Commercial Asset & Equipment Finance in Joondalup
Need a truck, excavator, medical equipment, or machinery? We help Joondalup and Perth businesses get the gear they need without draining their cash flow. We compare 40+ lenders to find the right deal for your business — not just the first one that says yes.
Grow Your Business With The Right Finance
If your business needs equipment to operate, you shouldn’t have to choose between buying it outright or going without. Asset and equipment finance lets you get what you need now and pay it off over time — keeping your cash where it belongs, in your business.
We work with businesses right across Joondalup and Perth — from tradies buying their first work van to mining companies financing heavy machinery. Whatever industry you’re in, we’ve most likely helped a business just like yours.
The difference with Encharge Capital is that we don’t just find you a lender — we find you the right structure. That means the right repayment term, the right interest rate, and a deal your accountant will actually be happy with. We handle everything from application to approval so you can get back to running your business.
Types Of Equipment We Finance In Perth & Joondalup
Choose from over 40 Lenders, all in one place
Why Joondalup & Perth Businesses Choose Encharge Capital
We’re not a call centre. We’re a Joondalup-based team that actually knows the Perth business landscape — the industries here, the lenders that understand them, and the structures that work best for WA businesses.
When you call us, you speak to your broker. Not a receptionist, not a junior, not someone reading off a script. We move fast because we know that in business, waiting around for finance approval costs real money.
We’ve helped businesses across Perth’s northern suburbs — from Joondalup to Wanneroo, Clarkson to Osborne Park — get approved and get their equipment on site quickly. That’s what we’re here for.
Fast Local Approvals
We know time is money. We push hard for quick turnarounds — most clients get an answer within 24–48 hours of submitting their application.
Tax-Smart Structures
We work alongside your accountant to set up finance that's structured correctly from day one — so you get the full tax benefit of the asset.
Industry-Specific Solutions
From Joondalup trades to Perth mining — we know what lenders look for in your industry and how to present your application to get it approved.
Competitive Dealer Pricing
We're not tied to any dealer or manufacturer. That means we can negotiate on your behalf and make sure you're not overpaying — on the asset or the loan.
Asset Finance FAQs From Perth & Joondalup Businesses
Can I finance used or second-hand heavy machinery in Perth?
Do you offer equipment finance for new businesses or start-ups?
We can. It’s harder without trading history, but there are lenders who consider start-ups — especially if the business owner has assets, a strong personal credit history, or a deposit. We’ll be straight with you about what’s realistic and what you need to make it work.
What types of machinery can Encharge Capital finance?
Pretty much anything a business uses to generate income — vehicles, plant equipment, earthmoving machinery, healthcare equipment, technology, fit-outs, and more. If you’re not sure whether your asset qualifies, just ask us.
How fast is the approval process for asset finance in Perth?
For straightforward applications, we often get conditional approval within 24–48 hours. More complex deals — like specialist or high-value equipment — can take a few extra days. Either way, we keep you updated throughout and always push for the fastest outcome possible.