Finance question
Equipment finance for plumbers?
Yes. Work vans, high-pressure jetters, drain cameras, pipe locators, mini excavators and trenchers all finance as plumbing 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 take on drainage work fast, and we place them across 40+ lenders with no upfront fee to you.
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The short answer
Kit the van for drainage work without draining cash
The jobs that pay best in plumbing often need the most gear. A high-pressure jetter, a drain camera, a pipe locator or a mini excavator opens up blocked-drain and civil work, but paying cash for them before the invoices land squeezes your fittings stock and apprentice wages. Equipment finance spreads the cost across the working life of the gear.
The asset secures the loan, so the paperwork is light. Many plumber 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 under a house all day and needs the jetter or the van ready before the next call-out, not weeks later.
As a broker we work across 40+ lenders, not one bank policy. Whether you are a sole trader adding a camera and jetter or a growing outfit buying a mini excavator for trenching, 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 a plumbing deal usually needs.
The work asset
Van, jetter, drain camera, locator, mini excavator or trencher to secure it.
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 plumbers finance gear instead of paying cash
Cash for fittings and wages
Keep working capital for stock and apprentices, not tied up in a jetter.
Secured by the asset
The gear carries the risk, so the family home usually stays out of it.
Take on bigger jobs fast
Approvals often in 24 to 48 hours, so drainage and civil work opens up sooner.
A real example
A plumber wants to move into blocked-drain and civil work and needs a $22,000 high-pressure jetter, a drain camera and a mini excavator for trenching, around $95,000 all up. Rather than spend the fittings float, the package is financed low-doc, secured on the gear. Approved inside two days, on the tools for the new jobs by week one. Illustrative only.
Common questions
Frequently asked questions
Can I finance a jetter, camera and mini excavator together?
Often yes. Multiple items can go on one facility or as separate agreements, whichever structures better for you.
Can I finance a fitted-out plumbing van?
Yes. The van and its racking or fit-out can often be financed together, subject to lender assessment.
Can I finance used plumbing equipment?
Usually yes, including a quality used jetter or excavator. Very old gear can narrow which lenders will look at it.
Do I need financials as a sole-trader plumber?
Frequently no. Many deals settle low-doc or no-doc on an active ABN, with the asset as security.