ATTENTION: SMALL BUSINESS OWNERS

Access up to $500k in Truck, Trailer, Plant and Equipment Finance. No Tax Returns. No Financials.

Your Bank wants more paperwork. You want your new machine working.

Have you been in business for 2 years or more, own a property and have a clear credit history? You could get approved with a few simple documents within 24-48 hours, without waiting on your accountant. Answer 7 quick questions, then book a time to talk it through with me.

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TESTIMONIALS

What others are saying

For Business Owners That Need Plant & Equipment Approved Fast

This is how I helped a transport operator go from being completely stuck by his local bank to getting a brand-new prime mover on the road in just forty-eight hours.

client was referred to me, he had a massive new freight contract lined up. He went to his regular bank to finance the truck he needed, but they told him to slow down. He was about to lose the new freight contract and a lot of profit.

Our team stepped in. We used our knowledge and access to a low doc loan option that didn't require endless paperwork, Tax Returns or Financials. We sorted out a sensible monthly payment that matched his cash flow perfectly to get his prime mover on the road.

Today, his truck is out on the road earning great money.

This is how I helped a local earthmoving operator go from a stressful bank decline to putting a brand-new twenty-tonne excavator straight onto site.

When this client came to me, he was in a tough spot. He had the chance to tender for a major civil project, but his bank declined his machinery loan because his accountant hadn't finalized his latest financials and tax returns. He was stuck using old gear costing large repairs and maintenance and missing out on real profit.

My team looked at his actual business performance, not just a bank checklist. We used our low-doc matrix options to secure the finance with competitive market rates and a fixed monthly payment he could easily afford.

With our years of experience in asset finance, we got him approved in days. and we got the machine on site within 5 days.

This is how I helped a concrete pumping business owner go from a month of endless bank delays to getting his new truck extended and working on-site fast.

When this client first came to me, he was incredibly frustrated. He had been dealing with his bank for four weeks trying to finance a specialized concrete pump truck. The bank kept demanding more paperwork and extra security because they thought the machine was "too high risk."

Our team took over the file. Because we understand heavy plant and specialized assets. We checked our lender panel and low doc lending options, and was able to secured a comfortable monthly repayment, and got the deal funded within a week.

He didn't have to risk his family home or jump through bank hoops. Now the truck is out working and growing the business.

This is how I helped an established civil operator completely separate his family home and fleet from his everyday trading bank, giving him total peace of mind.

When he came to me, his business was making great money, but his bank manager changed. The new manager started tightening his credit metrics and telling him how to run his business. Because his truck loans and business banking accounts were all at the same bank, he felt trapped and stressed.

Our team stepped in and executed a fleet restructure. We structured his equipment loans away from that bank entirely, matching competitive market rates with a cleaner, lower monthly repayment, in addition to refinancing the family home to a different bank also.

Now, his assets are safely ring-fenced, his home is protected, and he has full freedom to run his business his way.

STILL NOT SURE?

Frequently Asked Questions

Here's what we usually get asked

How can an Asset Finance Broker help with simplifying the finance process?

An asset finance broker guides you through complex criteria, compares lenders and finance products, structures smarter loans with flexible terms, and supports you from application to settlement.

What is Asset Finance?

Asset finance helps businesses purchase equipment, vehicles, machinery, and other essential assets, providing flexibility and access to competitive funding solutions.

Are their Low-Doc Finance Options for Asset Finance?

Most lenders provide low-doc asset finance for purchases up to $250,000, with some extending to $500,000. Eligibility depends on various factors including, but not limited to, property ownership, ABN & GST length of registration, and a clear credit history.

What documentation is required?

Most lenders offer low doc finance options for established business who can confirm a minimum 2 years ABN & GST registration, clear credit history and proof you own a property.

If you don’t qualify for a low doc finance option, expect to provide business financials, tax returns and in some cases ATO portals to satisfy lender servicing requirements.

Why use Ironbark Group for Asset Finance Solutions?

