, as your actual rate and terms will depend on your individual circumstances, the asset type, and the lender.
For a personalised quote based on your specific situation, contact our team directly.
We shop for the best interest rate so you don’t have to. It’s part of our duty to ensure that you are receiving the best pricing possible.
We shop for the best interest rate so you don’t have to. It’s part of our
duty to ensure that you are receiving the best pricing possible.
Not always. We have lenders that offer up to 100% finance with no deposit required. However, providing a deposit can help reduce your overall repayment amount. Your broker will advise on the best approach based on your circumstances.
Yes, we have lenders that work with new businesses and recently registered ABNs. Approval will depend on the deposit amount, the type of equipment, your personal credit history, and relevant industry experience.
Low doc options are available for businesses that do not have a full set of financial statements.
For a standard application, you will typically need your driver’s licence, ABN details, and a quote or invoice for the equipment. For larger amounts or more complex applications, lenders may also request BAS statements, tax returns, or management accounts. Our low doc products require minimal documentation.
Yes. We regularly arrange finance for used equipment of all ages. The age and condition of the asset may affect the loan term and available structures, but we have lenders on our panel that specialise in older and non-standard assets. Private sales are also accepted.
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.
With a chattel mortgage, you own the equipment from day one and the lender holds a mortgage over the asset. This allows you to claim the GST upfront and depreciate the asset immediately.
With a hire purchase, the lender purchases the equipment and hires it to you. Ownership transfers when you make the final payment. Both structures offer fixed interest rates and are commonly used for business equipment.
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.
Yes, refinancing existing equipment loans is possible and can be a smart move if rates have improved since you originally took out the finance. We can review your current arrangements and determine if refinancing to a lower rate or different structure could save you money.