Equipment finance

Empowering Businesses with the Right Tools

Every business needs the right equipment to grow—but purchasing expensive machinery or tools upfront can strain your cash flow.

Equipment Finance

What is Equipment Finance?

Equipment finance is a smart lending solution that helps businesses acquire essential tools and machinery—such as commercial vehicles, construction equipment, office technology, or manufacturing systems—without the burden of paying the full cost upfront. Instead, the cost is spread over regular, manageable instalments, making it easier to invest in growth without disrupting cash flow.

Whether you’re launching a startup or expanding operations, equipment finance allows you to access high-value assets when you need them most. You can either choose an equipment loan, where you purchase and own the asset, or an equipment lease, where you rent the equipment for a set term with flexible end-of-lease options.

At Gold Finance, we understand the unique needs of Australian businesses. Our team offers tailored equipment finance solutions designed to keep your operations running efficiently and your budget on track.

💡 Need new equipment but don’t want to drain your capital?
Speak to a Gold Finance advisor today and explore flexible finance options that suit your goals.

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Why Choose Equipment Finance?

In today’s fast-paced business world, staying up-to-date with the latest equipment is key to maintaining efficiency and competitiveness. Equipment finance allows you to acquire necessary tools, vehicles, or machinery without bearing the entire cost upfront—helping you preserve working capital and grow sustainably.

 

Flexible Funding for Business Needs

Whether you're a tradie looking for a new ute, a startup in need of computers, or a manufacturer upgrading machinery—equipment finance offers funding that aligns with your cash flow and operational goals.

Preserve Cash Flow

Instead of a lump-sum purchase, spread out the cost over time—so your business can retain liquidity while still accessing high-quality tools and tech.

Lease or Own—Your Choice

You can choose between an equipment loan (to own) or lease (to rent). Leases offer flexibility for upgrades, while loans give you full ownership.

Stay Ahead with Technology

Upgrading equipment is easier with finance solutions—giving your business a competitive edge in productivity, safety, and innovation.

Equipment Finance

Benefits of Equipment Finance

Gold Finance goes beyond traditional lending by offering personalised advice, competitive rates, and fast approvals—so your business can focus on what matters most: growth.

At Gold Finance, we provide more than just loans; we offer flexible and tailored equipment finance solutions to suit your business’s unique needs. Whether it’s machinery, vehicles, or technology, we help you acquire the tools and equipment necessary for growth without the financial burden of upfront costs. Our personalized approach ensures that your loan terms align with your cash flow and financial objectives, allowing you to focus on expanding your business. With fast approvals, competitive interest rates, and streamlined processes, we make it easy for you to get the equipment you need quickly. Stay ahead of the competition by financing the latest technology, improving productivity, and optimizing your business operations.

1

Improved Cash Flow Management: Avoid large upfront costs by spreading payments over a flexible term—helping you manage working capital more effectively.

2

Access to Latest Equipment: Finance allows you to adopt cutting-edge technology, vehicles, and machinery without delay—boosting operational efficiency.

3

Flexible Loan Terms & Structures: Choose from various loan and lease options with terms tailored to your industry, budget, and repayment preferences.

Frequently Asked Questions (FAQ)

  • You can finance almost any business-related equipment including vehicles, machinery, computers, tools, hospitality equipment, and more. If it helps run your business, there’s likely a finance option available.

  • It depends on your goals. Leasing suits businesses needing regular upgrades, while loans are ideal if you plan to use the equipment long-term. Gold Finance will guide you to the best option.

  • In most cases, approval takes just a few business days—especially if your documentation is ready. We aim to make the process fast and stress-free.

  • Not always. Some lenders offer 100% finance, meaning no upfront deposit is required. Your eligibility depends on your credit profile and business history.

  • Our team compares multiple lenders, negotiates the best terms, and handles the process for you—from application to settlement—so you can focus on your business.

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Work Proccess

The Equipment Finance Process

1

Identify Equipment Needs

Start by determining the equipment or assets your business requires—this could be anything from commercial vehicles to medical tools or IT systems.

