Used Equipment Finance – You Find It, We Help Fund It
At Real Asset Finance, we make it simple to secure the equipment your business needs—without draining your cash reserves. Whether you’re buying pre-owned machinery, refurbished tools, or second-hand vehicles, our used equipment financing solutions give you flexibility, speed, and peace of mind.
Many business owners are turning to used equipment loans as a smart alternative to buying brand-new. Why? Because the upfront cost of new equipment can be overwhelming, while quality pre-owned equipment delivers the same performance at a fraction of the price. With tailored repayment terms, you can keep your working capital free for growth, not tied up in depreciating assets.
5 Key Decisions When Choosing Used Equipment
When investing in pre-owned or refurbished equipment, making the right call upfront saves you money and headaches later. Here are the five most important decisions to weigh, with real-world examples:
- Condition & Inspection
- Always ask for service records, inspection reports, or refurbishment certificates.
- Example: A used excavator may look fine on the yard, but a detailed inspection could reveal worn hydraulic seals that will cost thousands to replace. It could also show added extras worth a lot more if you needed to source these parts independently.
- Remaining Useful Life
- Match the expected lifespan of the asset to your financing term.
- Example: If a firewood processor has an estimated 12 years of productive life left, but you’re offered a three-year loan, you risk paying for an asset far faster than required, the machine is still generating income well after the finance is cleared. A more appropriate 7 year loan spreads the cost over the actual working life of the equipment, keeping repayments affordable and aligned with the revenue the asset generates.
- Dealer Reputation vs. Private Sale
- Buying from a reputable dealer often means warranties, service guarantees, and verified equipment history and low dealer rates.
- Example: A dealer may offer a 6‑month warranty on a refurbished forklift, while a private seller offers no guarantees. In a private sale, it’s strictly buyer beware—you carry all the risk if the machine fails the day after purchase. But if you know what you are looking for the private sale can present some great buying opportunities saving a lot of money.
- Compatibility & Fit
- Ensure the equipment integrates smoothly with your existing operations.
- Example: A bakery buying a second-hand oven must confirm it fits the current power supply and ventilation system, otherwise installation costs could outweigh the savings.
- Total Cost of Ownership
- Look beyond the sticker price—factor in transport, installation, refurbishment, and ongoing maintenance.
- Example: A cheap used tractor might need $15,000 in repairs before it’s field-ready, making a slightly more expensive but fully serviced option the smarter buy.
Why Finance Used Equipment with Real Asset Finance?
- Fast Response – We reply within hours (12 overnight) to quickly assess your deal
- Flexible Terms – Repayment schedules designed to match your cash flow.
- Personal Service – Our team works with you directly—on site, at your office, or remotely.
- Smart Cash Management – Preserve working capital for payroll, marketing, and growth.
- Refurbishment Funding – We can finance both the purchase and the rebuild in one package.
Benefits of Used Equipment Financing
- Lower Upfront Costs – Avoid large cash outlays that strain your reserves.
- Affordable Monthly Payments – Structured to fit your budget and seasonal cash flow.
- Reliable Quality – Pre-owned equipment is typically inspected, tested, and refurbished before sale.
- Extended Asset Life – Finance repairs or upgrades to maximize the value of your investment.
- Sustainable Choice – Reusing and refurbishing equipment reduces waste and supports responsible business practices.
Get Started Today
At Real Asset Finance, we know that timing is everything. When you find the right equipment, you don’t want to wait weeks for approval. That’s why our used equipment finance process is designed for speed, flexibility, and transparency.
📞 Call us today on 03 421 7770 or 021 232 0151 to discuss your opportunity. If you’re pre-approved, you could have funding in place the same day.