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Equipment finance
Apt Wealth Finance, powered by Acceptance Finance
Own your equipment instead of paying someone else’s loan off
Still paying inflated hire costs? You may be surprised how much your business can save by financing and owning equipment as you go, rather than renting and never owning. We source competitive options across the full range, whatever the size of your investment.
Buy and own, don’t rent and repeat
Renting means paying off someone else’s asset forever. Financing means the equipment eventually belongs to your business, and technology upgrades can bring efficiencies worth having sooner rather than later.
Our dedicated team sources the most competitive and appropriate vehicle and equipment finance, and tailors the structure to your asset so you can claim the tax-effective benefits available while keeping your cash flow under control.
How to apply for equipment finance
From first conversation to long after settlement, here is how your broker works with you.
1
Connect with us
Book an appointment by phone, video or in person. We’ll work out which product suits your situation.
2
Get a recommendation
Your broker recommends an equipment finance product with lender, rate, fees and any balloon or residual payment set out clearly.
3
Apply and settle
Once you decide, we handle the paperwork and the application, then liaise with the vendor to help with settlement.
4
Ongoing care
Your broker stays available for the life of the facility and for whatever your business needs next.
What we finance
From heavy machinery to office fit-outs, we cover the equipment your business runs on:
Plant and machinery
Earth-moving machinery, forklifts, boom and scissor lifts, compressors, CNC and manufacturing machinery.
Medical and dental
Specialist equipment for medical and dental practices, financed to suit your practice’s cash flow.
Office and technology
Computer hardware and software, printers, copiers, telephone systems and other office equipment.
Business fit-out items
Portable offices, shelving, racking, scaffolding, fittings and more.
Women, retirement and long-term security
A practical guide to building the retirement you want, written for the way women actually move through their working lives and beyond.
- How to understand and strengthen your super position at any age
- Catch-up strategies after career breaks or part-time work
- Smart, tax-effective ways to draw income in retirement
- Planning for aged care, including keeping the family home
- The most common retirement mistakes, and how to avoid them
Apt Wealth Partners · Whitepaper
Women, retirement and long-term security
Meet the brokers behind your loan
Our finance specialists bring a large panel of lenders, deep knowledge of lender policy and a best interests duty to every conversation. Whatever you’re financing, you’ll find someone ready to listen first and help you plan with confidence
Giulia Polizzi
Giulia Polizzi
Finance Broker – Vehicle & Equipment
Giulia Polizzi is Acceptance Finance's Vehicle and Equipment Finance specialist, and the main point of contact for car, plant and equipment finance across the business.
Balwyn, Melbourne
Minji Kim
Minji Kim
Finance Broker
Minji Kim is a Finance Broker at Acceptance Finance, an award-winning broker known across Balwyn and Ringwood, and a trusted contact for Melbourne's Korean community.
Balwyn and Ringwood, Melbourne
Sally Whitworth
Sally Whitworth
Finance Broker
Sally Whitworth is a Finance Broker at Acceptance Finance, focused on educating clients so they can make informed decisions about their loan choices.
Balwyn, Melbourne
What our clients often ask us
Is it really cheaper to finance than to hire?
Often, yes. Hiring means paying indefinitely for an asset you never own. Financing spreads the cost while the equipment ultimately becomes yours, and it can bring the efficiencies of newer technology sooner. We’ll compare the numbers for your situation.
What’s a chattel mortgage?
It’s a common commercial finance product where you own the asset from the outset and the lender takes security over it until the loan is repaid. It’s one of several structures we’ll match to your asset and tax position.
Can I get finance without full financial documentation?
Eligible clients can access no-financials asset lending of up to $35,000, subject to a clear credit history, property ownership, a deposit of 20 to 30 per cent depending on the lender and company director’s guarantees.
Will this be tax-effective for my business?
Our products are structured so you can claim the tax-effective benefits available for your asset, but the right treatment depends on your circumstances. We’ll structure it with your accountant so it’s done properly.
Reading for your finance journey
Practical guidance on borrowing, structuring finance and the decisions ahead of you.
How to build financial confidence: A guide for women who want to take charge
Michelle Heffernan
Jun 05, 2026
There’s one thing that we consistently see lacking in women’s finances. And that’s confidence. Highly capable, intelligent women who completely underestimate themselves. Confidence and knowledge are not the same thing,...
Read more
Closing the retirement savings gap for women
Tracey Pace
May 09, 2025
In Australia today, women are still retiring with around 30% less superannuation than their male counterparts. And while some positive systemic changes are taking place, such as the government introducing...
Read more
Why it’s critical that women stay on top of their finances.
Emily Lanciana
Jul 09, 2018
Women face unique challenges when it comes to finance; factors such as the gender pay gap and increased likelihood of a career break to care for children or elderly parents...
Read more
Explore more on the Apt Wealth Partners blog.
Finance the equipment your business needs
Book a no-obligation chat with an equipment finance specialist and we’ll source competitive options for your next purchase.
Prefer to talk now? Call us on 1800 801 277
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