2

Choose the Right Option

Decide between an equipment loan (own the asset) or equipment lease (rent the asset). Some leases even include a buyout option at the end of the term.

3

Submit Application

Provide necessary financial documents and business details. Our team assists you with the paperwork to ensure everything’s in order.

4

Receive Fast Approval & Funding

Once approved, funds or lease agreements are arranged quickly so you can acquire the equipment and put it to work right away.

10 years of working experience

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Why Choose Us?

Our team specializes in helping homebuyers secure tailored loan solutions.

From initial consultation to settlement, we are with you every step.

We craft solutions that align with your financial goals.

Our streamlined processes and expert insights help you save time and money.

4.9
Based on 22 reviews
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Isaac Anyimaye-Agyeman
10:58 24 Apr 25
This is the first time I heard of this Gold Financial institution. The way things went through was so fast and straight forward.
Himmi Brar
09:10 24 Apr 25
Excellent work. Every product knowledge and know what client needs.Best team in process to give best outcome .Fast process of every steps.Highly recommended to everyone.Best service best rewards.
David Reid
23:42 10 Apr 25
The Gold Finance team were friendly, helpful and made the process less stressful. I highly recomend them to anyone looking for a broker.
Renante Ampatin
10:22 19 Mar 25
I highly recommend gold finance group for smooth and fastest approval process for my home loan. Thank you Josh & Ash for the help and your hard work.
hannah yeboah
10:08 19 Mar 25
From start to finish I felt that my needs and concerns were heard. Josh was very professional and understanding at the same time. I will definitely refer my family and friends to the company
tetsuya suzuki
07:12 25 Nov 24
Got me a great home loan and refinancing, will definitely return for next property
Ethan Blankanette
10:31 09 Nov 24
Gold Finance Group were unreal ! Ash and Josh were very assertive and supportive from the start. As a first time young investor/home buyer not only did they assist me through the whole process but they mentored me through it all too. Ash and Josh always took their time to discuss best options and never gave up to get the best loan rates. Always had frequent zoom calls with updates when face to face meetings wasn't possible due to busy work schedules, Professional advice, proactive planning and a brilliant attitude. I highly recommend them and look forward to using them again in the future !
Kim ho
05:24 24 Oct 24
Friendly and helpful. Quick response
Nicole Ross
01:50 11 Oct 24
I had a very positive experience with Gold Finance Group and would be happy to recommend them. Ash really went out of his way to help me and ensure that a suitable solution for my needs was reached.
Amna Khan
08:27 26 Sep 24
Ash provided exceptional service, securing me the best loan rate and continues to offer ongoing support to ensure I always get the best deal. Highly recommend!
Anuj
00:57 26 Sep 24
I had a fantastic experience with Gold Finance Group for my home loan. The team was incredibly professional and was clear from the start. Ash made the entire process smooth and hassle-free. I would highly recommend their services to anyone looking for reliable financial guidance. Plus, their customer service was excellent—quick responses and always willing to answer any questions.
Davis Osei
09:59 23 Sep 24
I am very much satisfied with Gold Finance Group. I highly recommend their services to anyone looking for home, investment or commercial loans. The managers take their time to listen, offer you lots of options and assist you in decision making. I’m extremely satisfied with the results and recommend them to anyone looking to secure their financial future
We had a great experience with Gold Finance Group. Josh provided exceptional customer service, stepping us through the entire process and was readily available to answer all our questions. Josh secured us a good mortgage rate with a reputable bank and made the process easy. From our initial loan enquiry, right through to settlement of our new property, Josh and his team were outstanding. I highly recommend their services. We would definitely use Mortgage Brokers Melbourne for future financial services 100/100.
Portia Opoku Boadi
23:36 22 Sep 24
Gold Finance Group has been instrumental in helping me move closer to my dream of owning a home. Their commitment to assisting everyday Australians achieve property ownership and financial freedom is clear in everything they do. The team is professional, patient, and always willing to go the extra mile to ensure that you understand the process and had the best options available. Thanks to them, I feel more confident about my financial future. I highly recommend their services to anyone looking for reliable financial guidance!
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