Equipment Finance
Built Around You.
Every business is different. We don’t push a one-size-fits-all product — we structure finance around your cash flow, your tax position, and how you run your operation.
As an accredited finance broker with access to all major lenders in Australia, we find the best rate and the right product for your situation.
We finance any equipment, from anywhere in Australia.
You don’t have to buy from us to get finance through us. Whether it’s a dealer interstate, a private sale, or an auction — if you’ve found the right equipment, we’ll arrange the finance. Trucks, trailers, earthmoving, buses — any commercial equipment.
Finance Products
We offer four core finance products — each with different ownership, tax and cash flow benefits. Not sure which one suits? That’s what we’re here for.
Asset Purchase
Also known as Commercial Hire Purchase
You have possession and full use of the equipment from day one. Ownership passes to you automatically when the final repayment is made. Repayments are structured to suit your cash flow.
Commercial Loan
Also known as Chattel Mortgage
You own the equipment from the start. The lender takes the equipment as security against the loan. Popular with businesses that want immediate ownership and GST claims upfront.
Finance Lease
Also known as Lease
The lender owns the equipment and leases it to you. A residual value is set within ATO guidelines. At the end of the term, you can make an offer to purchase at the residual amount. All lease repayments are fully tax deductible.
Insurance Premium Funding
Also known as Pay by the Month Insurance
Spread your annual insurance premium across 12 equal monthly instalments instead of one big hit. Normally funded on an unsecured basis with simple documentation and fast settlement to your insurer or broker.
How It Works
From first call to settlement — we handle the heavy lifting so you can focus on your business.
Tell Us What You Need
Apply online or call us. Tell us about the equipment, your business, and what you’re looking to achieve.
We Find the Best Deal
We shop your application across our panel of lenders to find the best rate and product for your situation.
Approval & Documentation
Once approved, we handle all the paperwork. You review, sign, and we push it through to settlement.
Collect Your Equipment
Settlement done, keys in hand. We can also arrange delivery anywhere in Australia if you can’t collect in person.
Why finance through RSEF?
We’re not a bank, and we’re not a call centre. We’re a small team of industry people who understand trucks, trailers, and the businesses that rely on them. That’s why operators across Australia come to us.
Rob Sinclair is a licensed motor vehicle dealer and accredited finance broker — so whether you need to source the equipment, arrange the finance, or both, it all happens under one roof.
All Major Lenders
We’re accredited with every major equipment finance lender in Australia — so you get the best rate, not just our rate.
Fast Approvals
Most applications are assessed within hours. When you find the right truck, you need to move — we get that.
New & Established
Whether you’re starting out or adding to a fleet, we have lenders for every stage of business.
Real People
You deal with us directly — no automated systems, no overseas call centres. Just straight-talking industry people.
Not sure which product suits you?
That’s the whole point of having a broker. Tell us about your business and we’ll recommend the right structure — no obligation.
Common Questions
Ready to get your finance sorted?
Apply online in minutes or call our team. We’ll find the right product, the best rate, and handle everything from application to settlement.
No obligation. No cost to apply.