ATTENTION: Busy Australian business owners
Get the Equipment You Need Without Draining Your Cash Flow
We help Aussie business owners get into their next truck, trailer or machine with confidence.
Fast approvals, reliable finance and accountant-informed support, without the bank runaround.
🔊 BUSINESS OWNERS: WATCH THIS FIRST
Next Step: Tell us what you’re looking to finance and we’ll see how quickly we can help you move.
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What others are saying
Access to australia's leading finance partners
Video Testimonials
Does this sound familiar?
You've been quoted finance, then hit with higher rates, unexpected fees or lender conditions at the last minute.
You need a new truck, trailer or machine, but don't want to tie up your working capital or drain your cash reserves.
You're sick of chasing updates, repeating yourself and dealing with people who don't return calls.
You've been told "no" before and aren't sure if finance is even possible.
You want your accountant involved so the finance structure actually makes sense for the business.
You've dealt with a broker who couldn't clearly explain the interest rate, fees or total cost upfront.
Don't worry, we can help!
Recent finance wins
Frequently Asked Questions
Questions most business owners ask
How quickly can I get approved?
Many applications receive an indicative approval within 24–48 hours, provided all required information is supplied. More complex applications may take longer depending on the lender and transaction.
How long does settlement take?
Once approved, settlement typically takes 2-5 business days depending on the lender and complexity.
What are current interest rates?
Interest rates vary depending on factors such as the asset being purchased, the age of the asset, your business profile, loan structure, and the lender selected. With access to over 50 bank and specialist lenders, EverCap Finance compares multiple options to help secure competitive pricing and a structure that suits your business.
The fastest way to get an accurate rate is to request a quote, which takes just a few minutes.
What credit score do I need?
There is no single minimum credit score. Different lenders have different requirements, and we work with both major banks and specialist lenders to find suitable options.
Can I finance used equipment?
Yes. We can arrange finance for both new and used assets, including trucks, trailers, excavators, earthmoving equipment, access equipment, concrete pumps and business vehicles.
What documents will I need?
The documents required depend on the lender, asset and loan amount. In many cases, we can start with basic business details, your licence and an invoice or quote for the asset. Some lenders may also request recent bank statements, financials or tax returns depending on the application.
Can you beat dealer finance?
In many cases, yes. We compare options from over 50 lenders and can often provide a more competitive structure, repayment or approval outcome than dealer finance.
Will applying affect my credit score?
We can often provide an initial assessment before submitting a formal application. Any credit enquiries are discussed with you before proceeding.
What happens after I submit an enquiry?
One of our brokers will contact you to discuss your requirements, gather any necessary information and identify suitable lending options. From there, we can obtain an approval and manage the process through to settlement.
Can you help if I've been declined elsewhere?
Yes. Different lenders have different credit policies. A decline from one lender doesn't necessarily mean another lender won't approve the application.
What We Do
Keep Your Working Capital Working
The vehicle, truck, trailer or machine might cost $100,000+.
That doesn't mean your business bank account has to.
We help structure finance that preserves cash for wages, fuel, materials and growth.
Access 50+ Lenders, Not Just One
Banks have credit boxes.
Businesses don't.
We compare bank and specialist lenders to help find a solution that suits your business, industry and asset.
Fast Decisions So Opportunities Don't Disappear
Good assets don't sit around forever.
Many approvals are achieved within 24–48 hours, helping you move before somebody else buys the asset.
Talk To A Broker Who Answers The Phone
No call centres.
No ticket systems.
No getting bounced around departments.
You'll deal directly with an experienced broker from application through to settlement.
Keep Your Accountant In The Loop
The cheapest repayment isn't always the smartest structure.
We work alongside your accountant to help ensure the finance structure aligns with your broader business goals.
We Handle The Process From Start To Finish
Quotes.
Applications.
Lender negotiations.
Supplier communication.
Settlement.
We manage the process so you can stay focused on running the business.
About us
Hey, I'm Kyle Talbot
At EverCap, you deal directly with me from the first call through to settlement.
I help Australian business owners secure fast, reliable finance for trucks, trailers, vehicles and machinery, without the bank runaround.
With access to 50+ lenders, I find the right structure, keep your accountant informed, and get the deal across the line.
Deal directly with Kyle from start to settlement
Access to 50+ bank and specialist lenders
Fast approvals with accountant-informed support