Finance question
Can I get business finance as a trust or company?
Yes. Business finance is available whether you trade as a company, a trust, a partnership or a sole trader. All the common Australian structures are fine, and the entity type rarely changes whether a deal can be done, subject to lender assessment.
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The short answer
Your structure rarely decides the outcome
Companies, trusts, partnerships and sole traders all borrow for equipment every day. Lenders are used to each of these structures and know how to document them, so the entity you trade through is rarely the thing that makes or breaks a deal. What matters more is the asset, your ABN and how the finance is put together.
Trusts sometimes add a step, not a barrier. A discretionary or unit trust usually needs a corporate or individual trustee to sign, and lenders may ask for a director or trustee guarantee. That is routine paperwork, not a reason for decline, and we handle it as part of structuring the deal correctly the first time.
Across our panel of 40+ lenders, appetite varies by profile, not by whether you are a Pty Ltd or a family trust. A broker's job is to match your structure and situation to the lenders most comfortable with it, so the application is judged on the substance of the deal rather than a technicality.
Do you qualify?
What we look at, whatever your structure.
An active ABN
Company, trust, partnership or sole trader all work.
A specific asset
The vehicle or machine that secures the finance.
A guarantor if needed
Trusts and companies often sign with a director guarantee.
Clean entity details
Trust deed or company records ready to document the deal.
Why the entity type is not the hurdle
Lenders know structures
Trusts and companies are everyday business, fully catered for.
The asset secures it
Security sits in the equipment, whatever the borrowing entity.
We handle the paperwork
Trustee sign-offs and guarantees are routine, not roadblocks.
A real example
A family trust with a corporate trustee wants a $60,000 excavator for a civil business. The lender documents the trustee and takes a director guarantee, secured on the machine. The structure adds a signature, not a decline, and it settles on low-doc. Illustrative only.
Common questions
Frequently asked questions
Can a trust borrow for equipment?
Yes. Discretionary and unit trusts both can. The trustee signs, and lenders may ask for a director or individual guarantee.
Is a company or a sole trader easier to fund?
Neither is inherently easier. The asset, ABN and overall profile matter far more than the entity type.
Will a trust structure slow things down?
Only slightly, if at all. It usually means a trustee sign-off and a guarantee, which is routine documentation.
Do I need financials whatever my structure?
Often no. Many deals are assessed on low-doc or no-doc, using the asset and an active ABN.