Nightcraft Financial Services have extensive experience in sourcing the right type of business finance solutions to suit your business needs.

We have a range of secured and unsecured loan options from equipment finance to cash flow lending products to support your growth and support your business to success.

We have a range of different finance options we can assist you with including:

Equipment Loans

We can assist you with all types of equipment purchases whether new or used.

Cash Flow Finance

Looking for help in sourcing cash flow options to support your business growth.

Truck Finance

We have an extensive range of truck finance lenders and products for new & used.

Technology Finance

We can assist you in purchasing your IT equipment with a large range of options.

Low Doc Loans

Low Doc Loan options for those who may not have their financials in order.

Energy Leasing

With the cost of energy pricing continuing to rise, NFS can help your commercial clients save on their energy bill by providing tailored asset finance solutions.

Our finance solutions allow our clients to access the energy assets they require, while spreading the cost over regular monthly installments.

Chattel Mortgage

Under a Chattel Mortgage, NFS lends money to the customer to purchase a motor vehicle or other equipment (the “chattel”), and the customer makes regular repayments.

The customer will take ownership of the vehicle at the time of purchase, but our nominated lender will also take out a “mortgage” over the vehicle/equipment as security for the loan.

Once the term of the loan is completed and any residual (balloon) value is paid, our nominated lender will remove any security registration, giving the customer clear title to the vehicle/equipment. Alternatively, the customer can apply to refinance the balloon.

Vehicle Select

Our nominated Lender has a dedicated team helping our clients find, source and buy their next car, Vehicle Select acts as an extension of your business.

By offering Vehicle Select, you’ll leverage our nominated Lenders’ comprehensive dealer network and help give your business a competitive advantage.

Our nominated Lender ensures the relationship and trust you’ve built with NFS is maintained and strengthened by providing access to lower-priced fleet deals, and offers over and above national fleet pricing, including corporate servicing packages.


Our nominated Lenders’ Rental product enables eligible commercial clients to finance the use of office technology and equipment.

The Rental product is suitable for clients who:

  • Intend to use the goods predominantly for business purposes
  • regularly refresh office technology and equipment
  • want flexibility to either return, continue renting or offer to purchase the goods at end of term
  • seek possible off balance sheet treatment
  • use assets with a short term useful life or that become rapidly obsolete. For example, many technology assets need to be upgraded every three years.

Finance Lease

Under a Finance Lease, the Lender purchases a vehicle or equipment, and then leases the vehicle/equipment to the commercial customer in return for monthly rental payments.

At the end of the term of the lease, the customer may offer to purchase the vehicle/equipment for the residual value. Alternatively, the customer may apply to refinance the residual and continue the lease. The Lessor, sets the residual values of its finance lease agreements in accordance with ATO Taxation Ruling IT28.

Novated Lease

A Novated Lease agreement is where an employee leases a car and then sub-leases (or novates) it to their employer, who pays the lease rentals. The employer will continue to pay the rentals whilst the employee remains to be employed by them. The employee is responsible to perform all other obligations not related to payment of the rentals.

Plant & Equipment Finance

If your business needs any form of new equipment to either replace older assets or to take on growth, we can assist you with a streamlined finance facility. An Asset Finance loan will allow you to get the equipment that you need now to either increase your efficiency or take on new work to continue growing.

We provide a full range of finance that is both tax efficient and flexible to meet your business needs.

  • Engineering Equipment
  • Plant Equipment
  • Forklifts
  • Manufacturing Equipment
  • Woodworking Equipment
  • General Machinery
  • Water Cleaning Equipment

In most cases we will require the following information to be available when you are applying for any type of commercial finance or business loan.

  1. Completed full application including Assets & Liabilities
  2. Veda search of the directors
  3. Larger lends require an equipment schedule
  4. New businesses- forecasts prepared by the accountant
  5. Preferably 2 years of financials however drafts may be sufficient to initially assess the deal.
  6. Details regarding the equipment you wish to purchase

These are just of the requests we or a lender will ask you to complete prior to submission. We do have low doc loans available if required however many of these loans can have higher interest rates.