The Ultimate Guide to Equipment Finance for Trailer Wholesalers

The Ultimate Guide to Equipment Finance for Trailer Wholesalers with Emu MoneyThe Ultimate Guide to Equipment Finance for Trailer Wholesalers with Emu Money

Trailer Wholesalers in Australia rely on a wide range of machinery and equipment to operate and grow their business. From trailers to lifts and other specialised equipment, having the right tools is crucial for their operations. However, purchasing new equipment outright can be a significant financial burden, which is why equipment finance is a valuable option for Trailer Wholesalers. Equipment finance allows businesses to acquire the necessary equipment without having to make a large upfront payment. Instead, the cost is spread out over a predetermined period, making it more manageable for businesses to invest in the equipment they need. This flexible financing solution offers numerous benefits for Trailer Wholesalers in Australia. One key advantage of equipment finance is that it helps businesses conserve their working capital. By not tying up a significant portion of their cash flow in equipment purchases, Trailer Wholesalers can allocate their funds towards other critical areas of their business, such as marketing, inventory, and employee salaries. Additionally, equipment finance provides businesses with the opportunity to upgrade their equipment regularly. As the industry evolves, new advancements and technologies emerge, and staying competitive requires staying up to date. With equipment finance, Trailer Wholesalers can easily replace or upgrade their machinery to ensure they are always equipped with the latest tools to meet customer demands. In the following sections, we will explore the different types of equipment financing options available to Trailer Wholesalers, delve into the benefits and considerations associated with each option, and provide insights on how to select the best financing solution for your business needs. So, let's dive into the world of equipment finance and discover how it can empower Trailer Wholesalers in Australia to thrive and grow their operations.

Ready to get started?

Compare over 40+ lenders with one application.

What is Equipment Finance?

Equipment finance is a financing solution designed specifically for businesses that require equipment to carry out their operations effectively. For Trailer Wholesalers in Australia, equipment finance offers a way to acquire the necessary machinery without the need for a substantial upfront payment. With equipment finance, Trailer Wholesalers can enter into an agreement with a financial institution or equipment finance provider to obtain the equipment they need. The financing arrangement typically involves regular payments over a predetermined period, allowing businesses to spread out the cost of the equipment. The process of obtaining equipment finance for Trailer Wholesalers involves assessing the equipment's value, determining the financing terms, and agreeing upon the repayment structure. The lender will take into account factors such as the type and value of the equipment, the business's financial stability, and its creditworthiness. Once the agreement is in place, Trailer Wholesalers will have access to the equipment they require for their daily operations. The business will make regular payments over the agreed-upon term until the financing is fully repaid. It's important for Trailer Wholesalers to carefully consider their equipment needs and financial capabilities when opting for equipment finance. By doing so, they can ensure they select the right financing solution that aligns with their business goals and cash flow. Equipment finance provides Trailer Wholesalers in Australia with an opportunity to obtain the necessary machinery and tools without the burden of a large upfront cost. This financing option empowers businesses to invest in their growth and success, while also providing flexibility in equipment upgrades and replacement.

Want to learn more?

Learn about eligibility and how to apply.

Top 10 Types of Equipment Trailer Wholesalers Can Purchase With Equipment Finance

Through equipment finance, Trailer Wholesalers can access a wide range of essential machinery and tools. This includes trailers for efficient transport, forklifts for material handling, and lifts for improved accessibility. This financing option empowers businesses to acquire the equipment necessary for their operations without the burden of upfront costs.

Here are some common types of equipment Trailer Wholesalers can purchase with equipment finance:


Trailers are the backbone of Trailer Wholesalers' business, allowing them to transport and deliver goods efficiently and securely.


Forklifts are essential for moving heavy pallets and materials within the warehouse, making them indispensable for Trailer Wholesalers' day-to-day operations.


Lifts, such as scissor lifts or boom lifts, enable Trailer Wholesalers to access elevated areas, facilitating tasks like maintenance, repairs, and inspections.

Racking Systems

Racking systems provide efficient storage solutions for Trailer Wholesalers, optimising their warehouse space and improving inventory management.

