Finance question
Equipment finance for electricians?
Yes. Work vans, scissor lifts and EWPs, cable pullers, thermal imaging cameras and test-and-tag gear all finance as electrical equipment, secured against the asset rather than your cash. Deals often settle low-doc or no-doc in 24 to 48 hours, so you can gear up for a contract fast, and we place them across 40+ lenders with no upfront fee to you.
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The short answer
Gear up for the next contract, keep the cash
Electrical work runs on a fit-out van, access equipment and quality instruments. A racked-out work van, a scissor lift for a commercial job, a cable puller or a thermal imaging camera can add up fast, and paying cash for them before the contract is invoiced squeezes your materials and apprentice wages. Equipment finance spreads the cost over the working life of the gear.
The asset secures the loan, so the paperwork is light. Many sparky deals settle low-doc or no-doc on an active ABN, often with no financials, just the supplier quote. That suits a contractor who is on the tools all day and needs the van or the lift ready before the job starts, not weeks later.
As a broker we work across 40+ lenders, not one bank policy. Whether you are a sole trader chasing your first commercial job or a growing outfit adding a second van, we match your situation to the lender most likely to approve, structure the deal and advocate for it, and the lender pays us on settlement.
Do you qualify?
What an electrical deal usually needs.
The work asset
Van, scissor lift, EWP, cable puller or test gear to secure the finance.
An active ABN
Sole trader or company, both qualify, no long history required.
A supplier quote
The invoice or quote for the vehicle or equipment you want.
Deposit optional
Often none needed, though it can widen your lender options.
Why electricians finance gear instead of paying cash
Cash for materials
Keep working capital for cable, switchgear and apprentice wages.
Secured by the asset
The van or gear carries the risk, so the family home usually stays out of it.
Ready for the job
Approvals often in 24 to 48 hours, so the van or lift is ready on day one.
A real example
An electrician lands a run of commercial fit-out work and needs a $48,000 racked work van plus a scissor lift for the ceiling runs. Rather than tie up cash before the first invoice, both are financed low-doc, secured on the assets. Approved inside two days, kitted and on site for the start date, paid from the contract. Illustrative only.
Common questions
Frequently asked questions
Can I finance a fitted-out work van?
Yes. The van and the racking or fit-out can often be financed together on one facility, subject to lender assessment.
Can I finance access equipment like a scissor lift?
Usually yes, whether new or quality used. Older units can narrow which lenders will look at it.
Do I need financials as a sole-trader sparky?
Frequently no. Many deals settle low-doc or no-doc on an active ABN, with the asset as security.
Can I finance test instruments and thermal cameras?
Yes. Quality electrical instruments can be financed alongside the van or on their own, subject to assessment.