Equipment Finance Australia

Rated 5-stars on Google

Machinery, Gear & Yellow Goods — Equipment Finance Made Simple

Fast approvals. Competitive options. Flexible finance for all types of equipment.

Our Best Rate
12 Oct 2026
5.89

%*

P.A.
Comparison rate: 6.53%

Personalised quote returned same day

Quote has no impact on your credit score

Our experts make getting the best loan simple

Get A Quick Same Day Quote

Complete the form or call 1300 205 246 if you have any questions

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50+ Lenders Means We Find The Right Finance Option For You

0 +

Loans Approved

$ 0 M

In Finance Secured

Rated 5-stars on Google

We Make Financing Equipment For Your Business Easier​

Going directly to a bank often means slow processes, strict criteria, and limited finance options.

We make the experience easier by:

Whether you’re upgrading machinery, replacing ageing equipment, or expanding your operations, we make securing equipment finance straightforward. You get the right equipment finance – structured the right way – with zero stress.

A Better Way to Finance Your Equipment

What You Want

How We Make It Easy

A competitive finance option without shopping around

We compare a panel of specialist equipment lenders

A personalised quote you can rely on

We assess your scenario upfront with no impact on your credit file

A quick and simple approval process

We manage the paperwork and guide you through the entire application

Clarity on which finance structure suits your needs

We explain the options clearly and recommend what fits your business

Fast turnaround so you can get equipment working sooner

We work with lenders known for efficient, commercial approvals

How Equipment Finance Works With Rivercity

Tell us what you need

Excavator? Crane? Workshop gear? We’ll match the right loan type.

Compare options

We assess 50+ lenders and explain your best-fit offers.

Fast Approvals

Our low-doc, business-friendly process gets results quickly.

Buy & operate

Funds are released fast so you can purchase and deploy your gear ASAP.

Loan terms range from 1–7 years with balloon options and no early termination fees on select agreements.

why choose us

Benefits of Financing Your Equipment With Us

Low-doc and full-doc options available

Fast approvals

many within 24 hours

All industries and equipment types covered

Private and dealer purchases OK

National coverage

we work with clients across every state

Fleet pricing access for eligible purchases

Transparent fees and support from day one

client testimonials

Trusted by Australians Nationwide

I had the pleasure of working with James at Rivercity Finance for financing some business equipment, and I couldn't be happier with the experience. After dealing with a few brokers, it was clear that James stood out as the best. He was knowledgeable, professional, and truly understood my needs. James took the time to explain the options available, ensuring I felt confident in my decisions. His responsiveness and dedication made the entire process seamless and stress-free. If you're looking for reliable finance solutions, I highly recommend reaching out to James at Rivercity Finance!

Keanu Bromley
Keanu Bromley October 1, 2025

James was amazing to deal with! He was efficient, knowledgeable and made the entire car finance process stress-free. We were approved within a day, which was way faster than we expected with a great outcome. Highly recommend his services – thank you James!

William Barnsdale
William Barnsdale September 5, 2025

Andy is amazing at what he does. He has helped me get the loan I required for my car so easily and quickly. He has been so easy to communicate with and has kept me updated on every step. He has explained every process that needed to be done in a way that was easy to understand. I would 100% recommend going with him if you want a simple and easy stress process.

aidan wall
aidan wall August 7, 2025

Andy helped me with my latest vehicle purchase. And when i say he helped, he went above and beyond with sorting every last detail and process with purchasing a car. Even when i was dealing an extremely poorly run dealership, Andy was in my corner fighting for me. Best person I've dealt with in any form of business/finance and Allround awesome bloke.

Matt Hacking
Matt Hacking August 3, 2025

Andy was a pleasure to work with and kept us updated at all times. Highly recommend!

Lindelle Thompson
Lindelle Thompson July 15, 2025

I recently did my finance through River City Finance and had the pleasure of working with Matty Woods. He was professional, knowledgeable, and incredibly easy to deal with. He kept me updated every step of the way and made the whole process smooth and stress-free. I genuinely felt like he had my best interests at heart. Would highly recommend Matty and the team at River City Finance to anyone looking for reliable and honest financial help.”

Alex Wilson
Alex Wilson July 2, 2025

I recently worked with Financial Advisor Andy Ruyl from Rivercity Finance to secure a car loan, and I couldn't be happier with the experience. He was incredibly easy to deal with—professional, friendly, and always approachable. His knowledge and expertise made the whole process smooth and stress-free. Everything was clearly explained in simple terms, which really helped me feel confident and informed throughout. Highly recommend to anyone looking for financial advice or loan assistance!

Sally Farr
Sally Farr May 30, 2025

Outstanding service, nothing too much trouble! Questions and queries followed up and answered promptly and with respect. I have not purchased a car for a long time these guys made the experience a pleasant process rather than a chore!! Highly recommend!!

steve brennan
steve brennan May 30, 2025

Great business to work with. Process made extremely easy with regular contact and a no pressure approach. Worked with me to get the car I wanted with and all the options I wanted. Will be first contact on future finance.

