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Private Sale Finance

Yes, you can finance commercial equipment, machinery, trucks and vehicles from a Private Supplier.

Before you make the decision to do this, you must find out weather the supplier is registered for GST. If he is not, you will effectively be paying 10% more than you realise, as you will not be able to claim back any GST from the ATO.

Once you are happy you will pay a reduced price or the supplier is GST registered, we can now look at what additional requirements will be required. As with any finance application we will need to meet the proposed lenders finance approval requirements. However the financier is going to want more.

Read below to find out what the financier might need.
Verifying Description of Goods.

  • The goods will need to have a serial number or like for physical identification
  • The goods will need to be inspected by us or an authorised inspection authority
  • The goods will need their value verified. (The financier may charge a fee for this)

Verifying the Current Owner of the Goods

  • A PPSR check is done to ensure the goods are not stolen, have been written off by an insurer or a finance agreement is current on the goods.
  • The seller is required to prove they are the owner of the goods. (Purchase Invoice and proof of payment)
  • The seller must produce identification and banking details for loan funds to be deposited to. (They will only deposit funds to the bank account of the verified owner)

Age Restrictions

  • Some financiers will not finance a Private Sale. Other have age restrictions. Please talk to us to find out more.

If you want to know more about purchasing from a Private Seller call us on 1300 583 022 or fill out the contact form for a Free Confidential Consultation.


Phillip Gruppelaar - Senior Finance Manager

Commenced in the Finance Industry in 1988. Phillip has been a senior manager in finance businesses since the mid 1990's. This included 5 years as General Manager of one of Australia's largest and most successful Finance Brokerage Businesses. Phillip is a General Asset Finance specialist

Have questions? Live chat with Phillip!

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George Carver - Senior Finance Specialist

Commenced with National Australia Bank in the early 1970's. A Custom Credit Branch Manager by 1978.

For the last 20 years he has run Carver Financials, he joined forces with Harley Finance in 2012.George is a Truck, Equipment & Machinery Finance specialist.

Have questions? Live chat with George!

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