Equipment Finance Made Simple

Treadgold Finance provides access to multiple lenders who offer equipment-specific finance products, rather than limiting you to one bank’s options. We compare rates and terms across banks, credit unions, and specialist commercial lenders to find the best fit for your business. We handle all paperwork and lender communication so you can stay focused on the job.

We arrange financing for a wide range of business equipment including excavators, forklifts, skid steers, cranes, agricultural machinery, trailers, earthmoving equipment, medical equipment, IT infrastructure, and manufacturing plant. Both new and used equipment is eligible, purchased through dealers or private sellers.

Pre-approval is typically available within 24–48 hours of submitting a complete application. Full conditional approval generally follows within 2–5 business days. Smaller, straightforward applications often move faster. We expedite the process by ensuring complete applications and maintaining regular lender contact throughout.

Borrowing capacity depends on your business cash flow, existing debts, credit profile, and the equipment being financed. We arrange equipment finance from $10,000 up to $5 million, depending on your situation and the lender's appetite. Some lenders may fund up to the full asset value subject to credit assessment. We conduct preliminary assessments to determine realistic borrowing limits before formal application.

Yes. We work with lenders who specialise in businesses with seasonal or variable income, including Low Doc options for self-employed operators and sole traders who may not have full financials. Bank statements and BAS statements are often sufficient to assess your capacity.

We only conduct credit checks when you provide written consent, typically after identifying suitable equipment finance options for your situation. Initial assessments and quotes don’t require a credit check. When we do proceed, we coordinate applications to minimise inquiries on your file.

Rates and fees vary based on loan amount, term, the equipment type, your credit profile, and current market conditions. We provide transparent information on all costs and compare total borrowing costs across lenders, not just interest rates, including establishment fees, ongoing charges, and early repayment conditions.