TMF helps Australian operators finance the trucks, machinery and equipment that keep work moving. We combine equipment finance, lender access and practical machinery planning so operators can make better decisions before timing, cashflow or downtime becomes pressure.
TMF, Transport & Machinery Finance, is an Australian equipment finance brokerage helping operators finance trucks, trailers, heavy machinery, agricultural equipment, quarry plant, material handling assets and other income-producing equipment. TMF arranges finance from $30K to $5M+ through a 40+ lender panel and supports operators across transport, civil, construction, agriculture, mining, quarrying, logistics and plant hire.
TMF, Transport & Machinery Finance, is an Australian equipment finance brokerage for operators who rely on trucks, trailers, yellow goods, agricultural machinery, quarry plant, material handling equipment and other income-producing assets. TMF arranges finance from $30K to $5M+ through a 40+ lender panel, with structures including chattel mortgage, equipment lease, hire purchase and contract-aligned facilities across Australia.
TMF is a brand of Commercial Introducer Pty Ltd, part of the Sydney Commercial Finance group of companies. Sydney Commercial Finance is an authorised credit representative under Australian Credit Licence 531308. Credit Representative Number 520261. Credit representation details and responsible lending statements are available on request.
Equipment finance often needs more context than a standard application allows. The asset, age, seller, work pipeline, repayment timing and business structure can all affect lender appetite — especially for used, private-sale, imported, specialised or larger-ticket equipment.
Dealer finance can be convenient, but it is not always the best structure. Operators should understand how lender choice, rate, repayment terms, balloon, documentation and approval timing compare before committing to the deal.
You speak with a TMF specialist who understands equipment finance, lender appetite and the commercial reality behind the asset. We look at what the machine needs to do, how the business earns, what timing matters and which lenders are likely to fit the scenario.
TMF structures the application, compares lender pathways, coordinates with the seller where needed and helps keep the finance process moving so the decision, approval and settlement stay aligned.
Many TMF enquiries come from repeat clients or referrals. That matters because equipment finance is relationship work — operators return when the structure, communication and outcome held up after settlement.
The finance conversation should reflect the industry, asset and work the machine is being bought to support.
Every finance pathway should be shaped around the asset, the revenue profile, the seller, the timing and the operator behind the application.
TMF works across a 40+ lender panel so operators can compare lender appetite, structure and fit before committing to one pathway.
TMF’s Project Hub, repayment calculator, Fleet Fitness Check and machinery comparison tools are designed to be useful before the sales conversation.
The relationship should still feel strong after settlement. Repeat clients and referrals are a practical signal that the work held up.
TMF does not overstate approval certainty or promise outcomes a lender has not confirmed. Operators need clear guidance, not hype.
Equipment finance is personal work — operators need to know who is handling the conversation and what they understand. TMF is led by specialists with deep lender relationships and an industry focus on equipment-heavy businesses, backed by the Sydney Commercial Finance group of companies.
Meet the people behind TMF →Operators come to TMF when timing, lender appetite, seller conditions, asset type or business growth plans need more than a standard finance quote. A few of the deals we’ve settled — see them all on the testimonials page.
$875,000 financedTwo new Mack Metroliners with Sloanebuilt tipper bodies, heading to work on the Sydney Metro Eastern package. KBK wanted a broker that understood the high standards of infrastructure work — TMF approved the new business for both trucks on a 20% deposit, with a smooth application and approval.
Peter — KBK Truckin’
$230,000 financedHis first lend, with financials that weren’t fully up to date. Most lenders won’t consider a deal this size for a first-time borrower — TMF highlighted the strengths of the deal and secured a near-bank rate.
Scott — SGD Civil
$750,500 financedHe’d tried manufacturer finance and the banks, but the process was dragging. TMF secured an approval in a few days, then negotiated loan terms over two weeks until he was happy — settling before the new year so the pump could go straight to site.
Jordan — CCS Chiappori
$250,000 financedA long-standing client who consistently upgrades their fleet. The directors call and have approval within two days — deals routinely settle off a single email, a tax invoice and a phone call when the approval comes through.
Brisbane Dozer & Excavator Hire
$365,300 financedA new business with a great work opportunity in front of it. TMF got the client approved with no deposit so they could take the work on.
Solomone — Latu Concrete Pumping
$164,000 financedCame to TMF with a quote from another broker — which TMF comfortably beat. He now has the confidence of knowing he got the best deal available.
Kieran — Lynchy Construction
$239,910 financedA 2025 Zoomlion ZTC250 all-terrain mobile crane financed for steel erection and lifting work.
Qijia — Steel Mission
$190,000 financedThe first purchase for a new driver-training venture. On the strength of the operator’s industry experience and committed clients, TMF secured a favourable approval to get the business on the road.
Humam — Regional Truck Training
$553,700 financedA 2024 Mack Trident prime mover and YLZ quad-axle tipper trailer financed to grow the tipping operation.
