Innovative Lending Solutions

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Australian Credit Licence #387856

11 · Equipment

Equipment finance for
the gear that earns.

Trucks, trailers, excavators, factory machinery, agricultural and specialist equipment. Heavy or light, new or used — finance the equipment that makes your business run.

Book a Strategy Call → Call (03) 9967 1678

Indicative Rates · Equipment Finance

Trucks & Trailers6.65% p.a.

Heavy Plant & Equipment7.15% p.a.

Specialised / Used Equipment7.95% p.a.

Indicative rates only. Actual rates depend on lender, LVR, file profile and current market. Book a strategy call for precise figures matched to your scenario.

What's covered

Equipment Finance — end to end.

Every angle of equipment finance, handled by one team that knows your file.

⊞

Trucks & Trailers

Prime movers, rigids, trailers, vans, dollies. Backed against logbook hours, age and category.

⊠

Earthmoving & Construction

Excavators, bobcats, dozers, loaders, lifts. New, used or imported.

⊟

Factory & Manufacturing

CNC, presses, lathes, packaging lines, robotics, conveyors.

◌

Agricultural Equipment

Tractors, headers, balers, irrigation, sprayers, vineyards equipment.

◇

Medical & Dental

Specialist medical equipment with vendor relationships and tailored terms.

⊙

Fleet & Refresh Facilities

Multi-unit pre-approval limits for businesses with rolling equipment needs.

Why Wood & Weiss

A different kind of equipment finance brokerage.

Real broker access. Real strategy. Real outcomes.

Industry knowledge

We know what lenders want to see for transport, civil, agricultural and manufacturing files. That knowledge gets approvals faster.

Heavy & specialist access

Some equipment (heavy plant, imported, used over 10 years) requires specialist lenders. We have those relationships.

Direct supplier coordination

We work with the supplier or auction house directly for seamless settlement — including pre-purchase finance commitments for auctions.

Cash-flow structured

Repayments structured against the equipment's revenue cycle — seasonal, project-based, or year-round.

How it works

From first call to settlement.

Four clear steps — managed end to end, with you in the loop at every stage.

Equipment & usage scoping

A quick call to understand the equipment, supplier, your business, and how the equipment will be used and revenue-generated.

Lender match

We submit to the lender(s) most appetised for your industry and equipment type — often within hours.

Approval & documentation

Approvals on standard files within 24-48 hours. Documents prepared electronically for fast turnaround.

Settlement to supplier

Direct payment to supplier on confirmation. Your equipment goes to work, sooner.

FAQ

Equipment Finance — common questions

Can I finance used equipment?

Yes — most lenders accept equipment up to 10-15 years old at term end, depending on category. Heavy plant typically tolerates more age than light trucks. We will match your equipment to the appropriate lender.

Do I need a deposit?

For new equipment with strong borrower files, 100% financing including delivery and registration is common. For used or specialised equipment, deposits of 10-20% may be required.

What term lengths are typical?

Trucks and trailers: 4-5 years. Heavy plant and earthmoving: 5-7 years. Factory and manufacturing equipment: 5-7 years. Longer terms reduce repayments but increase total interest.

Can balloon payments reduce my monthly costs?

Yes — balloon payments at end of term (typically 20-40%) significantly reduce monthly repayments. At end of term you can refinance, pay out, or trade in the equipment.

What about equipment bought at auction?

We can issue pre-purchase finance commitments so you can bid with certainty. Once you win, finance settles with the auctioneer directly. Important: confirm lender approval before bidding.

How does GST work on equipment finance?

Chattel mortgage: you own the equipment and claim the full GST credit in the BAS period of purchase. Hire purchase: GST credited at each repayment. Operating lease: GST claimed on each lease payment. Your accountant has the final say — we structure accordingly.

Jeff & Moishe — Co-directors Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide

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30 minutes with Jeff or Moishe. We'll review your position, map your options across 40+ lenders, and give you a clear next step. No script. No upsell.

30-minute strategy call (phone or video)
Borrowing position review and lender matching
Written follow-up with clear next steps
Direct director access — Jeff or Moishe handles your file

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Book Strategy Call → Call (03) 9967 1678