5.0 from 12 Reviews
Whether you are buying new equipment, upgrading existing equipment, or replacing ageing assets, NMS Finance Solutions helps Australian businesses access the right commercial equipment finance structure for their situation.
What Equipment Finance Can Cover
Equipment finance is one of the most practical tools available to business owners who want to preserve cashflow while keeping their operations running at full capacity. Rather than tying up working capital in a single large purchase, equipment finance lets you spread the cost over time with fixed monthly repayments, making it far easier to manage cashflow and plan ahead.
At NMS Finance Solutions, we work with banks and lenders across Australia to find finance options that suit your business needs. The range of assets we can help finance is broad. This includes plant and equipment finance for manufacturing and production businesses, IT equipment finance and computer equipment for offices and tech-driven operations, printing equipment finance, solar equipment finance, and office equipment for day-to-day business functions. We also assist with machinery finance covering excavators, tractors, graders, cranes, dozers, and forklifts, as well as truck and trailer finance, agricultural equipment and farming equipment, food processing equipment, automation equipment, robotics financing, and material handling equipment.
If your business relies on specialised machinery or work vehicles to generate income, equipment finance is worth understanding properly before you commit to any purchase.
Finance Structures Available
NMS Finance Solutions can access equipment finance options from banks and lenders across Australia, and the right structure will depend on your business circumstances, tax position, and how you intend to use the asset. Common structures include chattel mortgage, which allows you to own the asset from day one while the lender holds a charge over it as collateral. This is a popular choice for businesses that want to claim depreciation and interest as tax deductible expenses.
Hire Purchase is another option where the lender purchases the asset and you make repayments over an agreed term, taking full ownership at the end. Equipment leasing, including industrial equipment leasing, suits businesses that prefer to use an asset for the life of the lease without owning it outright. This can be a cashflow friendly approach, particularly for businesses that need to upgrade technology or upgrade equipment regularly to stay current.
Each structure has different implications for your tax position, balance sheet, and end-of-term options. NMS Finance Solutions will walk you through the differences so you can make an informed decision based on your specific business needs rather than guessing.
Why Equipment Finance Makes Commercial Sense
One of the key advantages of equipment finance is that it allows you to buy equipment without cash reserves being depleted. You keep your working capital intact for day-to-day operations, wages, stock, and unexpected costs, while still accessing the latest technology or the heavy machinery your business depends on. For many businesses, this is the difference between staying competitive and falling behind.
Fixed monthly repayments also make budgeting more predictable. You know exactly what you owe each month for the life of the loan, which supports better financial planning across your business. Depending on the structure chosen, the interest rate and associated costs may also be tax effective, with repayments or depreciation potentially tax deductible. This is something to discuss with your accountant in the context of your overall tax position.
Equipment finance can also support business efficiency by allowing you to invest in automation equipment, upgrade to more productive manufacturing equipment, or replace outdated factory machinery without waiting years to save the full purchase price. For agricultural businesses, farming equipment and tractors can be financed in a way that aligns repayments with seasonal income cycles.
Who NMS Finance Solutions Works With
NMS Finance Solutions is based in Rhodes and works with clients nation-wide. We work with small business owners, sole traders, and larger commercial operations across a wide range of industries. Whether you need a single piece of office equipment or a full fleet of work vehicles and specialised machinery, we can help you access equipment finance options from banks and lenders across Australia.
The loan amount available will depend on your business financials, the asset being purchased, and the lender's assessment criteria. NMS Finance Solutions will help you understand what is realistic for your situation and present your application in the strongest possible way. If you are also looking at broader business loans or asset finance options, our team can discuss how equipment finance fits alongside your wider funding strategy.
Step 1: Get in Touch
Reaching out is the first step toward your financial goals. You can contact us by phone, email, or through our online enquiry form. We make it easy to get the conversation started, no matter where you are in Australia.
Step 2: Initial Consultation
We take the time to sit down with you, either in person at our Rhodes office or virtually, to understand your situation. We listen to your goals, your concerns, and what you are hoping to achieve. This is your chance to ask questions and get a feel for how we work.
