Commercial Finance
For tradespeople and small businesses: equipment, machinery and trade vehicles, with the term matched to the asset's working life.
Request a timeA 15-minute call with Marko, confirmed within one business day.
Alongside the mortgage and vehicle panels, Avala Finance arranges finance for business equipment and machinery for tradespeople, sole traders and small businesses, rather than a general commercial-property lending desk.
Turnaround is usually much faster than a home loan, since it doesn't depend on a property valuation. Lenders will typically want to see recent financials (think BAS or tax returns), so the exact documents depend on the business structure and the size of the loan.
For larger or more complex commercial lending, such as investment-grade commercial property or larger business finance, Marko can refer you directly to a commercial finance specialist rather than trying to force it through the wrong channel.
"Constantly on the ball, answered all of my queries and was readily available for any deals I needed financing for."
Stefan ValkovicGoogle review
- Equipment & machinery financeFor tradespeople and small businesses, with the term matched to the asset's working life.
- Business & trade vehicle financeUtes, vans and fleet vehicles financed for the business, not just an individual.
- Commercial lending referralsFor larger commercial property or business finance, a direct referral to a commercial finance specialist.
Good fit if
- You're financing equipment or machinery for a business or trade
- You want the loan term matched to how long you'll keep the asset
- You want a rate compared before committing to a supplier's in-house finance
Worth knowing
- Lenders usually want recent financials: BAS or tax returns, depending on the loan
- Larger commercial lending is handled via a specialist referral, not directly on this panel
Questions about equipment and business finance
What can be financed?
Most business assets: trade vehicles, machinery, tools, medical and fitness equipment, technology and fit-outs.
What's the difference between a chattel mortgage and a lease?
With a chattel mortgage your business owns the asset from day one and the lender holds it as security. With a lease the financier owns it and you pay to use it. The tax treatment differs, so it's worth checking with your accountant.
Can a new business or sole trader get equipment finance?
Often, yes. Some lenders accept businesses with a short trading history, usually with conditions attached.
Do you arrange commercial property loans?
Larger commercial-property lending is referred to a specialist; Avala Finance focuses on equipment, vehicle and business asset finance.
General information only. Lender policies vary and change. Marko confirms what applies to you on the first call.
Still not sure? Request a time and Marko will look at your situation.