Business Equipment Finance

The right equipment is the engine of your business, driving productivity and profitability. Equipment finance is the smart way to acquire the essential tools you need to grow, without tying up your valuable working capital. At Max Rich, we specialise in securing fast, competitive finance for a vast range of business equipment.

Equipment Finance for Gold Coast Businesses

In today's fast-moving Gold Coast market, having modern, reliable equipment is crucial. Whether you're in construction, hospitality, manufacturing, or healthcare, we understand that the right machinery is a non-negotiable part of your success. From funding an excavator for a project in Pimpama, to fitting out a new cafe in Broadbeach, or upgrading the diagnostic tools in a Robina medical suite, we are your expert finance partners. We make the process fast and simple so you can get your new equipment on-site and generating revenue.

Our Streamlined Equipment Finance Process

Our process is built for busy business owners. We handle the complexities of the application so you can focus on what you do best—running your business.

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1

Initial Quote & Needs Analysis

‍We begin with a quick discussion about the specific equipment you're buying, the supplier, and your business structure to provide a tailored quote.

2

Simple & Fast Application

‍Our application process is designed to be as efficient as possible. We minimise the paperwork and offer streamlined documentation options for established businesses.

3

Specialist Lender Matching

‍We connect you with the right lender from our extensive panel—one that understands your industry and has the best rates for your specific type of equipment.

4

Securing a Quick Approval

‍We know that business opportunities don't wait. We work to secure a fast credit decision, often within 24-48 hours, so you can commit to your purchase.

5

Supplier Invoice & Settlement

‍Once approved, we liaise directly with your equipment supplier. We pay their invoice and handle all the settlement paperwork for you.

6

Your Equipment is Delivered

‍With the finance settled, your new equipment is delivered and ready to be put to work, helping you serve your customers and grow your bottom line.

Explore your loan options & their features.

We can finance almost any income-producing equipment for your Gold Coast business, using smart structures like a Chattel Mortgage or Finance Lease to maximise your benefits.

Commercial hire purchase

A Commercial Hire Purchase (CHP) is a straightforward finance agreement where a lender purchases an asset on your behalf and hires it to your business for a fixed term. Your business has full use of the asset while making regular payments.

Chattel mortgage

Commonly used by business owners and operators for car and equipment finance.  With a chattel mortgage, the asset is owned by you from the outset and the loan agreement is secured by the asset.

Finance lease

A Finance Lease is a powerful tool for Gold Coast businesses to acquire essential vehicles or equipment without any upfront capital outlay. Under this arrangement, the financier purchases the asset on your behalf, and your business leases it from them for a fixed monthly rental payment over an agreed term.

Novated lease

A Novated Lease is one of the most tax-effective ways for salaried (PAYG) employees on the Gold Coast to finance and run a vehicle. It's a simple arrangement between you, your employer, and a financier, where your car payments and all running costs are bundled into one regular deduction from your pre-tax salary.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Balloon Payment Calculator

Use the balloon payment calculator to understand the impact that a balloon payment will have on your monthly loan repayments and the total amount of interest you’ll be required to pay.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Car Loan Calculator

Find out how much your car loan repayments will be, and the total interest charged for the car loan.

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Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Frequently asked questions.

View our full FAQs
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Can I get a mortgage with bad credit?

While having bad credit can make it more challenging to secure a mortgage, it is not impossible. Some lenders specialize in offering loans to individuals with lower credit scores.

Options for Borrowers

Borrowers with bad credit may consider options such as FHA loans, which are designed for those with less-than-perfect credit. Additionally, improving credit scores before applying can increase the chances of approval.

Can you help me figure out my borrowing capacity?

Absolutely. Your borrowing capacity is a calculation of how much a lender will loan you based on your income, debts, and living expenses. While online calculators offer a rough estimate, we provide a far more accurate and reliable assessment. We will analyse your financial situation to give you a clear budget and help you secure a formal pre-approval, which is the green light you need to search for property with real confidence.

How long does it take to close?

The time it takes to close on a mortgage can vary, but it typically ranges from 30 to 45 days. Factors that can influence this timeline include the lender's processing speed, the complexity of the loan, and the responsiveness of all parties involved.

Tips for a Smooth Closing

To ensure a smooth closing process, maintain open communication with your lender and promptly provide any requested documentation.

How much can I borrow?

Your borrowing capacity depends on several factors, including your income, financial commitments, living expenses, and the size of your deposit. While online calculators provide a rough estimate, our detailed assessment provides a much more accurate figure. We do this as part of a formal pre-approval process, so you know exactly what your budget is before you start looking.

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How to apply for a mortgage?

Applying for a mortgage involves several steps. First, gather necessary documents such as proof of income, tax returns, and credit history. Next, research different lenders and mortgage products to find the best fit for your needs.

Steps to Follow

  1. Gather financial documents.
  2. Check your credit score.
  3. Shop around for lenders.
  4. Submit your application.

Following these steps can streamline the mortgage application process.

Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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