Trent Garrett
Trent Garrett May 16, 2025

Andy is an absolute legend, helped me get my dream car with no stress or problems. Super easy to chat to.10/10 in my book. Absolutely recommending him to friends and family

Jaydan Geary
Jaydan Geary March 9, 2025

Thank you Andy from River Finance for making the whole process fast and easy. Highly recommend and will definitely be back.

Nuno Viveiros
Nuno Viveiros February 27, 2025

Was an absolute pleasure dealing with Andy in the purchase of 2020 Raptor. I had a quite complex situation and Andy was able to be the go between with myself and the dealer to successfully require my dream car . Would absolutely recommend anyone go see Rivercity.

Brendon Renfrey
Brendon Renfrey February 18, 2025

Nothings too difficult for Andy, he went above and beyond. Very happy with all communications throughout the process. Would happily refer all friends and family his way.

Rachel Kirby
Rachel Kirby February 1, 2025

Andy has 5 star reviews because Andy is amazing. I have never engaged with anyone during a financial process in my life, like Andy [and I'm over 50] . From the first phone call to the last text message on a Saturday morning asking about my my new car, it has been an extraordinary experience in the most positive way. This was such a quick easy and hassle free process. I never once had to chase him, he listened, has attention to detail, knows what he's doing and has a warm, engaging friendly personality. Sometimes I read reviews and I think that can't possibly be true about that person but it is with Andy. Even the sales executive at the dealership said he had never dealt with anyone as efficient and lovely as Andy. I thought that was very high praise indeed as the dealership would deal with banks and brokers from all over Australia. I will recommend him to everyone...and I think you'd be stupid not to use Andy!

Trisha M (Trisha M)
Trisha M (Trisha M) February 1, 2025

Excellent service in comparison to multiple other broker’s I spoke to. The process was smooth and easy and I would highly recommend Andy and the Team. 👍🏽

Sam Harper
Sam Harper January 24, 2025

We had an incredible experience with Andy, Very Genuine Guy! Helped us with a smooth process for a new business vehicle. His communication was excellent, keeping us informed every step of the way. He's an expert in his field 🙂 Worked out a great deal for us, he's a total pleasure to deal with. Highly recommended, Will reach out to him again for sure!

Claire Carroll
Claire Carroll January 22, 2025

Exceptional Service from Andy at River City Finance! I can't thank Andy from River City Finance enough for the outstanding help he provided to my husband with securing his loan. From the start, his attention to detail was impeccable, and he went above and beyond to make the entire process as smooth as possible. His communication was superb, keeping us informed every step of the way. What typically is a stressful and overwhelming experience was made easy thanks to Andy's expertise and dedication. He truly streamlined the entire process and made sure we felt confident and well-supported throughout. My husband and I are beyond happy with the service we received—Andy really went the extra mile. Highly recommend River City Finance if you want a stress-free experience!

Rowie D
Rowie D January 15, 2025

Andy Top bloke . Finance for a work vehicle made not just easy but enjoyable. Was able to have a laugh and general chat whilst staying professional . Never felt like a number more a friend Cant recommend enough if you need Finance Andy and his team are the way to go . Very informative gave all options different lenders not pushy at all . 100% any future finance will be heading to Rivercity Finance Thanks Andy

Shane Adams
Shane Adams January 14, 2025

I had such a great experience with Andy guiding me and talking me through all of the details of my car loan. He got me the best deal, followed up with the car agency and the communication was on point all along. Plus, he also explained to me the reason being on interest fees and all other financial aspects that I have limited knowledge. I can't recommend Rivercity finance enough to anyone who is looking to get a loan, whatever the form.

Daniel Parra Moises
Daniel Parra Moises January 3, 2025

Andy was fantastic. The whole experience was smooth and easy. The absolute best customer service. If you're looking for finance this is the best person for the job.

david hardman
david hardman December 24, 2024

Thanks Andy for the easy process to purchase my new vehicle. Appreciate the personalised services that you offer!, fast response times and going the extra mile to get things completed! Highly recommended Aaron

Aaron Macpherson
Aaron Macpherson December 8, 2024

I worked with Andy who helped me finance my first car. I am currently 21 and the thought of financing a car on my own was a huge commitment for me. I’m so grateful to Andy and the Stephen from Brisbane car yard . Andy was fantastic with processing everything for me, he was very efficient as well. I managed to get my car within a week of picking it , which was incredible. I highly recommend him to anyone and I am forever grateful for his wonderful service .

