At Machine Finance, we’re not here to service you only when a finance need pops up. We partner with you to plan for growth, guiding the strategy behind your equipment acquisitions and broader finance roadmap. Our role is to help you move from point A to point B with a clear, scalable structure in place – not to respond to your needs reactively. Unlike banks, we’re not confined to one product, and unlike many brokers, we’re not focused on volume and chasing down the next customer. We’re focused on backing the right clients properly, with the long-term in mind, so we can scale together.
When businesses want to scale, their approach to finance needs to evolve. At Machine Finance, we help clients understand that chasing the cheapest rate isn’t always their only move – especially when securing equipment fast is the key to landing new work.
Major banks may offer lower rates, but approvals take time and come with tighter conditions. Non-banks and private lenders can often move faster with competitive pricing, giving you access to capital when speed matters most. We always help you weigh up rate and cost – but also opportunity cost. Delaying a deal to chase a marginally cheaper rate can cost more in lost revenue. Our clients have access to funding lines across major banks, non-banks and private lenders, giving them the flexibility to choose what works best in each scenario.
A well-structured debt spread also reduces risk. Relying too heavily on one lender can lead to restrictive covenants. By syndicating your debt, you maintain control, protect future borrowing capacity, and give your business room to grow.
We’re focused on your growth and servicing your fleet finance requirements even when the finance can’t be brokered by us. If you’re considering OEM, dealer or off-panel lenders like CAT, Kenworth (Paccar) or Hitachi Finance, we’re happy to share insights on their pricing, structures and approval terms.
While Dealer and OEM finance can be sharp, it often comes with catches like deposit requirements, shorter terms, accelerated-higher repayments in the early stages, or GST recoupments. We’ll help you compare options and make the right call. For our larger clients with complex needs, we’ve worked on a consultancy basis and engaged directly with OEM lenders and credit analysts to ensure their application has the best chance of obtaining preferential approvals and terms.
If a deal makes sense off-panel, we’ll back it. Because when you grow, we grow.
As brokers, we get a unique line of sight into your business – often beyond just the finance. We see the bigger picture, including how your advisers and service providers are actually performing – from accountants and insurance brokers to bankers, mortgage brokers and key suppliers.
That visibility puts us in a position to flag what others can’t. We regularly identify issues clients didn’t know existed – like slow, reactive accountants or advisers who aren’t adding value. Most business owners aren’t sure whether their current advisers are the right fit. As business owners ourselves, we understand that uncertainty.
Because we work closely with high-performing clients and trusted professionals across multiple sectors, we know what good looks like – and we can connect you with the right people when it’s time to raise the standard.
Many business owners find it hard to explain their structure – with us, there’s no need. We’re comfortable with complexity and focused on delivering the right finance strategy with minimal stress. Understanding complex or multi-entity business structures is part of our day-to-day. From sole traders to layered inter-company groups with trusts, asset-holding entities, shareholding entities and trading entities, we get it.
We understand tax strategy, why structures are set up the way they are, and can interpret your setup quickly. If needed, we’ll speak directly with your accountant to clarify details and keep things moving.
We also know how to present your structure to lenders in a way that makes sense. Once we understand your business, you won’t need to explain it again. We’ll take it from there.
At Machine Finance, we partner with Australian businesses to deliver smarter, growth-focused finance solutions. More than just a Broker, we act as a long-term partner – aligning finance strategies that gel with your growth ambitions. Whether you’re expanding your fleet, upgrading equipment, or acquiring a new business, our flexible, industry-driven finance solutions help you move forward -faster and smarter.
