Frequently Asked Questions
Find answers to common questions with clear explanations.
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How does commercial equipment finance work?
Rather than paying for equipment outright, commercial equipment finance allows your business to acquire the asset and repay the cost over an agreed term — typically through a chattel mortgage, finance lease, or hire purchase arrangement. This preserves your working capital, can offer tax advantages (such as GST input tax credits and depreciation claims), and means the equipment is earning for your business from day one. Telmah Finance works with a panel of lenders to find the right structure and rate for your situation.
What types of commercial equipment can be financed?
Telmah Finance specialises in heavy and commercial equipment finance across a wide range of asset types, including trucks, cranes, excavators, bobcats, trailers, and other construction or earthmoving machinery. If your business relies on it to operate, there’s a good chance we can finance it. We work with new and used equipment, and can assist whether you’re purchasing from a dealer or a private seller.
As a finance broker and debt advisor, what are your key responsibilities and how do you add value to your clients?
Our role extends beyond simply sourcing finance—we act as strategic advisors, ensuring you secure the right funding solution that aligns with your business objectives.
We begin by gaining a deep understanding of your financial position, business story, and immediate borrowing requirements. From there, we structure a compelling funding proposal, leveraging our industry expertise and lender relationships to present your opportunity effectively.
Our approach follows a competitive tender-style process, where we engage with a curated selection of lenders to gauge appetite, pricing, and terms. Based on initial feedback, we refine the approach and submit a formal application to shortlisted funders, who undertake credit assessments and provide preliminary offers.
Once we present these offers, we guide you through the selection process, ensuring transparency and alignment with your strategic needs. Upon finalising the preferred funding option, we facilitate introductions to the lender, negotiate final terms, and assist in managing the transaction through to settlement.
By combining deep market insights, a rigorous funding process, and strong lender relationships, we maximise competition among financiers, delivering optimal funding outcomes with efficiency and confidence.
What ongoing engagement and support can clients expect after a transaction is finalised?
At McLellan Finance, our commitment to clients extends well beyond deal completion. We maintain an ongoing relationship through quarterly on-site meetings, ensuring we continuously refine our understanding of your business, goals, and management approach. Acting as a strategic sounding board, we provide insights and guidance on early-stage ideas, helping you plan and position your business for future opportunities. Our proactive engagement ensures you remain abreast of the changing pulse of the finance industry and are well-prepared for your next move.