Step 3: Fact Finding and Assessment
Once we understand your goals, we gather the details we need to assess your financial position. This includes your income, expenses, assets, liabilities, and any other relevant information. We keep this process straightforward and stress-free.
Step 4: Research and Strategy
With a clear picture of your situation, we get to work. We research the market and compare products from a wide range of lenders to find options that suit your needs and budget. We do the legwork so you do not have to.
Step 5: Present Your Options
We present you with a clear and easy-to-understand summary of your best options. We walk you through the features, costs, and benefits of each, so you can make a confident and informed decision.
Step 6: Application and Approval
Once you have chosen the right product, we prepare and lodge your application on your behalf. We manage the process with the lender, keep you updated every step of the way, and work hard to secure a fast and smooth approval.
Step 7: Settlement and Beyond
After approval, we guide you through to settlement and make sure everything goes to plan. But our support does not stop there. We stay in touch to review your finance as your circumstances change, because we are here for the long term, not just the transaction.
I cannot speak highly enough of this incredible team. They went above and beyond my expectations every step of the way, and their professionalism, knowledge, and genuine commitment to achieving the best possible outcome were outstanding. The level of care, attention to detail, and expertise they provided made the entire experience exceptional. It is rare to find a team that combines such a high level of financial expertise with truly outstanding service. I am incredibly grateful for everything they have done and would not hesitate to recommend them to anyone looking for knowledgeable, trustworthy, and dedicated financial professionals. An absolutely exceptional team!
Ari Huffines
An extraordinary team of genuinely hard-working, diligent, and compassionate people. Their commitment to helping and supporting those they work with is exceptional, and it is clear that they will do everything humanly possible to achieve the best outcome for you. What stands out most is not only their professionalism and expertise, but the genuine care, persistence, and dedication they bring to their work. They go above and beyond, and their efforts do not go unnoticed. I cannot speak highly enough of this team. I have the utmost respect for the work they do and am deeply grateful for the support, commitment, and humanity they have shown. I would recommend them without hesitation and hold them in the highest regard.
David Huffines
A fast and clear communication with an outstanding result. I want to thank the entire NMS Finance team for Your outstanding service.
Bef Wolelo
⭐️⭐️⭐️⭐️⭐️ We had an incredible experience working with NMS Finance Solutions. They expertly secured a consolidation loan for us, making the process smooth and stress-free. Their professionalism, attention to detail, and dedication to finding the best solution for our needs were outstanding. We highly recommend NMS Finance Solutions to anyone looking for a reliable and effective broker. Thank you for your exceptional service!
Amy Koller
In most cases, mortgage brokers in Australia are paid a commission by the lender when a loan is settled. This means that in many situations, there is no direct cost to you for using our services. The commission structure is regulated in Australia, and brokers are required to act in your best interests under the Best Interests Duty legislation. At NMS Finance Solutions, we are transparent about how we are paid, and we will always disclose this information to you clearly before you proceed. In some circumstances, such as with certain commercial or specialist lending, a fee may apply. We will always discuss this with you upfront so there are no surprises. Our goal is to make sure you feel informed and confident every step of the way.
The documents required can vary depending on your employment type, the type of loan you are applying for, and the lender involved. Generally speaking, most lenders will ask for proof of identity, recent payslips or tax returns, bank statements, details of any existing debts or liabilities, and information about the property you are looking to purchase. If you are self-employed, you may need to provide additional documentation such as business financial statements or BAS statements. At NMS Finance Solutions, we will walk you through exactly what is needed for your specific situation so you are not left guessing. We help you prepare your application thoroughly, which can make the process smoother when it comes to dealing with the lender.
Choosing the right broker comes down to trust, communication, and genuine care for your outcome. At NMS Finance Solutions, we pride ourselves on being approachable and honest with every client we work with. We take the time to listen before we make any suggestions, and we make sure you understand your options clearly before you make any decisions. We work with clients across Australia and have experience across a wide range of lending situations, from straightforward home purchases to more complex commercial and investment scenarios. We are not here to rush you through a process. We are here to support you in making informed decisions that are right for your circumstances. If you would like to get a feel for how we work, we welcome you to reach out for an obligation-free conversation.
