How much could you
borrow for equipment?
Answer a few questions about your business and we’ll show you the indicative asset-finance capacity you could reach across our 40+ lender panel — and what you’d need to support it.
Answer the questions on the left and hit See my borrowing capacity. We’ll show the figure you could reach and what you’d need to support it.
Questions operators ask about borrowing capacity.
How is my borrowing capacity worked out?+
The tool applies TMF’s low-doc and full-doc lending logic across a few key factors — whether you own property, how long you’ve been registered for GST, your deposit, whether you can provide full financials, confirmed work in hand and your existing facility conduct. It returns the highest indicative tier your profile reaches.
Is this a finance approval or a guaranteed amount?+
No. The figure is indicative only and is not an approval or a formal offer. Actual capacity depends on the full application, the asset, your financials, tax position and the lender’s assessment. It’s a starting point for a conversation with TMF.
Do I need to own property to borrow?+
No. Non-property owners can still access equipment finance — the tool shows the tiers available without property, which typically depend on your deposit, GST history and whether you can provide financials. Property owners generally reach higher indicative capacity.
What does “low-doc” versus “full financials” mean?+
Full financials means you can provide your last two years of tax returns and financial statements, which supports the strongest capacity. Low-doc means limited financials — capacity is still available but is usually supported by a deposit, confirmed work or an existing facility with clean repayment history.
Why do you ask about tax debt, turnover and the asset?+
Those details help TMF qualify the enquiry and prepare the right lender approach — they don’t change the indicative figure shown here, but they matter when structuring a real application.