Step 1
Discovery call
A short strategy conversation to understand your business goals, the equipment or loan you’re in need of, and your timeline.
For Businesses Waiting Weeks For Equipment Finance Approvals
How Businesses Secure Equipment Financing Faster Than Traditional Banks
If you're buying, upgrading, or replacing equipment, we structure financing properly from the start so you can secure approvals faster and avoid weeks of bank delays
60-Second Questionnaire • No Obligation • 100+ Business Lenders
60-Second Questionnaire
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Access 100+ Business Lenders
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Completely Obligation Free
Watch: How Equipment Financing Approvals Happen Faster
Next Step: See What Equipment Financing Your Business Qualifies For
Industries We Commonly Finance
✔ Contractors
✔ Transport & Trucking Companies
✔ Construction Businesses
✔ Manufacturing Companies
✔ Businesses Purchasing Equipment!
How Does This Work?
Step 2
Lodge application
Once structured correctly, we prepare and submit your application to the right lender, with the right structure in place.
Step 3
Secure approval
We manage communication through the approval process and keep you updated on timelines and conditions.
Step 4
Pick-up asset
Once approved and settled, you collect your equipment or receive your funding and move forward with confidence, knowing we're in you're corner to support
STILL NOT SURE?
Frequently Asked Questions
What Types of Finance Do You Arrange?
We arrange a wide range of business finance solutions including vehicle and equipment finance, business loans, working capital, asset refinancing, and commercial property finance.
Our services
Vehicle and equipment finance:
Flexible terms to acquire or refinance commercial vehicles and industry-specific machinery.
Business loans:
Tailored loan products for expansion, acquisition, or day-to-day operations.
Working capital:
Short and medium-term options to smooth cash flow and manage seasonal demands.
Asset refinancing:
Unlock capital tied up in existing assets to reinvest in growth or reduce costs.
Commercial property finance:
Loans for purchasing, refinancing, or developing commercial real estate.
Who Can Apply For Finance?
Any Australian business owner, sole trader, partnership, company, or trust can apply. Start-ups and established businesses are both welcome.
Does Submitting This Form Impact My Credit Score?
Absolutely not!
Completing this form is an enquiry only. We’ll assess your options first and only proceed with credit checks once you approve a formal application.
How Long Does The Approval Process Take?
Approval times vary by finance type — In some instances, it's as little as a couple of hours. For some clients, with more complex needs, it can take longer, but we’ll keep you informed at every step so you always know where your application stands.
Do You Work With Multiple Lenders?
Yes. We work with over 100 lenders, allowing us to compare options and structure finance that best suits your business — not just one bank’s criteria.
By accessing multiple lenders, we find competitive rates, flexible terms and tailored repayment structures that match your cash flow and growth plans. Whether you’re financing equipment, vehicles or working capital, our independent approach increases your chances of approval and secures solutions aligned with your objectives, not a single institution’s lending policy.
Is The A Cost To Use Your Service?
In most cases, our service is paid by the lender. If any fees apply, they will be clearly disclosed upfront before you proceed.
We work to keep the process transparent and straightforward: you’ll be informed of any costs in plain language before you make a decision, so there are no surprises. If you have questions about fees or want further clarification at any stage, our team is here to help.
For Business Owners Losing Deals
Because The Bank Is Too Slow
✓ TRADIES
Need a ute, tools, or equipment funded without waiting weeks for a bank decision.
✓ CONSTRUCTION COMPANIES
Plant and equipment finance structured to suit project timelines and progress claims.
✓ EARTHMOVING OPERATORS
Excavators, loaders, attachments, and upgrades funded fast so you don’t miss jobs.
✓ TRANSPORT OPERATORS
Prime movers, trailers, and fleet expansions financed with clear, practical structuring.
✓ FARMERS
Tractors, implements, and seasonal cashflow support designed around your cycles.
✓ CIVIL CONTRACTORS
Equipment and working capital options that keep projects moving and teams paid.
Meet Your Broker: Joel Togo
I've been working with frustrated business owners for over 12-years.
I'm in your corner to help you secure vehicle, equipment, and working capital finance without getting stuck in bank delays.
Most lenders assess you against their single credit policy and hope you fit. That often leads to long wait times, unnecessary paperwork, and stalled projects. My approach is different. I assess your full position first, structure the deal properly, and match it across 100+ lenders to find the right fit from the start.
The focus is simple — fast decisions, clean approvals, and finance aligned to your cashflow and growth plans.
If you are upgrading, expanding, or refinancing, let’s structure it properly.
Joel Togo - Partner
Finstead Capital
Finstead Capital Pty Ltd acts as a commercial finance broker and not a lender. All applications are subject to lender approval, eligibility criteria, and satisfactory documentation. Interest rates, fees, and terms vary depending on the lender and individual circumstances. This information is general in nature and does not constitute financial or credit advice.