Every machine that earns
a living in Australia.
TMF helps Australian operators finance the machines that keep work moving — from trucks and trailers to excavators, loaders, agricultural equipment, quarry plant and material handling assets. Finance from $30K to $5M+ through a 40+ lender panel, structured around the asset, the job and the way your business earns.
TMF arranges equipment finance for Australian operators across trucks, trailers, construction machinery, agricultural equipment, quarry and mining plant, and material handling assets. Finance ranges from $30K to $5M+ through a 40+ lender panel, with options for new, used, dealer, private-sale and imported equipment.
What TMF finances.
TMF arranges equipment finance for operators who need machinery to win work, protect uptime, replace ageing assets or expand fleet capacity. We finance new, used, dealer-sold, private-sale and imported equipment across six major asset categories, with structures including chattel mortgage, equipment lease, hire purchase and contract-aligned facilities.
- ✓Finance from $30K to $5M+
- ✓Access to a 40+ lender panel
- ✓New, used, dealer, private-sale and imported equipment
- ✓Fast pathways for straightforward sub-$100K deals
- ✓Structured facilities for larger, multi-asset or contract-aligned purchases
- ✓Support across transport, civil, construction, agriculture, quarrying, mining, logistics and plant hire
Choose the equipment you need to finance.
Start with the asset type. Each category links to more specific machine finance pages, repayment guidance and related project demand signals.
Truck Finance
Trailer Finance
Construction Equipment Finance
Agricultural Equipment Finance
Quarry & Mining Equipment Finance
Material Handling Equipment Finance
Not sure where your asset fits? Tell us what the machine needs to do and TMF can point you to the right finance pathway — or run a repayment estimate first if you’re still working through the numbers.
Project demand drives equipment demand.
Major Australian projects create demand for trucks, trailers, earthmoving equipment, lifting gear, quarry plant and support vehicles. TMF tracks project activity so operators can see where equipment demand is building — and plan finance before the pressure hits.
Hunter–Central Coast Renewable Energy Zone
Energy & Renewables
Western Sydney International Airport
Aviation & Infrastructure
Inland Rail — Melbourne to Brisbane
Rail & Freight
Osborne Naval Shipyard Expansion
Defence & Maritime
North East Link
Roads & Tunnels
West Gate Tunnel
Roads & Tunnels
Planning a purchase, replacement or fleet move?
Talk to TMF before the equipment decision becomes urgent. We can help you compare finance pathways, sense-check repayments and understand which lenders are likely to suit the asset, structure and timing.
Know the machine? Now structure the finance properly.
The right finance structure should match the asset, the work it will do and the cashflow of the business behind it. TMF helps operators compare lender appetite, repayment options and approval pathways before committing to the deal.
Equipment finance questions operators ask first.
What types of equipment does TMF finance?+
TMF finances the major equipment categories used by Australian operators, including trucks, trailers, excavators, tippers, prime movers, dozers, loaders, cranes, agricultural machinery, quarry plant, material handling equipment and other income-producing assets. Finance is available across new, used, dealer, private-sale and imported equipment pathways.
What deal size does TMF arrange?+
TMF arranges equipment finance from $30K to $5M+ through a 40+ lender panel. Straightforward sub-$100K deals may suit faster approval pathways, while larger, multi-asset or more complex deals are structured around business strength, asset type, cashflow and timing.
Does TMF finance used and private-sale equipment?+
Yes. Used equipment, dealer-used equipment and private-sale purchases are core TMF work. Some lenders avoid older, imported or private-sale assets, but TMF works with specialist lenders that actively consider these scenarios.
How fast can equipment finance be approved?+
Straightforward deals under $100K can often receive conditional approval within 24 hours, subject to lender requirements and supporting information. Larger, multi-asset, seasonal or contract-aligned structures typically require more detailed assessment.
Do I need a deposit, or can I get no-deposit finance?+
Many equipment finance deals can be arranged with no deposit, particularly for established businesses or property-backed applicants. Contributing a deposit usually lowers your repayments and can improve the rate offered. The right approach depends on the asset, your trading history and cashflow.
Can I get equipment finance for a new business or new ABN?+
Yes — newer businesses and recently registered ABNs can often be financed, though some lenders apply minimum trading periods. Specialist and low-doc lenders on the panel actively consider start-ups, asset-backed applicants and operators with strong contracts behind them. TMF matches the deal to a lender whose appetite fits, rather than relying on a single bank’s rules.
Ready to finance the machine that keeps work moving?
Whether you’re replacing one asset, buying through a dealer, considering a private sale or planning a larger fleet move, TMF can help you structure the deal before timing becomes pressure.