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Earlypay Equipment & Asset Finance

Equipment and vehicle finance from $50K to $1.5M over 2 to 5 years for GST-registered businesses trading for 2 years or more.

Equipment & Asset FinanceVehicle & Fleet Finance
Source dated 23 Sept 2026
Amount
$50K to $1.5M
Term
2 yrs to 5 yrs
Rate
From 9.49% p.a.
Security
Asset-backed
Enquire about this product

Product details

As published by Earlypay. Details not published by the lender are marked.

Loan amount
$50K to $1.5M
Rate
From 9.49% p.a.
Term
2 yrs to 5 yrs
Security
Asset-backed
Structure
Chattel mortgage
Time trading
2+ years trading
Funding time
Funds available the next working day after approval
Restrictions
Must be registered for GST
How to apply
Direct with the lender, or through us
Not published by Earlypay
rate type, fees, repayment frequency, early repayment, turnover, documents, guarantees
Suitable purposes
EquipmentVehicleCash flow

About Equipment & Asset Finance

Earlypay publishes these details for Equipment & Asset Finance: structure chattel mortgage; loan amount $50K to $1.5M; term 2 yrs to 5 yrs; security asset-backed; time trading 2+ years trading; funding time funds available the next working day after approval. Not published by Earlypay for this product: maximum LVR, turnover, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Earlypay products

  • Business Line of Credit: Structure is chattel mortgage here and line of credit for Business Line of Credit; loan amount is $50K to $1.5M here and $100K to $10M for Business Line of Credit; Earlypay publishes term (2 yrs to 5 yrs) for this product but not for Business Line of Credit; Earlypay publishes time trading (2+ years trading) for this product but not for Business Line of Credit.
  • Invoice Finance (Invoice Factoring / Invoice Discounting): Structure is chattel mortgage here and invoice finance facility for Invoice Finance (Invoice Factoring / Invoice Discounting); loan amount is $50K to $1.5M here and $50K to $10M for Invoice Finance (Invoice Factoring / Invoice Discounting); Earlypay publishes term (2 yrs to 5 yrs) for this product but not for Invoice Finance (Invoice Factoring / Invoice Discounting); Earlypay publishes time trading (2+ years trading) for this product but not for Invoice Finance (Invoice Factoring / Invoice Discounting).
  • Trade Finance: Structure is chattel mortgage here and trade finance facility for Trade Finance; Earlypay publishes loan amount ($50K to $1.5M) for this product but not for Trade Finance; Earlypay publishes term (2 yrs to 5 yrs) for this product but not for Trade Finance; Earlypay publishes security (asset-backed) for this product but not for Trade Finance.

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More from Earlypay

Business Line of Credit

Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.

Amount
$100K to $10M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Earlypay Business Line of Credit

Invoice Finance (Invoice Factoring / Invoice Discounting)

Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.

Amount
$50K to $10M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Earlypay Invoice Finance (Invoice Factoring / Invoice Discounting)

Trade Finance

Trade finance for businesses with outstanding invoices to other Australian businesses, to fund stock and cash flow.

Amount
Not published
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Earlypay Trade Finance

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Source dated 23 Sept 2026
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Source dated 25 Sept 2026
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