Megan Moyo
Megan Moyo November 21, 2024

I Delt with Richard when buying my car thru brisbane car yard and he made the entire process easy and not stressful what so ever is communication was next level and got everything sorted for me in around my busy work life thank you Richard I will 100% be coming back to you for future loans

Ben Berlin-noe
Ben Berlin-noe November 18, 2024

My wife and I just purchased a new car and did our finance through Rivercity. Richard was amazing and very professional throughout. He made the process so easy, and kept us updated along the way and we were super happy with the rates he got us. Thanks again Richard! Highly recommend.

Samuel Rech
Samuel Rech November 4, 2024

Andy at River city was prompt and efficient dealing with my application. Took care of everything, but made sure I was kept in the loop every step of the way. He even went that little bit further, found a vehicle that suited me and got $2k knocked off the price. Definitely recommend.

Michael Osborne
Michael Osborne October 30, 2024

Andy was absolutely fantastic! extremely helpful with any questions I had and kept me informed throughout the whole process. constantly ensuring that I knew what was going on. He went above and beyond, making the experience so much easier and stress-free throughout the entire process. Would 100% recommend!

Jessica Samson
Jessica Samson October 28, 2024

Andy made this process comfortable an easy, I couldn’t be more satisfied. He was very professional and always answer my calls and questions, This was my second car he has helped me with. Highly recommended!

Jared Mckniff
Jared Mckniff October 28, 2024

If you want someone that takes all the hassle out of getting a new car etc, well then see Andy 🙂 he goes above & beyond, to make the experience as easy as possible. He does absoultely everything, all the hard work so you don't have do, who really wants to do the bargaining with a dealer (I don't). He goes above & beyond & keeps you updated every step of the way, even on the weekends (when he should be having a break). Thanks so much 🙂 im loving my new car & I even let my husband drive it today on the way home. See you next time, Cheers Ronnie 🥰

Ronnie Jordan
Ronnie Jordan October 27, 2024

Just secured my first business loan with the help of Andy. He was very professional, tentative and proactive, he made the whole process a breeze and even help find the car. I would like to say big thank you to Andy and would definitely recommend to everyone and be back for more services in coming years!!

sabin shrestha
sabin shrestha October 24, 2024

Perfect service perfect communication fantastic interest rates. Highly recommended and will use again. Thanks Richard.

Phil Cutts
Phil Cutts October 24, 2024

I had the pleasure of working with Andy to secure a personal loan, and I couldn’t be more satisfied with the experience. From the start, Andy was incredibly professional, knowledgeable, and attentive to my needs. He took the time to thoroughly explain my options and made the entire process smooth and stress-free. Andy was always available to answer any questions I had and made sure I felt comfortable every step of the way. Thanks to his expertise and dedication, I was able to secure the loan quickly and with favorable terms. I highly recommend Andy to anyone looking for a reliable and efficient broker!

Lachlan Carter
Lachlan Carter October 23, 2024

Andy has been nothing but a dream to work with. Answed questions with patient polite and friendly service. Pushed through with urgency understanding the situation. Can't recommend enough.

Michael Sirianni
Michael Sirianni August 26, 2024

Brilliant service, very responsive and very understanding of the clients needs

Josh Forbes-Wallace
Josh Forbes-Wallace August 21, 2024

Andy was so awesome to deal with. He sorted our finance and locates a car for me. It was a hassle free one stop shop with Andy. Great service and an all round awesome guy. Thanks again man

Travis Wenning
Travis Wenning May 15, 2024

excellent person to deal with , simple but helpful !!!

D'bviet-vn Banawa
D'bviet-vn Banawa April 18, 2024

Would recommend extremely good support all the way though the process, very easy and fast, communication was excellent and was given updates constantly. Go with RiverCity Finance!

Dom
Dom March 20, 2024

Matt has been a pleasure to deal with! Prompt Knowledgeable Helpful Highly recommend!

Charlene Fotheringham
Charlene Fotheringham March 18, 2024

I highly recommend using RiverCity if you need to finance a new car. They were easy to work with and helped us secure the best deal for our company car. I've used them twice now and had a great experience both times.

Jordan Van Hemert
Jordan Van Hemert March 6, 2024

These bloke are a breath of fresh air really no there stuff and get straight down to the business end off the deal really a joy to deal with promp service and constantly doing there best work for the customer thanks rivercity it’s a pleasure doing business with you guys

David Farr
David Farr February 28, 2024

Had begun finance elsewhere until i came across Rivercity Finance. Andy immediately knew he could get our business a better deal which saved us thousands!! Fast, quick response. Excellent communication. Will definitely be return customers.

James Wilson
James Wilson February 20, 2024

Andy is Very professional and really easy to deal with.got my loan approved fast and easy with him.

Jesse Taylor
Jesse Taylor February 16, 2024

I dealt with Andy, he offers exceptional help and always returns messages and phone calls, there is no task too hard for him and deals with his customers as if he knows them personally. Definitely would recommend!

