Practical tools for smarter
equipment decisions.
Use TMF's calculators, checks and planning tools to estimate repayments, compare machinery, assess finance readiness and understand fleet pressure before the decision becomes urgent. Built for Australian operators who want practical answers before they speak to a broker.
TMF provides practical equipment finance tools for Australian operators, including repayment calculators, fleet checks, machinery comparisons, project tracking, buying checklists and finance readiness resources. The tools help operators plan machinery purchases, replacements and fleet growth before speaking with a broker.
Choose the tool that matches your next decision.
Start with the question you need answered — repayment cost, finance readiness, fleet pressure, project demand, machine comparison or buying risk.
Equipment Finance Calculator
Estimate repayments before you commit to the asset, structure or timing. Adjust price, term, deposit, balloon and rate to understand what may fit your cashflow.
Compare Machines
Compare specs, productivity factors and ownership considerations across 200+ machines before choosing the asset your business will rely on.
Fleet Fitness Check
Review your fleet pressure points in five minutes. Identify ageing assets, downtime risks and replacement priorities before they start costing work.
Project Hub
Track major Australian projects, tender activity and equipment demand signals so you can plan machinery before project pressure hits.
Machinery Buying Checklist
Work through the practical checks before buying used, imported or private-sale equipment. Reduce the risk of signing for the wrong machine or the wrong structure.
Industry Glossary
Plain-English explanations of equipment finance terms, lender language, asset classes and structures operators are likely to encounter.
Asset Finance Readiness Scorecard
Check how finance-ready your business looks before a lender reviews the application. Identify strengths, gaps and next steps before urgency appears.
Rate Check Calculator
Already have a rate from a dealer, bank or lender? Sense-check the offer against current market ranges before you sign.
Practical Guides & Templates
Downloadable planning sheets, replacement-cycle templates and contract checklists to help you prepare before the finance conversation.
Not sure which tool to start with?
Tell us what you are trying to work out — repayments, approval readiness, replacement timing, project demand or machine comparison — and TMF can point you to the most useful next step.
Built to help you make the next equipment decision with more confidence.
TMF’s tools are designed to give operators practical clarity before the sales conversation — whether you are estimating repayments, comparing machines, replacing ageing equipment or preparing a stronger finance application.
Need a quick walkthrough?
Watch TMF explain equipment finance tools, repayment estimates and machinery planning on YouTube.
Questions operators ask about TMF tools.
Are TMF’s tools free to use?+
Yes. TMF’s calculators, checks and planning resources are free to use. Some tools may offer the option to email yourself a result, checklist or report, but the tools remain useful before any sales conversation.
Do I need to sign up before using the calculator?+
No. Operators can estimate repayments without signing up. If you want a copy of the result or want TMF to review the scenario, you can choose to share your details.
Can TMF help me understand the result?+
Yes. If a tool result raises questions about repayments, lender appetite, asset type, timing or structure, TMF can help you interpret the result and work through the next step.
Are the repayment estimates a formal finance approval?+
No. Calculator outputs are estimates only and are not finance approvals. Actual approval, rates and repayments depend on lender assessment, asset type, business strength, supporting documents and final loan structure.
Can I use the tools for used or private-sale equipment?+
Yes. TMF’s tools are useful for new, used, dealer, private-sale and imported equipment decisions. For used or private-sale purchases, it is worth speaking with TMF early because lender appetite can vary depending on the asset, age, seller and documentation.
Have a machine, number or decision in mind?
Use the tools to get a clearer starting point — then speak with TMF before the decision becomes urgent. We can help you compare finance structures, understand lender appetite and plan the right pathway around the asset, timing and cashflow of the business.