EverCap Finance Blog

Chattel Mortgage vs Finance Lease: Which Is Right for Your Business? - The structure you choose can affect cash flow, tax treatment and balance sheet position. Here's a plain-English comparison from a broker's perspective.

How to Finance a Truck in Australia: A Broker's Guide for SMEs - From owner-operators to growing fleets, here's a broker's view on what actually goes into getting a truck deal across the line.

Instant Asset Write-Off: A Broker's Plain-English Overview - The instant asset write-off can affect how SMEs plan equipment purchases - but the rules change often. Here's the broker's overview, with a strong reminder to talk to your accountant.

Equipment Finance for Startups: How to Approach the Process With No Trading History - No trading history doesn't have to be the end of the conversation. Here's how brokers help newer businesses present themselves to the right lenders.

Finance Broker vs Going Direct to a Bank: An Honest Comparison - Your bank isn't the only option - and often isn't the best one for asset finance. Here's a fair comparison from a broker's perspective.

Financing Heavy Equipment for Civil & Construction Businesses - Excavators, loaders, graders, cranes - heavy equipment is capital-intensive. Here's how civil and construction SMEs typically structure their fleet finance.

How to Finance a Used Truck in Australia: A Step-by-Step Guide - Used trucks can be smart value - if you finance them well. Here's a broker's step-by-step on how used truck deals come together in Australia.

Earthmoving Equipment Finance in Australia: A Broker's Guide - Excavators, loaders, dozers - earthmoving equipment is capital-intensive. Here's a broker's guide to how Australian civil contractors typically fund their fleet.

Can You Get Vehicle Finance With Bad Credit in Australia? - A default or low credit score doesn't automatically end the conversation. Here's how impaired-credit vehicle and asset finance is typically approached.

Buying a Used Concrete Boom Pump: What Lenders Look At - Most boom pumps we finance are used. Here's what lenders check and how to avoid delays before you commit to a pump.

Financing Imported or Re-Mounted Concrete Pumps - Imported and re-mounted pumps can be financed, but they need more preparation. Here's what to get ready.

Balloon vs Nil Balloon on a Concrete Pump - A balloon lowers the repayment. Nil balloon means the pump is yours at the end of the term. Here's how to think about it.

How to Choose a Truck Finance Broker in Australia: A Practical Checklist - Not every broker is set up for trucks. Here's a checklist of what to ask before you hand over your details.

EverCap Finance is a Sydney-based asset finance broker led by Director Kyle Talbot, supported by Broker Support Officer Carl Trabado. We arrange truck, concrete pump, earthmoving, machinery and equipment finance for Australian businesses through a panel of 50+ lenders. EverCap Finance is a Credit Representative of COG Aggregation Pty Ltd (ACL 389527). Call 0435 603 545 or email info@evercapfinance.com.au.