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Finance Broker Bendigo

Equipment, Asset & Business Finance Solutions for Regional Victoria. Compare 30+ lenders through one local broker. Fast approval, competitive rates.

Licensed & Accredited
30+ Lender Panel
Fast Approval
Get Your Free Quote Call 03 4514 5626

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Your Local Bendigo Finance Broker for Business Growth

Looking for a trusted finance broker in Bendigo? Finding the right equipment finance or business loan can be challenging - banks saying no, complex applications, and hours wasted comparing lenders. That's where we come in.

As your local finance broker in Bendigo, we provide access to 30+ lenders through a single application. Whether you need equipment finance for new machinery, asset finance for your fleet, or a business loan to fuel growth, we compare options and negotiate on your behalf.

We specialise in equipment and asset finance for regional Victoria businesses - from agriculture and manufacturing to trades and professional services. Our brokers understand the unique needs of Bendigo and surrounding areas.

30+ Lender Panel
24hr Pre-Approval
$0 Broker Fees

Equipment & Asset Finance Solutions

Comprehensive finance options for Bendigo businesses. From trucks and machinery to working capital - we have you covered.

Equipment Finance

Finance trucks, machinery, manufacturing equipment, medical equipment, and office fitouts. Chattel mortgage, finance lease, and hire purchase options available with competitive rates.

Asset Finance

Flexible finance for vehicles, plant, and technology assets. Balloon payments available to reduce monthly repayments. Terms tailored to match asset depreciation.

Business Loans

Unsecured and secured business loans from $10,000 to $5 million. Working capital, expansion funding, and cash flow solutions for growing Bendigo businesses.

Commercial Vehicle Finance

Trucks, utes, vans, and trailers - new and used. Tax-effective structures including chattel mortgage for GST benefits. Flexible terms up to 7 years.

Machinery Finance

Agricultural, construction, and industrial machinery finance. Seasonal payment options for farmers. Finance for tractors, harvesters, excavators, and more.

Working Capital Solutions

Cash flow solutions, debtor finance, and overdraft alternatives. Keep your business moving with flexible working capital options from $20,000 to $500,000+.

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How Our Finance Process Works

From initial consultation to settlement - we handle the hard work so you can focus on your business.

1

Free Consultation

We discuss your needs, understand your business, and identify the right finance structure. No cost, no obligation.

2

Lender Comparison

We compare options from 30+ lenders, presenting the best rates and terms tailored to your situation.

3

Application & Approval

We handle paperwork and submit to lenders on your behalf. Pre-approvals often within 24 hours.

4

Settlement & Funding

We coordinate settlement and ensure smooth funding. Your equipment delivered, your business growing.

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Why Bendigo Businesses Trust Us

Licensed, local, and committed to getting you the best finance outcome.

Licensed & Accredited

Our network partners hold Australian Credit Licences and maintain AFCA membership as required by law. Professional indemnity insurance for your protection.

Local Expertise

We understand Bendigo and regional Victoria business. Agriculture, manufacturing, trades, professional services - we know your industry and your needs.

30+ Lender Panel

Access major banks, non-banks, and specialist equipment financiers. Better rates through volume and relationships. More options mean better outcomes.

Responsible Lending

We operate under responsible lending obligations for commercial finance. Transparent advice with no hidden agendas. Your best interests guide our recommendations.

Our Network Partners Are Members Of

MFAA - Mortgage & Finance Association of Australia AFCA - Australian Financial Complaints Authority ASIC Regulated

Finance Broker Bendigo connects businesses with licensed finance professionals. Our network partners hold Australian Credit Licences and maintain AFCA membership as required by law.

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Frequently Asked Questions

Common questions about equipment finance, asset finance, and working with a Bendigo finance broker.

Almost any income-producing business equipment can be financed, including trucks, machinery, construction equipment, agricultural equipment, medical equipment, office fitouts, technology and IT systems, and manufacturing equipment. Both new and used equipment typically qualifies, with minimum finance amounts usually starting at $10,000.
With a chattel mortgage, you own the asset from day one, can claim GST upfront, and benefit from depreciation deductions. A balloon payment is optional. With a finance lease, the lender owns the asset while you lease it. GST is charged on repayments rather than upfront. At the end of the term, you can return the asset or purchase it. The best option depends on your specific tax situation - we recommend discussing with your accountant.
Pre-approval is often available within 24 hours for standard applications. Full approval typically takes 2-5 business days depending on complexity and documentation completeness. Some unsecured loans offer same-day approval for smaller amounts. Equipment finance is generally faster than commercial property loans due to the asset serving as security.
For most equipment finance, the equipment itself serves as security. Additional security is rarely required for standard applications. Unsecured options are available for smaller amounts or strong applications. Director guarantees may be required for newer businesses or higher-risk deals.
Yes, our service is free to you. We are paid a commission by the lender upon settlement. This does not affect your interest rate - we often negotiate better rates than going direct due to our lender relationships and volume. Our service is transparent with no hidden fees.
Typically you will need: driver's licence, 2 years of business financials (tax returns, profit and loss), 3 months of business bank statements, and a quote or invoice for the asset. Sole traders may need personal tax returns. Having organised documentation speeds up the assessment process significantly.
Yes, used equipment finance is available for most asset types. Age limits typically apply - for example, trucks are often required to be under 15 years old at the end of the loan term. Older assets may require an independent valuation. Both private sale and dealer purchases can be financed.
Tax benefits depend on the finance structure chosen. Chattel mortgage allows you to claim GST upfront and depreciation deductions. Finance lease may allow full repayment deductions. The instant asset write-off may apply for eligible businesses under the current thresholds. We always recommend consulting your accountant for advice specific to your situation.

Have more questions? We're happy to help.

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Serving Bendigo & Regional Victoria

Proudly supporting businesses across Greater Bendigo and regional Victoria. Whether you're in the CBD, surrounding suburbs, or nearby towns - we're here to help you secure the right finance.

Greater Bendigo

  • Bendigo CBD
  • Kangaroo Flat
  • Eaglehawk
  • Strathfieldsaye
  • Golden Square
  • Maiden Gully

Nearby Towns

  • Castlemaine
  • Echuca
  • Maryborough
  • Heathcote
  • Kyneton
  • Rochester

Services available across all of Victoria.

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Ready to Grow Your Business?

Get your free equipment finance quote today. Our Bendigo finance brokers are ready to help you find the best rates from 30+ lenders.

03 4514 5626
loans@financebrokerbendigo.com.au

Business hours: Monday - Friday, 9am - 5pm

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