Ironbark offers access to over 30+ lenders, competitive rates, tailored structures, and expert guidance across earthmoving, construction, transport, manufacturing, farm machinery, and commercial vessels finance.

How does Earthmoving and Mining Asset Finance work?

Earthmoving and mining finance allows businesses to fund machinery such as excavators, dump trucks, graders, and loaders. Ironbark connects you with lenders who specialise in this sector to secure competitive finance terms.

How does Transport & Logistics Asset Finance work?

Transport and Logistics asset finance helps businesses fund trucks, trailers, forklifts, and other logistics assets. Our specialised lenders offer structured finance designed to support operational efficiency and growth.

What finance options are available for Tradies?

Access to flexible funding options for tradespeople including electricians, plumbers, builders, and landscapers is available to assist in purchasing utes, vans, machinery, and tools of trade.

Can I finance assets to support Infrastructure Projects?

Yes, infrastructure asset finance in Australia can cover general construction equipment, cranes, excavation trucks, and other project-specific assets, ensuring smooth approvals via tailored lending solutions.

How does Refinancing your fleet of equipment work to reduce your monthly repayments?

Fleet restructure finance helps businesses consolidate debt, reduce monthly repayments, and unlock equity across vehicle or machinery fleets, improving cash flow and financial flexibility.

What deposit do I need for Low Doc plant and equipment finance?

Nil deposits are typically required, with lenders offering low doc products or flexible terms depending on your business situation, provided you are a property owner. Non-property owners generally require a 20% deposit.

Can I finance used machinery and buy via a private sale?

Yes. Many lenders offer finance for used earthmoving equipment and private sales, although approval criteria and loan terms may differ from new equipment purchases.

How We Get Your Finance Sorted in 6 Simple Steps

1. Understanding Your Needs

We begin with a fact find, gathering all relevant information to fully understand your current finance and/or insurance situation, needs, wants, goals and requirements. Through strategic discussions, we develop high-level strategies tailored to your unique situation.

2. Research & Assessment

Our team conducts in-depth research, assessing lender and/or insurance options to find the solutions that best align with your needs.

3. Tailored Solutions

We present a range of options, offering expert recommendations on the most suitable finance and/or insurance solutions. We ensure each solution we deliver supports both your short and long-term needs, wants, goals and requirements.

4. Application Management

Once the ideal loan or insurance product has been selected, we prepare all forms, package-up documents, and submit to the lender and/or insurer for formal review and assessment. Our team proactively follows up to ensure a seamless process with minimal hassle.

5. Documentation & Settlement

We guide you through reviewing and executing loan documents or understanding your insurance policy documents while acting as your main point of contact with all stakeholders, including banks, insurers, solicitors, agents, and accountants as required. Our commitment to a smooth and timely loan settlement of insurance binding process ensures confidence in every transaction.

6. Ongoing Support & Relationship Management

Our service extends beyond settlement of your loan or binding of your insurance policy. As your trusted finance and/or insurance broker, we provide ongoing support, answer queries, offer market updates, and continuously review the products and services, ensuring your finance and/or insurance strategies remains aligned with your evolving needs.

MEET THE FOUNDER & CEO

Hey, I'm Gene

I founded Ironbark Group Australia in 2010 after 14 years in the financial services industry, where I gained extensive experience with leading banks and finance companies. Over that time, I developed a specialty in structured finance, allowing me to find creative solutions for clients when standard options just didn’t fit.

At Ironbark Group Australia, my team and I deliver tailored loan strategies and general insurance advice that align with each client’s unique needs and goals. I take the time to listen, understand what matters most, and deliver the right solutions to help clients move forward with confidence.

I hold a Diploma of Finance and Mortgage Broking Management, is an FBAA accreditaed loan writer, and hold a Tier 1 RG146 Insurance Broking qualification.

When I'm not helping clients, I am an avid traveller and adventure enthusiast. I enjoy building 4WDs to explore remote corners of Australia and restoring classic cars. I am rarely happier than when there’s a new challenge in front of me, preferably one that involves an engine....