Finance that works as hard as you do.
Get the right gear for your business with honest advice from someone who actually understands the job.
No obligation. Just straight-up advice.
Work With Someone Who Gets Your Business
Running a business is tough enough without chasing banks or waiting weeks for answers. At Encharge Capital, you get a broker who’s been in your boots.
Before stepping into finance, Ross spent years working in construction, operating the same diggers, dumpers and trucks you’re financing now. He knows the equipment, the process and the pressures of running a business.
That means the advice you get isn’t generic. It’s real, practical and tailored to what you actually need.
Work With Someone Who Gets Your Business
Running a business is tough enough without chasing banks or waiting weeks for answers. At Encharge Capital, you get a broker who’s been in your boots.
Before stepping into finance, Ross spent years working in construction, operating the same diggers, dumpers and trucks you’re financing now. He knows the equipment, the process and the pressures of running a business.
That means the advice you get isn’t generic. It’s real, practical and tailored to what you actually need.
We Get It
Getting Finance Shouldn’t Slow You Down
Cash flow’s tight and the next job’s waiting
The bank’s buried you in paperwork
You just need new gear fast and stress-free
We get it. We’ve been there too. That’s why we built a service that cuts the noise and keeps things simple
Here’s How We Get Your Finance Sorted
Getting finance shouldn’t be complicated. We keep things simple, clear and quick, so you can focus on running your business while we handle the rest.
Chat with us
We find your options
You get your finance sorted
Tell us what gear you need and where your business is at. We’ll have a quick, no-pressure chat to understand your goals.
We compare a range of competitive lenders and explain your choices clearly, with no jargon and no surprises.
Once everything’s approved, we’ll walk you through the next steps so you can get your equipment and get back to work.
Here’s How We Get Your Finance Sorted
Getting finance shouldn’t be complicated. We keep things simple, clear and quick, so you can focus on running your business while we handle the rest.
6+ years of construction industry experience
Ross isn’t just another finance broker. With years of hands-on experience in the construction industry, he understands the real challenges of running a business and the kind of finance that actually works on site.
Hands-on knowledge of heavy equipment and operations
From diggers and dumpers to trucks and trailers, Ross has operated the gear himself. That means you’re dealing with someone who genuinely knows what you’re financing and why it matters to your business.
Strong network of lender and industry contacts
Over the years, Ross has built solid relationships with lenders and industry partners. Those connections help him find competitive options that fit your needs and get results faster.
Personalised service, not one-size-fits-all loans
Every business is different. Ross takes the time to understand your goals, your cash flow and your equipment needs before recommending any finance options.
Competitive finance options that fit your cash flow
It’s not about the biggest loan, it’s about the right one. Ross helps you find flexible, competitive options that support your growth without putting pressure on your bottom line.
Full transparency with no hidden fees or surprises
What you see is what you get. Every rate, term and fee is explained upfront, so you can make confident decisions without worrying about hidden costs later.
You Don’t Have to Take Our Word for It
Ben Thompson
Couldn’t have asked for a smoother bulldozer loan. They structured repayments that suited our cash flow, and the whole process was transparent and fast.
Matthew Hughes
Fantastic service for upgrading our utes. Approval was quick, rates were better than expected, and the team really understood what a small business needs.
Joshua Kelly
Highly recommend for any business needing trucks or equipment. Quick approvals, minimal paperwork, and a team that genuinely cares about your business needs.
Daniel Mitchell
Thanks to Encharge Capital for making our excavator purchase so easy. The team guided us every step, explained all the options, and got the approval faster than we expected. Couldn’t be happier!
Claire Wilson
Encharge Capital made financing farm machinery stress-free. From tractors to harvesters, they handled everything and made sure the repayments matched our seasonal needs.
Sarah L.
Huge thanks to the team for sorting finance for our new fleet trucks. Their knowledge and advice made the process stress-free, and we got a deal that worked perfectly with our cash flow.
Here’s How We Get Your Finance Sorted
Getting finance shouldn’t be complicated. We keep things simple, clear and quick, so you can focus on running your business while we handle the rest.
FAQs
What types of equipment can I finance?
You can finance most types of business equipment, including excavators, trucks, utes, trailers, tools and machinery. If it helps you get the job done, we can usually help you finance it.
Can I finance used or second-hand equipment?
Yes. Many lenders are comfortable financing quality used gear, depending on the age and condition of the equipment. We’ll talk through your options before you decide.
Do I need to provide full financials to apply?
Not always. There are options for self-employed and “low doc” applicants. Once we know your situation, we’ll match you with lenders who can work with your level of documentation.
How long does the process take?
Once we’ve received your documents and everything’s in order, approvals can often be arranged within 48 hours for qualifying applications. Settlement times depend on the lender and equipment type, but we’ll keep you updated every step of the way.
What if I’m a new business with limited trading history?
That’s okay. Some lenders are open to newer businesses, especially if you have industry experience or existing equipment. We’ll help you find options that fit your circumstances.
How much can I borrow?
It depends on your business performance, the type of asset and the lender’s criteria. Once we understand your goals, we’ll give you a clear idea of what’s achievable without overextending your cash flow.
Do you charge any fees for your service?
In most cases, we’re paid by the lender, not by you. If there are any fees involved, we’ll always tell you upfront so there are no surprises.
Can I pay off the finance early?
Yes, most equipment loans can be paid out early, though some lenders may charge small break costs or payout adjustments. We’ll explain how that works before you sign anything.
What if I have a poor credit history?
It’s still possible to get approved, depending on your situation. We work with a wide range of lenders, including those who consider applications outside traditional criteria. We’ll review your options honestly and transparently.
What makes Encharge Capital different from other brokers?
You’re working with someone who’s actually been in your boots. Ross has years of hands-on construction experience, understands the equipment you’re financing and takes a personal, honest approach to every client. There’s no hard sell — just straightforward advice and support.
Still Have Questions?
Let’s have a quick chat about your options. No obligation, just straight-up advice.
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Encharge Capital Pty Ltd Credit Reference No: 567607, Australian Credit Licence: 523711