finance the tools that POWER YOUR BUSINESS
Need a new vehicle, machine, or major piece of equipment for your business — but don’t want to tie up your cash flow?
At Edgewater Finance, we make it easy to access fast, flexible asset and equipment finance that helps your business grow without the headaches of traditional bank loans. Whether you're upgrading a fleet, buying a new ute, or investing in plant or tech — we've got finance solutions that work on your terms.
what can ASSET & EQUIPMENT FINANCE be used for?
We arrange funding for:
- Cars, utes, vans, and light commercial vehicles
- Trucks, trailers, and heavy vehicles
- Excavators, bobcats, and earthmoving equipment
- Forklifts, cranes, and factory machines
- Medical and dental equipment
- IT hardware, telecoms systems, and software
- Office fit-outs and furniture
- Agricultural machinery (tractors, sprayers, harvesters)
- Solar and energy systems
WHY USE EDGEWATER for equipment finance?
01
Fast Turnaround
We can get many asset loans approved in 24–48 hours with the right documents — sometimes same-day for simple purchases.
02
Low Doc Friendly
We work with business owners who don’t have time to prep full financials. Let us handle it with alt doc options.
03
Access to 30+ Specialist Lenders
We compare major lenders, non-bank funders, and equipment finance specialists to get you better terms and faster decisions.
04
Tax-Smart Structuring
We help align your loan with your tax strategy — including balloon payments, instant asset write-off eligibility, and GST-efficient options.
05
Personal Service
No call centres. Just an experienced broker working directly with you to understand what you need and how fast you need it.
how equipment finance WORKS
Most equipment loans are structured as:
Chattel Mortgage
You own the asset from day one, and the loan is secured against it. Great for tax deductions and cash flow.
Lease or Hire Purchase
Use the asset while making fixed payments — ownership may transfer at the end of the term.
Low Doc & No Financials Options
Don’t have full tax returns ready? No worries. Many lenders offer fast approval based on ABN, bank statements, or BAS.
Case Study
tradie ON THE MOVE
Dave is a self-employed plumber who needed a new ute and trailer setup worth $72,000. His accountant hadn’t finished last year’s returns, so the bank said no.
What we did:
- Arranged low doc vehicle finance using 6 months of bank statements and a signed accountant declaration
- Secured a 5-year term with a balloon residual to lower repayments
- Approved and settled the loan within 48 hours so Dave could get back on the road
“I couldn’t believe how fast and easy it was. The big banks made it hard, but Edgewater got it sorted without the stress.” – Dave R.
FAQs - ASSET FINANCE
How much can I borrow for equipment or vehicles?
Loans typically range from $10,000 to $500,000+, depending on the asset, lender, and your business profile. We’ll assess how much you can borrow with or without full financials.
Do I need a deposit?
Often no deposit is needed, especially for vehicles or common machinery. 100% financing is possible for established businesses.
What’s the benefit of a balloon/residual payment?
A balloon payment reduces your monthly repayments by pushing a portion to the end of the loan. It helps with cash flow management and often matches asset depreciation cycles.
Can I finance second-hand equipment?
Yes — most lenders will finance second-hand gear, especially if it’s less than 5–7 years old and in good condition.
How fast can it be approved?
With the right docs, we can often get same-day or 24-hour approvals for low doc equipment loans. More complex deals may take 2–5 days.