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

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.

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.

Yes. We can arrange finance for both new and used assets, including trucks, trailers, excavators, earthmoving equipment, access equipment, concrete pumps and business vehicles.

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.

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.

We can often provide an initial assessment before submitting a formal application. Any credit enquiries are discussed with you before proceeding.

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.

Yes. Different lenders have different credit policies. A decline from one lender doesn't necessarily mean another lender won't approve the application.