Equipment Finance Broker

Work with the equipment and machinery finance specialists who help Brisbane companies secure the assets your business needs to grow. Whether you're looking for machinery and equipment, vehicles or technology, we can arrange finance that suits your cash flow.

Your Trusted Partner In Acquiring Equipment and Machinery Finance

Equipment finance can help your purchase machinery, equipment and other assets to help you grow your business without eroding your cash flow.

At Sapphire Finance, we understand that the right equipment can be the key to driving your business forward. Whether you're expanding your operations, upgrading technology, or simply staying competitive, our equipment finance broker can help you find a flexible solution to acquiring the tools you need without compromising your working capital.

Equipment and machinery finance allows businesses to purchase or lease the equipment they need to operate efficiently and increase turnover. Instead of paying the full cost upfront, you can spread the cost over time, making it easier to manage your finances while still gaining access to the latest machinery, vehicles or technology.

We're commercial finance specialists and we can help you find the right equipment loan with competitive rates and terms that suit the needs of your business.

How Equipment Finance Can Be Used

Whatever your business needs, Sapphire Finance can help you find the right solution to keep your operations running smoothly. Equipment finance can be used across various industries to fund a wide range of assets, including:

Construction Machinery

Tailored loans and flexible leasing options to finance construction and heavy machinery enabling your business to acquire, upgrade or replace essential equipment and vehicles needed for construction projects, often with flexible terms and payment structures that align with project cash flows.

Medical & Dental Equipment

Medical and dental equipment finance can be used to acquire the latest technology and tools necessary for patient care without the immediate financial burden, allowing healthcare providers such as doctors, dentists or allied health practitioners to spread the cost over time while maintaining cash flow.

IT & Office Technology

Need to upgrade your IT infrastructure or acquire new office equipment? Investing in office equipment finance can provide a growing business with the tools needed to scale operations efficiently without the upfront capital expense, enabling better cash flow management and access to the latest technology.

Agricultural Machinery

Agricultural equipment finance can fund the purchase of essential machinery and tools, such as tractors, harvesters, and irrigation systems, enabling businesses to scale operations, increase efficiency, and boost productivity, ultimately driving growth and profitability.

Manufacturing Equipment

Help your manufacturing business to grow with equipment finance that can fund the purchase or leasing of machinery, tools and technology essential for production, enabling businesses to scale operations, increase efficiency, and drive growth without upfront capital constraints.

Commercial Fleet

When you need to get your team out on the road, commercial vehicle or fleet finance provides businesses with the capital to acquire or lease vehicles essential for operations, enabling expansion, improved logistics, and increased efficiency, which in turn drives business growth.

Why Brisbane Businesses Trust Sapphire Finance

Navigating the complex world of equipment finance can be challenging. That’s where Sapphire Finance comes in. Our experienced brokers work closely with you to understand your business needs and financial situation. We compare a range of lenders and finance products to find the loan that best suits your requirements. With our expertise, you can secure the right finance option, at the best rates, with terms that align with your business goals.

Local expertise is key when it comes to understanding the Brisbane market. Our finance broker is not only an expert in commercial finance but also possesses in-depth knowledge of the local business landscape. This enables us to provide advice and finance solutions that are specifically tailored to Brisbane-based businesses.

We have strong relationships with a wide range of lenders, from major banks to specialised financial institutions. This allows us to find solutions that meet the unique demands of your business, no matter the size or industry.

Types Of Equipment Finance

Sapphire Finance offers a variety of equipment finance solutions, each tailored to meet different business needs:

Asset Lease

An asset lease allows you to use the equipment for a fixed period while paying regular lease payments. At the end of the lease term, you can choose to return the equipment, extend the lease, or buy the asset at its residual value.

Hire Purchase

With hire purchase, you take ownership of the equipment once all payments have been made. This option allows you to spread the cost over time, with the equipment becoming a business asset upon the final payment.

Chattel Mortgage

A chattel mortgage enables you to borrow funds to purchase equipment outright, using the equipment as security for the loan. You own the equipment from day one, with the mortgage gradually paid off over time. This option often provides flexibility in repayment terms and potential tax benefits.
A forklift ttruck with a setting sun behind it used on a page about equipment and machinery finance

Frequently Asked Questions About Equipment and Machinery Finance

What is equipment finance?

Equipment finance is a type of business loan that enables companies to purchase or lease equipment essential for their operations. This type of financing is often used by businesses to acquire machinery, vehicles, or technology without needing to pay the entire cost upfront.

How does machinery finance work?

Machinery finance works by allowing businesses to either lease or purchase machinery through financing options. Instead of a large initial outlay, businesses can spread the cost over time with fixed repayments, preserving cash flow for other operational needs.

What are the benefits of using a machinery finance broker?

A machinery finance broker has extensive knowledge of available finance options and access to a network of lenders. They can help you find competitive rates, negotiate favourable terms, and ensure the finance solution aligns with your business’s needs.

Can I finance both new and used equipment?

Yes, many lenders offer finance options for both new and used equipment. Sapphire Finance can help you explore your options and find lenders that support financing for used equipment, allowing you to access machinery at a lower cost.

What types of equipment can I finance?

You can finance a wide range of equipment, including construction machinery, agricultural equipment, office technology, vehicles, and specialised industry-specific machinery. Sapphire Finance works with businesses across various industries to secure tailored finance solutions.

How long does the equipment finance application process take?

The time it takes to process an equipment finance application can vary depending on the lender and the specifics of your request. Sapphire Finance aims to simplify and expedite the process, often securing approvals within a few days.

Can I get equipment finance with a poor credit history?

While having a poor credit history may affect your options, many lenders consider the value of the equipment and your business's current financial situation. Sapphire Finance can help you navigate these challenges and explore suitable options.

Do I need a deposit for machinery finance?

A deposit may be required for certain types of machinery finance, but some lenders offer no-deposit options. The amount will depend on the lender, the type of equipment, and your business’s financial standing. Sapphire Finance can help you identify lenders with flexible deposit requirements.

Why Choose Sapphire Finance?

Local Connections, Global Expertise

As a Brisbane-based finance broker, we have in-depth knowledge of the local market and a wide network of lenders.

Industry Leading Experience

Decades of expertise in personal and business borrowing means you benefit from a deep understanding of the lending market.

Exceptional Customer Service

We’re passionate about what we do and always strive to deliver a great client experience.

Completely Personalised Approach

We take the time to understand your financial situation and goals, offering bespoke solutions that truly meet your needs.

Not sure what type of loan you need? No problem - that’s our job. We deliver tailored finance solutions to your own needs now and in the future.


We then work with our panel of leading lenders and ensure that your loan is working for you. Contact us today to find out all the ways we can help you.

Comprehensive Support

Tailored Brisbane Finance Solutions

Ready to get started?

Let us help you find the right finance to achieve your goals

Sapphire Finance Brokerage Credit Representative 541523 is authorised under Australian Credit Licence Number: 389328 | ABN 19 673 107 821
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.