Equipment Loans for Self-Employed

Fast, Flexible Equipment Finance for Self-Employed Australians

When you run your own business, having the right equipment is essential to operating efficiently, winning contracts and growing your income. Whether you’re a sole trader, contractor or small business owner, Dream Financing specialises in securing fast, affordable equipment finance tailored to the needs of self-employed clients.

With access to 50+ lenders, including banks, non-banks and specialist low-doc lenders, we make equipment finance simple—even when your financials aren’t.

Backed by 400+ five-star Google reviews, our team delivers a smooth, stress-free experience from application to approval.

Why Self-Employed Australians Choose Dream Financing

Low-Doc & No-Doc Equipment Loans

If your tax returns aren’t up to date or don’t reflect your true income, we work with lenders who offer low-doc and alternative-doc options. Perfect for sole traders, new ABNs, contractors and rapidly growing businesses.

Fast Approvals & Same-Day Turnarounds

We understand that when you need equipment, you often need it now. Many of our lenders offer approvals within hours — meaning you can get moving quickly and secure the job.

50+ Lenders Compared for You

Every business is different. We compare a wide panel of lenders to secure the best deal based on rate, term, structure and tax position.

Finance for All Equipment Types

From machinery to vehicles, tools and technology, we finance the assets you need to run and grow your business.

Specialists in Self-Employed Lending

Banks often make it difficult for self-employed applicants — we don’t. We understand how your income works and how to present your application for the strongest possible approval outcome.

What Equipment Can Be Financed?

We secure finance for self-employed clients across all industries, including:

Utes, trucks and commercial vehicles
Excavators, skid steers and earthmoving machinery
Trailers and tipper trucks
Concrete pumps and construction equipment
Plumbing, electrical and trade tools
Agricultural and farming machinery
Manufacturing and workshop equipment
IT equipment, computers and technology
Medical, fitness and commercial equipment
Office fit outs
Restaurant fit outs

Loan Types Available

Chattel Mortgage

The most common structure for self-employed clients. Offers ownership from day one, flexible terms and strong tax benefits.

Low-Doc Equipment Finance

Ideal for businesses without full financials or tax returns.

Leases & Rental Agreements

Good for cash flow, flexibility and keeping equipment off the balance sheet.

Balloon Options

Lower repayments by choosing a balloon/residual at the end of the term.

Benefits of Financing Your Equipment

Preserve cash flow and working capital

Tax-effective loan structures for self-employed income

Flexible terms from 12–84 months

Potentially no upfront deposit

Keep your business running without delays

Upgrade equipment without major upfront costs

Our Process

1

Quick Assessment

We review your business needs, income and preferred equipment.

2

Lender Comparison

We compare 50+ lenders to find the most suitable options.

3

Fast Approval

We handle the application, paperwork and lender communication.

4

Settlement

We finalise the loan and liaise with the supplier so you can collect your equipment.

Get the Equipment You Need Without the Stress

As a self-employed operator, having access to reliable equipment finance can make a massive difference to your income, efficiency and business growth. Dream Financing specialises in securing fast, flexible solutions that work for you—not the banks.

Speak with the Dream Team today and get approved for your next piece of equipment.

Enquire Now