Packaging Machinery

Packaging machinery, including shrink wrap machines or strapping equipment, assists Trailer Wholesalers in efficiently preparing and securing products for shipment.


Scales are crucial for accurate weighing and measurement of products, ensuring compliance with regulations and proper invoicing for Trailer Wholesalers.

Computerized Inventory Management Systems

Computerized inventory management systems streamline operations by tracking stock levels, optimising reordering, and providing real-time inventory visibility.

Diagnostic Tools

Diagnostic tools, such as computerised testing equipment or scan tools, enable Trailer Wholesalers to accurately diagnose and troubleshoot issues with vehicles or equipment.

Office Equipment

Office equipment, including printers, scanners, and computers, support the administrative side of Trailer Wholesalers' business, ensuring smooth communication and efficient document processing.

Welding Equipment

Welding equipment allows Trailer Wholesalers to perform repairs and modifications, ensuring the quality and durability of trailers and equipment.

Top 10 Ways Trailer Wholesalers Use Equipment Finance For Growth

Equipment finance offers Trailer Wholesalers a range of growth opportunities. It enables them to expand their fleet, upgrade machinery, diversify offerings, optimise warehouses, invest in technology upgrades, enhance safety measures, cover maintenance costs, provide staff training, and pursue eco-friendly initiatives. Equipment finance fuels growth and competitiveness in the industry.

Here are some common reasons Trailer Wholesalers use equipment finance for growth:

Expansion of Fleet

Trailer Wholesalers can use equipment finance to expand their fleet of trailers, enabling them to take on more clients and increase their delivery capacity.

Upgrading Machinery

With equipment finance, Trailer Wholesalers can upgrade outdated machinery and equipment, improving efficiency and productivity in their operations.


Equipment finance allows Trailer Wholesalers to diversify their offerings by investing in specialised equipment, such as refrigerated trailers or custom-built trailers, to cater to specific customer needs.

Improved Handling Equipment

Upgrading forklifts and other handling equipment enhances Trailer Wholesalers' ability to handle goods more safely and efficiently, leading to improved customer satisfaction.

Warehouse Optimization

Trailer Wholesalers can use equipment finance to invest in racking systems, shelving, and other storage solutions, optimising their warehouse space and streamlining inventory management.

Technology Upgrades

By financing the purchase of advanced software and computer systems, Trailer Wholesalers can enhance their operations, such as implementing sophisticated inventory management systems or vehicle tracking software.

Enhanced Safety Equipment

Equipment finance enables Trailer Wholesalers to invest in safety equipment such as CCTV systems, alarms, or safety barriers, ensuring a secure working environment for their staff and assets.

Vehicle Maintenance and Repairs

Trailer Wholesalers can use equipment finance to cover the costs of vehicle maintenance and repairs, ensuring their trailers and trucks operate at their best and minimising potential downtime.

Training and Development

Financing can be utilised to provide staff with training and development opportunities, equipping them with the skills necessary to operate new equipment or technologies effectively.

Eco-friendly Upgrades

Through equipment finance, Trailer Wholesalers can invest in environmentally friendly equipment, such as electric forklifts or hybrid vehicles, reducing their carbon footprint and demonstrating their commitment to sustainability.

Ready to run the numbers?

Calculate your repayment estimates and more.

Advantages of Equipment Finance for Trailer Wholesalers

Equipment finance for Trailer Wholesalers in Australia brings several advantages, enabling them to secure the necessary equipment for their operations. Here are some of the advantages:

Access to Essential Equipment

Trailer Wholesalers in Australia can benefit from equipment finance as it provides them with access to essential equipment without the need for a large upfront investment. This allows them to acquire trailers and other necessary equipment to support their business operations efficiently.

Preservation of Working Capital

Equipment finance helps Trailer Wholesalers to preserve their working capital. Instead of using their funds to purchase equipment outright, they can opt for financing options that spread the cost over a specific period. This enables them to maintain a healthy cash flow and allocate their working capital to other critical areas of their business.

