Equipment finance & business loan broker on the Gold Coast.
loan-o is a Gold Coast business finance broker helping local hospitality operators, tradies, construction businesses and growing SMEs compare equipment finance, ute finance, fit-out finance and business loans across 50+ lenders. From Southport and Robina to Burleigh Heads, Coomera and Tweed Heads - we understand the seasonal cash flow patterns and asset needs that shape how Gold Coast businesses earn through the year.
Whatever your business runs on.
Vehicles & Utes
Work utes, vans and 4x4s. New and used.
Get a quote →Equipment & Plant
Excavators, tools, machinery and fit-outs.
Get a quote →Equipment finance for Gold Coast businesses.
Equipment finance spreads the cost of an asset over its working life, with the asset itself usually securing the loan. We compare chattel mortgages, finance leases and business loans across 50+ bank and non-bank lenders for Gold Coast and Tweed businesses - including structures that allow for seasonal trading.
Hospitality & fit-out finance
Commercial kitchens, cool rooms, coffee machines, furniture and full fit-outs for cafes, restaurants and bars from Surfers Paradise and Broadbeach to Burleigh. Fit-outs are harder to finance than standalone equipment because they are fixed to the site, so lender choice matters.
Hospitality & fit-out finance →Ute & van finance for tradies
Work utes, vans and trailers for trades working the northern growth corridor - Coomera, Pimpama, Ormeau - and across the coast. Sole traders and companies alike, new or used.
Ute & vehicle finance →Construction & earthmoving plant
Excavators, skid steers, loaders and tippers for builders, civil contractors and landscapers keeping up with the coast's housing and infrastructure work. We finance plant from dealers, auctions or private sale.
Earthmoving & plant finance →Business loans & seasonal cash flow
Tourism and hospitality income swings with the seasons. For stock, wages through the quiet months or a new location, we compare business loans, lines of credit and invoice finance built around how your business actually trades.
Business loans →Why Gold Coast businesses choose loan-o.
Gold Coast local knowledge
The ABS counted 83,266 businesses on the Gold Coast at 30 June 2025 (Data by region). Construction is the largest industry with 15,355, followed by rental, hiring and real estate services (12,135), professional, scientific and technical services (11,181), health care and social assistance (6,713) and transport, postal and warehousing (5,633). We work with Gold Coast and Tweed businesses every day, from hospitality operators in Broadbeach and Surfers Paradise to tradies in Coomera and tourism operators managing seasonal cash flow.
50+ lenders compared for your situation
We compare bank and non-bank lenders across Australia to find equipment finance, ute finance and business loan options that fit the Gold Coast business cycle - not just the most convenient option for the broker.
We handle the process end to end
From first enquiry through to settlement - we compare lenders, manage the paperwork and keep you informed at every step. You focus on running the business; we sort the finance so it doesn't become another distraction.
Noah was awesome to deal with start to finish made the process easy while staying professional keeping me updated the whole time. I’d highly recommend these guys for a stress free serviceJett Bodiam · Google review
Gold Coast equipment finance questions, answered plainly.
Got a different question? Call 1300 156 266 →
Yes. loan-o is based in Milton, Brisbane, and works with businesses from Coomera to Coolangatta and across the border into Tweed Heads by phone and online. We compare 50+ bank and non-bank lenders and manage the application through to settlement.
Sometimes. Some lenders offer structured repayments, a balloon to lower regular payments, or a line of credit to smooth out quieter months. What is available depends on the lender, the asset and your trading history, so we look at your actual cash flow before recommending a structure. As an illustration only (not a quote or a loan-o rate), an $80,000 loan over 5 years at 7.00% has a repayment of about $1,584.10 a month with no balloon, or about $1,360.61 with a 20% balloon. Total interest rises from $15,045.75 to $17,636.60, and the $16,000 balloon is still owed at the end.
Yes, but fit-outs are harder to finance than standalone equipment because they are fixed to a leased site and have little resale value. Lenders look closely at your lease term, trading history and the split between equipment and building works. We match you to lenders that regularly finance fit-outs.
Yes. Our lenders operate nationally, so a business on the NSW side of the border can be financed the same way as one in Queensland.
It is possible. Lenders look at how long your ABN has been registered, your credit history, whether you own property, the deposit and the asset itself. Some lenders work with newer ABNs, especially where there is a deposit or property backing.
Our office is in Milton, Brisbane. We work with Gold Coast businesses by phone and online, so you can get started quickly without travelling.
Often, depending on age, condition and the seller. Older assets and private sales usually need a few extra checks, such as an invoice from the seller, a PPSR search to confirm there is no money owing, and sometimes an inspection or valuation.
In most cases, no. Brokers are typically paid a commission by the lender once the loan settles. If a brokerage fee applies in your situation, it must be disclosed to you in a Credit Quote before you apply, and it is only payable if your loan settles.
Also serving nearby: Brisbane · Ipswich & Logan · Moreton Bay · Sunshine Coast · Toowoomba
Get expert Gold Coast business finance advice today.
Tell us a little about your situation and a loan-o specialist will be in touch. No obligation, no pressure.
- A real specialist reviews your details
- We compare 50+ lenders for your situation
- Plain-language guidance, every step