Ethan partridge
Ethan partridge February 7, 2024

Came across this company through Google and the next morning after a 3 minute chat Andy Ruyl had got me a better rate then I could find after a lengthy search and sensed my excitement about the purchase and had everything laid out in front of me and kept me in the loop through every stage of the application....Top Job mate

Chris Spencer
Chris Spencer January 16, 2024

Highly recommend Andy! Great communication and easy application process!

william houghton
william houghton January 12, 2024

Dealing with Andy was an absolute breeze. It's awesome dealing with someone that actually wants to assist not just say they do Could not recommend him highly enough.

Kieran Fugle
Kieran Fugle January 11, 2024

If i could give James 10 stars i would. Best broker, I have ever dealt with, and I would highly recommend him to anyone. Solid effort and painless as possible. Right onto things, doesn’t stuff you around and gets things done, always returns your calls. Can’t say the same for any other broker that I have ever use. Thanks mate.

Tony Gangitano
Tony Gangitano January 11, 2024

Andy was a pleasure to deal with and very helpful and kind. He went above and beyond to get my car loan across the finish line. The whole process was smooth and communication open and honest from the start. I highly recommend Andy and Rivercity Finance. I am so grateful for all Andy’s hard work and will refer him at any time possible. Thank you.

Pippa McMurdy
Pippa McMurdy January 5, 2024

Great and transparent service Andy was so good to deal with and made the whole process so easy and stress free

frank sanchez
frank sanchez November 10, 2023

Look no further than Rivercity Finance! Andy took great care of me along the way to get a new ute. Andy got me a great deal and helped every step of the way and also helped me find a vehicle along the way! They definitely go the extra mile for their customers. If you’re looking for a top notch broker you’re at the right place. I’ll definitely be in touch when looking for other finance in the future. Thanks again!

Carl Elliss
Carl Elliss October 26, 2023

Andy was very helpful and got everything sorted real quick. There was no stuffing around… recommend anyone looking for finance to reach out to Rivercity finance. Couldn’t be more happier!

brock mcnamara
brock mcnamara September 11, 2023

What We Offer

Types of Equipment Finance We Offer

Every business is different — and so are your finance needs. That’s why we offer a wide range of truck loan options, designed to give you flexibility, control, and the best outcome for your situation.

Additional Equipment Finance Insights

What Can You Finance?

Almost any business-related asset can be financed — including:

  • Earthmoving equipment (excavators, graders, loaders)
  • Agricultural machinery (tractors, harvesters)
  • Construction tools and cranes
  • Manufacturing machinery and production lines
  • Office and medical equipment
  • Workshop and warehouse tools

Whether new or used, bought from a dealer or private seller, we can help make it happen.

Why Finance Instead of Paying Cash?

Equipment finance preserves your working capital and lets your machinery pay for itself over time. Instead of tying up tens or hundreds of thousands of dollars, you keep cash available for wages, materials, and business growth.

Finance also gives you the flexibility to upgrade as needed, claim potential tax deductions, and access assets faster — without depleting reserves.

How to Get Approved Faster

Speed up your approval by having the following ready:

  • Asset quote or invoice
  • ABN and GST registration details
  • Three months of business bank statements
  • Basic ID documents

We’ll handle the rest — often with same-day turnaround if your info is complete.

Support for Small Business

At Rivercity Finance, we know what it’s like running a small business. That’s why we work hard to find lenders who understand the day-to-day realities of trade-based, seasonal, or self-employed operators.

We advocate for you, explain everything clearly, and stick with you long-term — so you’ve always got a finance partner when it’s time to grow.

Frequently Asked Questions

Here are some of the questions we commonly get asked. Whatever your scenario, if you complete our quick quote form we will find the best finance solution and walk you through it 

What types of equipment can I finance?

Just about anything — earthmoving gear, agricultural machinery, commercial tools, manufacturing machines, medical equipment, and more.

Yes. If you’re newly trading, we can match you with lenders that support low-doc and alt-doc applicants.

Many of our business clients get same-day approval once docs are in. We’re here to help you move fast.

Absolutely. We finance both new and used assets, whether it’s from a dealer or private listing.

Yes — depending on your loan type. We’ll recommend lenders that match your preferred structure.

Definitely. If you want better rates, longer terms or to release working capital, we can help you restructure.

Often, yes. You may be able to claim interest, depreciation, and GST. Always confirm with your accountant.

Yes — we offer both finance lease and operating lease structures to suit different business needs.

Yes. We often help clients who’ve been declined elsewhere by placing them with lenders who better understand their situation.

Not always. Many of our clients use low-doc options based on ABN activity and bank statements alone.

Get Started With Equipment Finance Today

From excavators to espresso machines, if it powers your business — we can help fund it.

Get A Quick Quote

Complete the form or call 1300 205 246 if you have any questions

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