Equipment finance before 30 June. What can still settle, honestly.

The settlement runway, not the sales pitch

Around this time of year, equipment sellers and finance providers start talking about the end of the financial year like a starting gun. What matters to you is more practical: if you sign this week, does the finance actually approve and settle by 30 June, or are you signing into a queue that closes around you?

The answer depends on three things: the asset, the seller, and your paperwork. Nothing else moves the timeline as much as those three. We have written this guide the way we would explain it across a desk, including the parts that are inconvenient.

Deals that can still make it

• A new or used machine or vehicle from a dealer, with an invoice ready to go
• An established trading entity with financials or BAS that are current and clean
• A chattel mortgage structure on a standard, identifiable asset
• A deposit or trade in position that is already settled in your own mind
• A borrower who can return documents the same day they are asked for

That kind of deal can move from application to settlement in days, not weeks, with the right lender. The closer we get to 30 June, the more the lender's internal queue becomes the constraint, which is why the same deal that settles in four days in early June can take ten in the last week.

Deals that probably will not, and should not be rushed

• Private sales needing inspections, encumbrance checks and ownership verification
• Older or unusual assets where a lender will query age, hours or condition
• New entities, complex trusts, or financials that need explaining
• Anything where the structure matters more than the settlement date, like equipment bundled with working capital for a contract that has not started yet

If your deal is in this list, the honest play is usually to prepare it properly now and settle it cleanly in July, first in the new year's queue instead of last in the old one. A structure that is right for the next five years beats a date on a contract note.

Two answers to get before you sign: the tax timing and the finance timing

An EOFY purchase decision has two moving parts. What the timing is worth to your tax position this year is your accountant's territory, and a quick call to them now is usually worth more than any June marketing. The settlement runway is ours: which lender can actually meet your date, what the application needs, and whether the deadline is realistic for your deal. We are happy to work alongside your accountant directly so both answers land together and you can sign with the full picture, not half of it.

How we run a deadline deal

We start by telling you whether the timeline is real. If it is, we match the deal to a lender whose current processing times can actually meet it, assemble the full application before lodgement so nothing bounces, and manage the approval conditions in step with the supplier so settlement lands when it has to. If the timeline is not real, we say so on day one and set the deal up to settle properly in the new financial year instead.

Equipment finance is our home ground. The same team handles equipment and asset finance across vehicles, machinery and general business assets, and mining and civil equipment where the job, not just the machine, needs funding.

Frequently asked questions