Robert — Atlas Tipping
$970,000 financedTwo Kenworth K200 prime movers and Tefco tipper trailers for long-haul waste disposal to a regional tip. The setup lets the business haul waste one way and pick up a back-load on the return — turning every trip into revenue both directions.
Tempus Civil Consulting
$140,000 financedUnder two years of ABN and no deposit — TMF still got the deal approved.
Shay — Corcoran’s Civil & Earthworks
$430,500 financedA Kenworth T908 prime mover and AAA side-tipper trailers financed for bulk haulage work.
Ben — Marshall Haulage
$356,083 financedA 2025 Isuzu FXZ and front-loader package to expand a growing skip-bin operation.
Lisa — Blue Skip Bins
$385,000 financedA 2019 Mack Metroliner 10×4 with live-bottom body — one of several trucks TMF has financed for the business.
Sam — Celman Contracting
$223,000 financedA new Isuzu FSR with a West-Trans bin lift, financed to grow the skip-bin fleet.
Dallas — Faster Skips
$875,000 financedTwo new Mack Metroliners with Sloanebuilt tipper bodies, heading to work on the Sydney Metro Eastern package. KBK wanted a broker that understood the high standards of infrastructure work — TMF approved the new business for both trucks on a 20% deposit, with a smooth application and approval.
Peter — KBK Truckin’
$230,000 financedHis first lend, with financials that weren’t fully up to date. Most lenders won’t consider a deal this size for a first-time borrower — TMF highlighted the strengths of the deal and secured a near-bank rate.
Scott — SGD Civil
$750,500 financedHe’d tried manufacturer finance and the banks, but the process was dragging. TMF secured an approval in a few days, then negotiated loan terms over two weeks until he was happy — settling before the new year so the pump could go straight to site.
Jordan — CCS Chiappori
$250,000 financedA long-standing client who consistently upgrades their fleet. The directors call and have approval within two days — deals routinely settle off a single email, a tax invoice and a phone call when the approval comes through.
Brisbane Dozer & Excavator Hire
$365,300 financedA new business with a great work opportunity in front of it. TMF got the client approved with no deposit so they could take the work on.
Solomone — Latu Concrete Pumping
$164,000 financedCame to TMF with a quote from another broker — which TMF comfortably beat. He now has the confidence of knowing he got the best deal available.
Kieran — Lynchy Construction
$239,910 financedA 2025 Zoomlion ZTC250 all-terrain mobile crane financed for steel erection and lifting work.
Qijia — Steel Mission
$190,000 financedThe first purchase for a new driver-training venture. On the strength of the operator’s industry experience and committed clients, TMF secured a favourable approval to get the business on the road.
Humam — Regional Truck Training
$553,700 financedA 2024 Mack Trident prime mover and YLZ quad-axle tipper trailer financed to grow the tipping operation.
Robert — Atlas Tipping
$970,000 financedTwo Kenworth K200 prime movers and Tefco tipper trailers for long-haul waste disposal to a regional tip. The setup lets the business haul waste one way and pick up a back-load on the return — turning every trip into revenue both directions.
Tempus Civil Consulting
$140,000 financedUnder two years of ABN and no deposit — TMF still got the deal approved.
Shay — Corcoran’s Civil & Earthworks
$430,500 financedA Kenworth T908 prime mover and AAA side-tipper trailers financed for bulk haulage work.
Ben — Marshall Haulage
$356,083 financedA 2025 Isuzu FXZ and front-loader package to expand a growing skip-bin operation.
Lisa — Blue Skip Bins
$385,000 financedA 2019 Mack Metroliner 10×4 with live-bottom body — one of several trucks TMF has financed for the business.
Sam — Celman Contracting
$223,000 financedA new Isuzu FSR with a West-Trans bin lift, financed to grow the skip-bin fleet.
Dallas — Faster Skips
TMF works with operators across transport, civil and earthmoving, construction, agriculture, mining and quarrying, logistics, trades and plant hire. Whether you are replacing one machine, buying through a dealer, considering a private sale or planning a larger fleet move, the finance pathway should match the business behind it.
TMF arranges equipment finance for Australian operators buying trucks, trailers, heavy machinery, agricultural equipment, quarry plant, material handling equipment and other income-producing assets. TMF works across a 40+ lender panel and supports finance from $30K to $5M+.
TMF is an equipment finance brokerage, not a bank. That means TMF can compare lender pathways across a panel rather than being limited to one bank or one dealer finance option.
TMF works with operators across transport, civil construction, earthmoving, agriculture, mining, quarrying, logistics, trades, construction and plant hire.
No. TMF supports new, used, dealer, private-sale and imported equipment finance, subject to lender requirements, asset type and documentation.
TMF is Sydney-based and works with operators across Australia.
TMF is a brand of Commercial Introducer Pty Ltd, part of the Sydney Commercial Finance group of companies. Sydney Commercial Finance is an authorised credit representative under Australian Credit Licence 531308. Credit Representative Number 520261.
Tell TMF what you are buying, replacing, comparing or planning. We’ll help you work through the finance pathway, likely lender fit and next practical step.