Equipment Finance Brisbane
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%
Brisbane’s Trusted Equipment Finance Broker
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.
Equipment We Finance for Brisbane Businesses
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.
How Equipment Finance Works
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:
Step 1: Get in touch
Call us, submit a quick quote form, or apply online. Tell us what equipment you need and how much you are looking to borrow.
Step 2: We compare lenders
Your dedicated broker reviews your application and compares options across our panel of lenders to find the most suitable structure and rate.
Step 3: Approval and settlement
Once you accept the offer, we handle the paperwork and settlement with the lender. Pre-approval is typically available within 24 hours for straightforward applications.
Step 4: Equipment delivered
Funds are released to the vendor or seller and you take delivery of your equipment. You make regular repayments over the agreed term.
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.
Equipment Finance Structures Explained
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:
- A chattel mortgage is the most popular structure among our Brisbane clients, particularly for GST-registered businesses. It allows you to claim the full GST credit on the purchase price in your next BAS, which can represent a significant cash flow advantage on higher-value assets.
- Hire purchase is a common alternative for businesses that prefer to spread the ownership transfer. The lender purchases the equipment on your behalf and hires it to you. Ownership transfers once you make the final payment, including any residual amount.
- Finance leases suit businesses that prefer to treat equipment costs as an operating expense. The entire lease payment is typically tax-deductible, and the arrangement can be structured so the asset does not appear on your balance sheet.
- Low doc finance is available for businesses that do not wish to provide full financial statements. This is common for all businesses big and small. Approval is based on factors such as the asset type, deposit amount, credit history, and ABN age.
| 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.
Equipment Finance Across Brisbane’s Key Industries
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:
Construction and civil works
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.
Transport and logistics
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.
Manufacturing and engineering
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.
Healthcare and allied health
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.
Trades and small businesses
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.
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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.
Apply for Pre-Approval now.
Complete the quick online application with no effect on your credit score.
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