Get the machinery your business needs. Without the upfront hit to your cashflow.

Modern manufacturing runs on the right equipment. Whether you’re upgrading a CNC machine, adding a production line, investing in packaging automation, or fitting out a new facility, the right finance lets you move forward without draining the capital your business runs on.

What we do

We find the right finance for your machinery. You focus on production.

As an independent Adelaide broker, we’re not tied to any one lender. We search across a wide panel of lenders, including major banks, specialist equipment financiers, and non-bank lenders that understand manufacturing, to find the right product for your situation. Not just whatever one lender happens to offer.

We’ve been working with South Australian businesses since 2005. We know the manufacturing sector, we know which lenders understand the industry, and we know how to structure finance that works for your cashflow and your accountant.

What we finance

If it’s used in your manufacturing or production operation, there’s a very good chance we can finance it.

That includes CNC machines and machining centres, lathes, milling machines and grinding equipment, laser cutters and plasma cutters, press brakes and metal fabrication equipment, injection moulding machines, extrusion equipment, production lines and assembly systems, robotic and automated manufacturing systems, packaging and labelling equipment, conveyor systems and materials handling, woodworking machinery including edge banders, beam saws and CNC routers, printing equipment including digital presses and wide-format printers, food processing and bakery equipment, refrigeration and cool room equipment, and factory fit-outs and ancillary plant.

New equipment, used equipment, dealer purchases, private sales, and imports—we arrange finance for all of it. If you’re not sure whether what you’re looking at qualifies, just ask. The answer is almost always yes.

Looking for the right business finance? Download our guide here. We take a look at business finance options, why good finance is good for business and how using a broker can take the stress away from finance and business.

The right structure depends on your business setup, your tax position, and whether owning the equipment outright matters to you. Here’s how the main options work.

Chattel mortgage

You own the equipment from day one, with the lender holding security over it until the loan is repaid. You can claim GST upfront and depreciate the asset. The most common structure for established manufacturing businesses and a strong option if maximising tax benefits is a priority. Talk to your accountant about what works for your situation – we’re happy to work alongside them.

Finance lease

The lender owns the equipment and you make regular lease payments over an agreed term. At the end, you can purchase it at the residual value, extend the lease, or hand it back. Lease payments may be fully tax deductible. Works well for businesses that want predictable costs and the option to upgrade at the end of the term.

Commercial hire purchase

You make repayments over an agreed term until the final payment, at which point ownership transfers to you. It delivers a similar outcome to a chattel mortgage but uses a different legal structure. Interest is deductible over the loan term.

Operating lease

You use the equipment for a set period and hand it back at the end without a purchase obligation. The lender carries the residual value risk. Suits businesses running technology or machinery that dates quickly, or where flexibility to swap assets matters more than ownership.

Not sure which structure suits your operation? That’s exactly the conversation to have with us – and we’ll involve your accountant if it helps.

Most manufacturing equipment finance products allow for a balloon or residual payment – a lump sum due at the end of the loan term that reduces your regular monthly repayments throughout. For expensive plant and machinery, this can make a real difference to day-to-day cashflow. At the end of the term you can pay out the balloon, refinance it, or sell the equipment. We’ll help you work out whether a balloon makes sense and what size is realistic for your situation.

Financing manufacturing equipment can offer meaningful tax advantages but the right structure matters, and what works best depends on your business setup.

Depending on how your finance is structured, you may be able to claim the GST component upfront on a chattel mortgage, deduct interest payments over the loan term, depreciate the asset over its effective life, or take advantage of the ATO’s instant asset write-off provisions for eligible assets.

We’d always encourage you to get advice from your accountant before committing to a structure and we’re happy to work with them directly to make sure the finance is set up in a way that makes sense from a tax perspective.

There’s a strong market for used manufacturing equipment in Australia, and buying secondhand can make a lot of sense – particularly for slower depreciating plant where a well maintained used machine delivers the same output at a fraction of the price.

Most lenders will finance used equipment, though age and condition requirements apply. For imported machinery or private sales, not all lenders are as straightforward – we know which ones are and will match you accordingly.

If you’re buying at a trade show, through a dealer, or direct from a manufacturer overseas, we can arrange finance to suit the timeline and payment requirements of the transaction.

If your business is newer or you don’t have two full years of financials ready to go, there are still options. Some lenders on our panel work with low-doc applications based on BAS statements, bank statements, and a director declaration. Requirements vary, and a deposit or property-owning director can strengthen the application.

We’ll be upfront with you about what’s realistic before anything goes near a lender.

We’re an independent Adelaide broker, which means we work for you, not for any one lender. We compare manufacturing equipment finance across our full panel and find the product that suits your operation, your tax position, and your cashflow.

We’ve been working with SA manufacturers and industrial businesses since 2005. We know which lenders understand capital-intensive industries, which ones are most competitive for the kind of equipment you’re buying, and how to structure an application that gets the right result.

Pre-approval for straightforward applications is typically available within 24 to 48 hours. Once approved, we coordinate settlement directly with your supplier so equipment arrives without unnecessary delays.

Tell us what you’re looking to finance – the type of equipment, whether it’s new or used, the approximate value, and your business situation. We’ll identify the right lenders and structures, compare your options, and come back to you with a clear recommendation. We handle the application, manage the paperwork, and keep you across the process from first conversation through to settlement.