Having a less than perfect credit history does not automatically mean you cannot access finance. There are lenders in Australia who specialise in working with borrowers who have had credit issues such as defaults, late payments, or a previous bankruptcy. At NMS Finance Solutions, we take the time to understand your full financial picture before making any recommendations. We do not make assumptions, and we do not judge. Our role is to look at your current situation honestly and explore what options may be available to you. We want to be upfront with you about what is realistic, and we will always give you an honest assessment rather than tell you what you want to hear. If you are unsure where you stand, the best first step is to have a conversation with us.
The timeline for a home loan can vary depending on a number of factors, including the lender you are applying with, the complexity of your situation, and how quickly all required documents can be gathered. In general, once a complete application is submitted to a lender, formal approval can take anywhere from a few days to a few weeks. At NMS Finance Solutions, we work to keep things moving by staying in regular contact with lenders and keeping you updated along the way. We also help you prepare your application as thoroughly as possible from the start, which can reduce delays caused by missing information. We recommend reaching out to us as early as possible in your planning process so we have enough time to work through everything properly.
When you go directly to your bank, you are only seeing the products that particular bank offers. A mortgage broker like NMS Finance Solutions has access to a panel of lenders, which means we can look across multiple options on your behalf. This gives you a broader view of what may be available to you, rather than being limited to one institution's products. We also take the time to understand your personal circumstances before recommending any direction, which means the conversation is tailored to you. Banks are focused on their own products, whereas our focus is on finding a loan structure that suits your situation. We also handle much of the communication and administration involved, which saves you time and effort.
A finance and mortgage broker acts as the link between you and a wide range of lenders. Rather than you having to approach banks and lenders one by one, a broker does that work on your behalf. At NMS Finance Solutions, we take the time to understand your situation, your goals, and what you are looking to achieve. We then research suitable loan options from our panel of lenders and present you with choices that may suit your needs. We handle the paperwork, liaise with lenders, and keep you informed throughout the process. Our role is to make the experience as clear and straightforward as possible, whether you are buying your first home, refinancing, or looking at a commercial loan.
Absolutely. While NMS Finance Solutions is based in Rhodes, New South Wales, we work with clients right across Australia. Thanks to phone, email, and video calls, we can have meaningful conversations with you no matter where you are located. Whether you are in Melbourne, Brisbane, Perth, or a regional area, we are set up to assist you with your finance needs. Distance is not a barrier to getting quality support and guidance. We are committed to making sure every client, regardless of location, receives the same level of attention and care. If you are ready to get started or just want to have a chat about your options, reach out to us and we will take it from there.
NMS Finance Solutions assists clients with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing of existing loans, construction loans, and loans for self-employed borrowers. We also assist with commercial finance, asset finance, and equipment finance for business owners. Whether you are purchasing your first property, looking to grow a property portfolio, or need funding for your business, we have the experience to help you explore your options. Every situation is different, so we always start with a conversation to understand what you are trying to achieve before we look at what lending options may be worth considering. No question is too small, and we welcome enquiries at any stage of your planning.
Refinancing means replacing your existing loan with a new one, either with your current lender or a different one. People refinance for a range of reasons, including accessing different loan features, consolidating debts, or adjusting their loan structure to better suit their current circumstances. It is not something that suits everyone, and there are costs involved in refinancing that need to be weighed up carefully. At NMS Finance Solutions, we can help you look at your current loan and compare it against what else may be available, so you can make an informed decision. We do not push refinancing as a solution unless it genuinely makes sense for your situation. If you are curious about whether refinancing could be worth exploring, we are happy to have that conversation with you.
NMS Finance Solutions works with businesses across Australia to structure commercial equipment finance that fits their cashflow and business needs. Talk to Nat from NMS finance solutions at a time that suits you.
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