Equipment finance built around
how operators actually work.
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.
What TMF actually does.
TMF (Transport & Machinery Finance) is an Australian equipment finance brokerage specialising in heavy machinery, trucks, and plant finance for operators in transport, civil construction, earthmoving, mining, trades, and agriculture. TMF arranges finance from $30K to $5M+ through a panel of over 40 lenders, offering chattel mortgage, equipment lease, hire purchase, and contract-aligned structures across Australia.
Built for the operators banks keep making wait.
The bank problem
Equipment finance at most banks is a sideline. It is handled by generalist lenders who do not know the difference between a tipper and a prime mover, and who structure every deal the same way regardless of the work the asset will do.
Dealer finance is captive to one lender, and the price reflects it. You find out too late that the “easy” option cost you a better structure and a better rate.
How we work
You talk to a TMF specialist who understands your industry. Not a queue, not a script, not a rotating cast of junior assessors.
We structure, we negotiate, and we coordinate with your equipment seller so the deal lands on time. When approval comes through, it matches the conversation you had on day one.
Most of our deals come from operators who have worked with us before, or from operators they have referred. Referrals are the measure of whether we did the job right last time.
Six principles. No slogans.
Speak the industry
We know the difference between a civil operator and a linehaul fleet. The conversation reflects it.
Structure, not template
Every deal is built around the asset, the revenue, and the operator. Templates miss the point.
Independent always
40+ lenders, no allegiance, no pressure. We recommend what fits the deal, not what pays the best commission.
Show the work
The Project Hub, the calculator, the Fleet Fitness Check — these are free because they make us useful before we are promotional.
Own the relationship
Most of our deals come from repeat clients or their referrals. That is the only metric that actually matters.
No hype
We do not oversell, we do not exaggerate approvals, and we do not promise things lenders will not deliver.