Flexibility in Financial Planning

With equipment finance, Trailer Wholesalers gain the advantage of flexible financial planning. They can choose from a range of repayment options, including fixed or variable interest rates and varying loan terms. This flexibility allows them to tailor their finance arrangements to suit their specific business needs and budget.

Potential Tax Benefits

Equipment finance can provide Trailer Wholesalers with potential tax benefits. They may be able to claim tax deductions on their leased equipment or account for the depreciation of purchased equipment. These tax benefits can help reduce overall tax liabilities and contribute to cost savings.

Disadvantages of Equipment Finance for Trailer Wholesalers

When considering equipment finance for Trailer Wholesalers in Australia, it's important to be mindful of a few considerations. Here are a few potential disadvantages to think about:

Financial Commitment

While equipment finance offers access to necessary equipment, it also requires a financial commitment from Trailer Wholesalers. They need to consider the repayment terms and interest rates, as well as ensure their ability to meet the ongoing financial obligations associated with the loan. Mindful consideration should be given to the long-term impact on cash flow and budgeting.

Potential Depreciation

Trailer Wholesalers should be mindful of the potential depreciation of the financed equipment. Over time, the value of the equipment may decrease, and this could impact the resale or trade-in value when they decide to upgrade or replace the equipment. Evaluating the expected depreciation and its implications is essential to make informed decisions.

Limited Ownership

With equipment finance, Trailer Wholesalers do not own the equipment outright during the financing period. They are essentially renting or leasing the equipment, which means they may have certain limitations on its usage or customisation. Consideration should be given to the specific terms and conditions of the financing agreement to ensure they align with the business requirements.

Early Termination Costs

Trailer Wholesalers should be aware of the potential costs associated with early termination of an equipment finance agreement. If they decide to end the financing arrangement before the agreed-upon term, there may be penalties or fees involved. Careful consideration should be given to the duration of the financing agreement and the potential for any changes in business circumstances.

Equipment Financing Alternatives for Trailer Wholesalers

The alternatives to equipment finance for Trailer Wholesalers include lease options, equipment rental, vendor financing, and business loans. These alternatives provide flexible solutions, allowing Trailer Wholesalers to access the necessary equipment without the long-term financial commitment of ownership. Each option offers unique benefits and can be tailored to fit specific business needs.

Here are some common alternatives to equipment finance:

Lease Options

Leasing provides Trailer Wholesalers with the option to use equipment for an agreed-upon period while making regular lease payments. This alternative allows them to access the necessary equipment without the long-term financial commitment of ownership.

Equipment Rental

Renting equipment on a short-term basis can be a viable alternative for Trailer Wholesalers. This allows them to use the equipment for specific projects or during peak seasons without the need to purchase or finance it. Rental agreements provide flexibility and can be cost-effective for temporary equipment needs.

Vendor Financing

Trailer Wholesalers can explore vendor financing options offered directly by equipment vendors or manufacturers. These financing programmes often come with competitive rates and terms, providing a streamlined solution for acquiring the necessary equipment directly from the vendor.

Business Loans

Obtaining a business loan from a financial institution can be an alternative to equipment financing. Trailer Wholesalers can use the loan proceeds to purchase the equipment outright or to cover a portion of the equipment cost. Business loans offer more flexibility in terms of equipment selection and ownership.

Equipment Finance Repayment Calculator

To estimate your monthly repayments and the total cost of the loan, input the loan amount, loan term and interest rate into the calculator below. This helps you plan your budget and choose the most suitable loan terms.

Loan Amount
Establishment Fee
Loan Term (Years)
Interest Rate
Total amount to repay
Your repayments

Balance over time

Frequently Asked Questions

Still have questions about equipment finance?

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

What is the interest rate on equipment finance
Can I finance used equipment?
What is the typical term for equipment finance?
Do I need to provide a down payment?
Can I get equipment finance with bad credit?
Are there any tax benefits to equipment finance?
Can I pay off my equipment loan early?
Can I lease equipment instead of buying?
What is the difference between a lease and a loan?
What happens if the equipment breaks down?
Can I refinance equipment finance?
Is equipment insurance required?
Do I need a good business credit score for equipment financing?
Can I include installation, maintenance, and other costs in my loan?