A few quick questions. About a minute.
Check your equipment finance options
Answer a few quick questions and see your estimated repayments.
- No credit check at this step
- Free, no obligation
- YFG Approved broker
Every broker here is YFG Approved. Our founder, Andy McMaster, spends over two hours with each one, and we check their references, reviews and licence before they hear from you. How we vet
Machinery, medical, hospitality, IT and more, new or used. Your Finance Guide connects you with one licensed broker who compares equipment lenders for you and calls within one business day.
What are you financing?
Pick the closest match.
Free matching, no obligation and no credit check at this step.
Brokers earn the YFG approval. They can lose it.
A licence is the minimum, not the standard. Before a broker hears from a single borrower they pass six checks, and they have to keep passing them. It takes us hours per broker, and it’s meant to.
Paying us doesn’t buy approval. A broker who fails a check doesn’t get enquiries at any price.
The YFG Approved standard: six checks
Two hours with the founder
Andy spends over two hours with every broker: how they work, how they write loans and how they look after people. If they can’t show they know their profession, it ends there.
References checked
We speak to people who have worked with them, so we hear how they operate when nobody is selling.
Reviews read
We read what their clients say about them in public, the hard reviews as well as the good ones.
Licence and accreditations
Their Australian Credit Licence or credit representative number, looked up on ASIC’s register, membership of AFCA (the free complaints scheme) and their accreditations.
Held to our rules
Your enquiry goes to them alone, not to a list, and they call within one business day, already knowing your answers.
Answerable to you
If a broker doesn’t call, doesn’t explain your options or doesn’t treat you well, tell us. We follow up every report, and a broker who falls short loses their YFG approval.
“We check every broker. I spend over two hours with each one to make sure they understand their profession, know how to write loans and get people what they need.”Andy McMaster, founder
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. Read our Credit Guide.
“I got tired of seeing people get ripped off.”
So I built Your Finance Guide to be the benchmark.
I spent more than a decade in the property industry advising buyers and investors, and I got tired of seeing people get ripped off. So every broker here has sat with me for over two hours, and we have checked their references, reviews and accreditations, before they hear from you.
Andy McMasterFounder, Your Finance Guide · Why I built itHow it works
Step 1: Answer a few quick questions
The equipment, the amount, new or used, and your business on the ABN register. About a minute.
Step 2: See your estimated repayments
Confirm your mobile and they appear straight away.
Step 3: Talk to one licensed broker
They call within one business day, compare lenders and give you your actual rate. No obligation.
See your estimated repayments
Start nowEquipment finance: common questions
What is equipment finance?
A loan for machinery, plant or equipment the business uses, with the equipment as the security. Because the lender can take the equipment back, it usually costs less than an unsecured business loan, and it is often approved from your ABN history, credit file and the quote. The business pays it off over one to seven years.
Do you arrange leases?
No. This service is for loans: a chattel mortgage, where the business owns the equipment from day one, or a hire purchase, where ownership passes with the last payment. If the business is registered for GST, the GST in the price may be claimable on the next BAS; check with your accountant.
Can I finance used equipment or a private sale?
Yes. Most lenders finance used equipment while it is inside their age limit at the end of the term, commonly 10 to 15 years. Used and private-sale equipment usually costs a little more than new from a dealer, and a private sale adds an inspection and a check for finance owing.
What do lenders look for?
An active ABN (two years or more opens the most lenders), GST registration for larger amounts, a clean credit file, and the quote or invoice. Newer businesses, older equipment and imperfect credit are still fundable, usually with a deposit or a specialist lender.
Will this affect my credit score?
No. Your answers only decide which broker should call you. A credit enquiry happens only when you choose to apply with a lender.
How does Your Finance Guide make money?
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. You never pay us. Brokers are usually also paid a commission by the lender when a loan settles, so ask the broker you speak with how they are paid. Full details are in our Credit Guide.
See your estimated repayments
Start now