We listen, we care
Equipment Finance
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intellichoice
What Finance Options Are Available?
Whether start-up, fully-established or growing, when your business needs to invest in new equipment, cash flow is a key concern. Even if you have the capital on hand, it may be a better financial decision to finance the purchase.
Lease and Loan Options
You can invest in new equipment through either a lease or a loan. We have both options to give you flexibility—quickly get the assets you need while also managing your balance sheet.Bad Credit Equipment Finance
Bad credit makes it difficult to get traditional loans, but we help you build your business and rebuild your credit through specially-structured bad credit equipment loan.Which financing option is best for you?
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intellichoice
Can Equipment Financing Help Build My Business?
Whether it’s short-term financing or a large loan to take your organisation to the next level, a business loan could give you the edge you need to succeed. We get to know your situation to put your application in front of the lenders who match your needs, such as:
Want to know how much financing you qualify for?
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Structuring your payments to match your business operations
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Avoiding major upfront cash outlays and conserving your capital for other expenses
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Simplifying administration of repayments by allowing all your assets to be combined into a single lease arrangement
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Improving your balance sheet
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Eliminating the risk and cost associated with obsolete equipment
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Accessing new energy-efficient and carbon reduction technologies
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Providing flexible end-of-term options
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Combining various assets sourced from multiple vendors on one agreement
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WE ARE TRUSTWORTHY
Why Partner with Intellichoice?
Having the right equipment is crucial for the growth of your business. If you’ve found the assets you need, we’ll simplify the process and use our experience to help you make the best financial decision in acquiring them.
- Fast and simple. We manage the process and get fast approval so you can focus on managing your business.
- Get tailored packages. Through our lender resources, we create lease and loan deals that other brokers can’t match.
- Relevant finance options. We understand the diverse circumstances of self-employed, SMOs, contractors and large corporations and anticipate your needs.
- Options for good or bad credit. We have access to lenders who specialise in credit histories of all sorts and successfully navigate their application requirements.
- Work with a responsive team. We partner with you from start to finish and keep you informed at every stage of the process.
Ready to start the equipment finance process?
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intellichoice
Frequently Asked Questions.
Where are your loans available?Owner builder loans are available in QLD, NSW, VIC, ACT, WA, TAS, and SA.
What paperwork do I need to have ready?You will need documented evidence of income, liabilities and assets, detailed plans with drawings, a list of costs spent to date, and basic project costings. A specialist cost estimate worksheet is also issued.
Should I seek pre-approval first?Yes. Because owner building is complex, arranging finance first helps determine affordability and improves project success.
What is the maximum LVR I can get?Specialist lenders typically offer LVRs from 70% up to 80% of the completed value.
What do I need to show to prove my project?A detailed cost estimate covering each part of the project, confirmed by a bank valuer or quantity surveyor.
How does the funding process work?There are two stages: affordability assessment followed by valuation. The borrower contributes a minimum of 20% upfront, with remaining funds released progressively.
What Are Owner Builder Loans and How Do They Work?Owner builder loans are specialised home construction loans designed for people managing and building their own home project rather than using a registered builder. These loans typically offer progressive funding throughout the construction process and often use interest-only repayments during the build phase.
How Can I Apply for Owner Builder Finance in Australia?To apply for owner builder finance, lenders usually require council-approved plans, detailed construction costs, timelines, permits and evidence of your financial position. Working with an experienced owner builder loan broker can improve your chances of approval and help identify lenders offering suitable owner builder home loans.
Are Owner Builder Home Loans Harder to Get Approved?Owner builder home loans can be more complex than standard mortgages because lenders view self-managed construction projects as higher risk. However, with the right documentation, realistic budgeting and professional guidance, many borrowers successfully secure owner builder construction loans in Australia.
What Is the Difference Between Owner Builder Loans and Residential Construction Loans?Residential construction loans are commonly designed for projects managed by licensed builders, while owner builder loans are specifically structured for individuals overseeing their own build. Owner builder finance options may have different lending criteria, lower loan-to-value ratios and stricter approval requirements.
What Are the Benefits of Building Your Own Home?Building your own home gives you greater control over design, materials, finishes and budgeting. Many owner builders also achieve significant owner builder cost savings by reducing builder margins and managing labour and materials directly.