Simple guide to Equipment Finance Information Package
Overview
Rockliff Finance is an independent, client-focused equipment finance broker dedicated to helping Australian businesses secure the very best funding solutions. Unlike banks or captive financiers, I work exclusively for you – the business owner – not for any lender. This means my only priority is finding the most competitive rate, the most flexible structure, and the smoothest approval process that fits your cash flow and growth plans.
With direct access to all major banks, specialist non-bank lenders, and private funders, I shop the entire market on your behalf to deliver options you simply won’t get by walking into a branch or dealing direct. Whether you’re a tradie replacing a ute, a contractor upgrading excavators, a transport operator adding prime movers, or a farmer investing in new plant and machinery, I specialise in the construction, transport, agriculture, and allied industries.
Every deal is tailored specifically to your situation – no cookie-cutter products, no pressure to fit a bank’s preferred box. My job is to take the hassle out of finance, save you time and money, and get your new equipment earning revenue as quickly as possible.
All applications remain subject to standard lender credit approval, but with the right preparation and presentation, most approvals are fast and straightforward. This package outlines exactly what information I need to assess your eligibility and structure the ideal solution for your business.
Key Information Required
| Requirement | Details Needed |
| Equipment Specs | Year, make, model, type, condition, usage history, and any relevant features. |
| Business Registration | Australian Business Number (ABN) and date of GST registration. |
| Security Backing | Confirmation if backed by director-owned property |
| Recent Finance Payouts | Details of any equipment finance paid out in the last 3 months. |
| Purchase Price | Total cost of the equipment (inc-GST where applicable). |
| Sale Type | Dealer sale (authorised seller) or private sale. |
| Finance Amount & Deposit | Full amount or partial finance; specify deposit amount or percentage if applicable. |
| Loan Term | Preferred term (commonly 3–7 years, aligned with equipment life and cash flow). |
| Balloon Payment | Option to include a residual (e.g., 20–30% of loan); specify percentage if desired. |
Application Process
- Initial Consultation Contact Tom Rockliff by phone or email. Provide the information listed above for a preliminary assessment and indicative quote.
- Documentation Once details are confirmed, the following may be requested:
- Proof of identity and business registration (ABN certificate, GST statements)
- Financial statements (as required)
- Equipment invoice or quote from the seller
- Consent for credit history check
- Credit Assessment & Approval Applications are submitted to lenders for review. Approval timelines vary:
- Standard cases: 24-48 hours
- Complex deals: 3-7+ business days
- Finance Structures Available
- Chattel Mortgage
- Equipment Lease
- Low-Doc Options (for eligible businesses)
- Commercial Hire Purchase
Eligibility & Considerations
- Available to Australian-registered businesses nationwide.
- Finance subject to lender credit criteria, including trading history, credit score, and debt servicing capacity.
- Private sales may require additional verification.
- Property-backed or non-property finance available
Next Steps
- Gather the required equipment and business details.
- Contact Tom Rockliff for a no-obligation discussion.
- Apply for a tailored finance proposal based on your circumstances.
Rockliff Finance Proudly Australian
This information package is for general guidance only and does not constitute financial advice. All finance is subject to lender approval.
Realted Case Studies
Some successful work
May 25, 2026