Equipment Finance

We offer speedy, no-doc equipment finance for a range of business equipment.

Whether you are after a lease, chattel mortgage, novated lease or hire purchase, at North Coast Lending we have the lending panel and the expertise to help your business grow.

No-doc options for you include:

• Car Finance – up to $150,000 for established businesses with no financials required
• Trucks and Trailers – up to $500,000 for established businesses with no financials required
• Earthmoving – up to $500,000 for established businesses with no financials
• Agricultural Machinery – up to $500,000 for established businesses with no financials
• Materials Handling – up to $250,000 for established businesses with no financials

New to business and need a car? We can help.

Bank couldn’t help? Chances are, we can help.

Whether its a $5,000 floor scrubber or a $1,000,000 scraper you need finance for, we can access the right solution for you at the lowest possible cost.

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What types of equipment can North Coast Lending help finance?

North Coast Lending can arrange finance for a very broad range of equipment including trucks, trailers and commercial vehicles, earth-moving and construction machinery, medical and dental equipment, hospitality and commercial kitchen equipment, manufacturing plant and machinery, IT and technology assets, and agricultural equipment of all kinds. If your business needs it to operate, there's likely a finance structure available for it. The team works with lenders who specialise in specific asset classes, which often means better rates and more flexible terms than a general business loan.

What are the different equipment finance structures, and which is best for my business?

The most common equipment finance structures are chattel mortgage, finance lease, hire purchase and operating lease and each has different implications for your balance sheet, tax position and cash flow. A chattel mortgage is often favoured by businesses wanting to own the asset and claim GST upfront. A finance lease keeps the asset off your balance sheet and may suit businesses that regularly upgrade equipment. Operating leases are popular when you want to use equipment without the risk of ownership. North Coast Lending's equipment finance specialists will work with you and your accountant if needed to identify which structure delivers the best outcome for your specific business.

Can North Coast Lending arrange equipment finance quickly for a business on the Coffs Coast?

Yes. Equipment finance is typically one of the faster finance products to arrange, particularly for established businesses with good credit history. In many cases, North Coast Lending can have an approval in place within 24–48 hours for straightforward applications. The team handles the paperwork and lender negotiations on your behalf, so you can focus on running your business. For larger or more complex equipment packages, the timeline may be longer, but the team will give you a clear picture of what to expect from the outset.

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Looking for a better deal on a loan?

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Whatever asset your business needs to help grow, we can help. Whether it’s a lease, a chattel mortgage, hire purchase or rental, we have a solution for you.

We can offer finance with no financials, fast approvals and at the best possible rate. Whether you’re buying from a dealer or a private sale we have lenders willing to help.

Car Finance

From an office run-around, to customised ute to fleet or luxury car, we offer customised, easy finance solutions and we aim to get you into your new wheels sooner rather than later.

Truck Finance

Whether it’s a prime mover, light truck, tipper or trailer we’ll fund the chassis, the engine and the body modifications on terms that suit you with a minimum of fuss, in the fastest possible time and at the lowest possible cost.

Agriculture

If you can pull it, drive it, plug into a PTO or ride it, we can finance it. If it pumps milk, stores milk, stores grain, moves feed or keeps goods cool, we can finance it. We love helping primary producers to grow, improve and innovate. We can structure repayments to suit the seasons and loan terms to suit your needs. We love schooling big city banks and brokers on what’s what when it comes to agricultural equipment finance.

Earthmoving

If it digs, loads, scapes, grades, or rolls we’d love to finance it. From a 1.5 tonner to a fleet of machinery; whether you’re a plumber, a landscaper or building the Brisbane-Melbourne railway, we are here to help find you the best funding structure for your needs.

Forestry

It’s hard work: its hard on your gear. We get that! We’ll work with you to find the right lender for new gear, used gear even rebuilt and reconditioned gear. We’ll help structure the term and repayments so you’re not paying for equipment long after its useful life is over. We’ll work as hard as you do to make sure your finance is set right from the outset.

Medical

Need a new dentist chair? Sonography equipment? X-Ray room? Practice Fit Out? We have access to both traditional lenders and specialist medical lenders to ensure your finance options are straightforward, low cost and done fast. You won’t even have to leave your practice.

Energy Efficiency

We have access to Clean Energy funders. Whether it’s solar, low emissions vehicles, LED lighting or any other effort to reduce emissions, we have funding options available.