Vehicle & Equipment Finance

What Vehicle & Equipment Finance does

Vehicle & Equipment Finance Pty Ltd is an Australian equipment and vehicle finance brokerage founded in 2002 and headquartered in Shepparton, Victoria, with additional offices in Melbourne (Hawthorn) and Ballarat. Operating across Victoria, South Australia, and New South Wales, the firm arranges finance on behalf of SMB and individual clients for motor vehicles, farm machinery, earthmoving equipment, trucks/trailers/buses, engineering and manufacturing plant, construction equipment, aircraft, and watercraft. Its go-to-market is sales-led and field-based: a small team (1-10 employees) of licensed, accredited Finance Consultants travels approximately 126,000km annually to meet clients at their preferred locations and handles all paperwork, loan structuring, and lender negotiation. Distribution is supplemented by service-provider relationships with independent finance brokers in Geelong, Albury, and Warrnambool.

The firm's core technology is the consultant-driven broking process itself rather than a proprietary platform. Through its accreditation with COG Aggregation — Australia's largest specialized asset finance services business — the firm accesses a panel of 40+ asset finance lenders (referenced as 50+ including aviation specialists) and benefits from the compliance, systems, and infrastructure that come with that membership. Product structures span chattel mortgages, leases, sale & buy back arrangements, consumer/personal loans, insurance premium funding, lease and escrow, and trade finance, with terms ranging from 6 to 84 months and loans starting from $10,000. The firm is a member of CAFBA (the national peak body for commercial and equipment finance brokers) and operates under Australian Credit Licensee #444332.

Revenue is generated through lender commissions on arranged finance; pricing is quote-based and not publicly disclosed. The firm serves a horizontally diversified SMB customer base across eight asset verticals, with named customers spanning earthmoving (JDC Earthmoving), contracting (Dwyer Contracting), plumbing (Eastern Plumbing Works), electrical (Coastal Electrical and Data), agriculture (BJE Ag), and aviation (Diamond Helicopters). It is privately held by its founding partners and operating management, with no institutional investors, parent company, or external funding disclosed.

Name

Vehicle & Equipment Finance

Legal name

Vehicle & Equipment Finance Pty Ltd

Website

https://vefinance.com.au

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Vehicle & Equipment Finance is an Australian equipment finance brokerage, founded in 2002 and operating across Victoria, South Australia, and NSW, arranging chattel mortgages, leases, and related finance for SMBs and individuals across eight asset categories via a mobile consultant-led model.

Ownership category

akta.pro rank

Product category

Equipment Finance Broking

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Equipment & Asset Finance Brokerage (FSAEAEAJ)

akta.pro secondary industries

Auto & Vehicle Loan Brokerage (FSAEAEAK), SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH), Commercial Trucking & Heavy Equipment Vehicle Finance (FSAKADAI)

Keywords

• Equipment finance broking
• Asset finance solutions
• Vehicle finance broker
• Commercial equipment lending
• Agricultural finance services

Headquarters

HQ city

Hawthorn

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Equipment Finance Broking: The company acts as a finance broker earning commission from lenders for arranging equipment finance solutions including chattel mortgages, leases, and other commercial finance products for businesses and individuals.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Vehicle & Equipment Finance is an Australian equipment finance brokerage that arranges tailored financing solutions for motor vehicles, farm machinery, earthmoving equipment, trucks/trailers/buses, engineering/manufacturing plant, construction equipment, aircraft, and watercraft. The company acts as an intermediary between borrowers and a panel of 40+ to 50+ asset finance lenders, structuring deals including chattel mortgages, leases, sale and buy-back arrangements, consumer loans, insurance premium funding, lease and escrow facilities, and trade finance. Licensed finance consultants handle all paperwork, prepare loan profiles, submit applications, and negotiate on the client's behalf.

Product overview

Vehicle & Equipment Finance is an Australian equipment finance brokerage operating since 2002 that offers a comprehensive suite of tailored financing solutions. The core offering consists of eight equipment finance products covering motor vehicles, farm machinery, earthmoving equipment, trucks/trailers/buses, engineering/manufacturing plant, construction equipment, aircraft, and watercraft. These equipment financing products are supported by seven distinct finance product types including Chattel Mortgage, Sale & Buy Back, Consumer/Personal Loans, Leasing, Insurance Premium Funding, Lease and Escrow, and Trade Finance. The company leverages relationships with over 40-50 asset finance lenders to match borrowers with appropriate finance structures tailored to their cash flow, tax planning, and business growth requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Vehicle Finance Financing solutions for cars and utes for both business and personal use, offering tailored repayment plans and access to competitive rates from a network of lenders.
• Farm Machinery & Equipment Finance
• Earthmoving Equipment Finance
• Trucks, Trailers & Bus Finance
• Engineering & Manufacturing Finance
• Construction Finance
• Aircraft Finance
• Watercraft Finance
• Chattel Mortgage
• Sale & Buy Back
• Consumer/Personal Loans
• Leasing
• Insurance Premium Funding
• Lease and Escrow
• Trade Finance

Quantifiable outcome

• Funding approvals in as little as 24 hours for earthmoving equipment
• +1 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• COG AggregationcoreStrategic or Co-development Partner · 1 January 2002Accredited member of COG Aggregation, the largest specialized Asset Finance services business in Australia. Partnership ensures robust asset finance compliance, systems, and infrastructure, along with access to over 40 asset finance lenders.
• Commercial Asset Finance Brokers Association of Australia (CAFBA)coreOthersMember of the national peak professional body of the commercial and equipment finance industry. Abides by and committed to CAFBA's professional competency and integrity standards.
• Insurance PartnersminorOthersInsurance products listed on the website are issued by insurance partners. The company arranges Insurance Premium Funding as one of their finance products.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Jade Finance: Australian equipment and asset finance broker arranging chattel mortgages, leases, and vehicle finance for SMEs and individuals. Comparable product mix, broker-only model, and target customer base to Vehicle & Equipment Finance.
• Liberty Finance Australia: Australian asset and equipment finance provider offering leasing and chattel mortgage products across vehicle and equipment categories. Operates in a similar customer segment with overlapping finance structures.
• Capify: Australian small business finance provider offering equipment finance, business loans, and working capital. Serves a similar SME customer base seeking equipment acquisition funding.
• Finance One: Australian asset finance and consumer lending provider specializing in vehicle and equipment finance. Overlaps with V&E Finance in product offerings and SME customer base, though operates as a direct lender rather than broker.
• Finlease: Australian equipment finance broker providing asset finance solutions to SMEs across industries including transport, agriculture, and construction. Closely comparable broker model, vertical mix, and customer profile.

Broad incumbents

• Prospa: Australia's leading online small business lender offering loans and asset finance. Competes for SME equipment finance customers but operates a broader, digital-first lending portfolio.
• Plenti: Australian asset finance and lending platform offering vehicle, renewable energy, and personal asset finance. A larger, more diversified incumbent in the equipment/asset finance space, though with a more technology-led delivery model.
• Latitude Financial Services: Australian consumer and asset finance provider with vehicle and personal asset lending products. Larger incumbent competing in vehicle finance, with established lender relationships that overlap V&E Finance's panel.
• ANZ Asset Finance: Major Australian bank's asset finance arm offering equipment leasing and chattel mortgages. Represents direct lender competition that V&E Finance brokers finance deals around, and a key lender on the firm's panel.
• NAB Asset Finance: National Australia Bank's equipment and vehicle finance division. Competes for the same SME equipment finance customers as V&E Finance and is also one of the underlying lenders on its panel.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/vehicle-&-equipment-finance

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vehicle & Equipment Finance