Equipment finance & business loan broker on the Sunshine Coast.
loan-o is a Sunshine Coast business finance broker helping local tradies, builders, tourism operators, farmers and growing SMEs compare equipment finance, ute finance, farm equipment finance and business loans across 50+ lenders. From Caloundra and Kawana through Maroochydore, Buderim, Nambour and all the way to Noosa - we understand how Sunshine Coast businesses earn and structure finance around how they actually operate.
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 Sunshine 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 businesses from Caloundra to Noosa and out to Gympie - including repayment structures that allow for seasonal trading.
Construction & earthmoving plant
Excavators, skid steers, loaders, tippers and trailers for builders, civil contractors and landscapers working the coast's growth areas - Caloundra South, Palmview, Maroochydore and the northern corridor. New and used, from dealers, auctions or private sale.
Earthmoving & plant finance →Ute & van finance for tradies
Work utes, vans and trailers for electricians, plumbers, carpenters and other trades across the coast, whether you are a sole trader or a company. A chattel mortgage is the most common structure - check the tax side with your accountant.
Ute & vehicle finance →Hospitality & tourism fit-outs
Commercial kitchens, coffee machines, cool rooms, furniture and full fit-outs for cafes, restaurants and tourism operators from Noosa and Coolum to Mooloolaba and Caloundra. Fit-outs are harder to finance than standalone equipment, so lender choice matters.
Hospitality & fit-out finance →Farm equipment for hinterland growers
Tractors, sprayers, irrigation, packing and cool-chain equipment for growers and producers in the hinterland and around Nambour and Gympie. Some lenders offer seasonal repayments, so larger payments fall when the crop is sold.
Agricultural equipment finance →Why Sunshine Coast businesses choose loan-o.
Sunshine Coast local knowledge
The ABS counted 39,239 businesses on the Sunshine Coast at 30 June 2025 (Data by region). Construction is the largest industry with 8,376, followed by health care and social assistance (3,645), retail trade (2,341), transport, postal and warehousing (1,690), accommodation and food services (1,503), manufacturing (1,465) and agriculture, forestry and fishing (1,246). We work with Sunshine Coast businesses every day, from tradies in Caloundra and Kawana to tourism operators in Noosa and farmers in the hinterland.
50+ lenders compared for your situation
We compare bank and non-bank lenders across Australia for equipment finance, ute finance, farm equipment finance and business loans - structured to suit how your Sunshine Coast business actually earns through different seasons and cycles.
We handle the process end to end
From first enquiry through to settlement - we compare lenders, manage the documentation and keep you updated at every stage. You focus on running the business; we sort the finance and take the run-around out of the equation.
Jayke offered such quick and to the point service. 100% recommend, the best finance brokers I’ve ever worked withAva Marie · Google review
Sunshine 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 Caloundra to Noosa and out to Gympie by phone and online. We compare 50+ bank and non-bank lenders and manage the application through to settlement.
Sometimes. Some lenders offer structured or seasonal 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. Sole traders commonly use a chattel mortgage for a work ute or van, the same as companies. Lenders will look at your ABN history, credit file and how the vehicle is used in the business.
We also compare secured and unsecured business loans, lines of credit and invoice finance - for stock, wages through a quiet season, a second location or a fit-out that is mostly building works rather than equipment.
Our office is in Milton, Brisbane. We work with Sunshine Coast businesses by phone and online, so you can get started quickly without travelling.
Some lenders will consider repayments that follow your harvest or season. It depends on the lender, the asset and your trading history.
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 · Gold Coast · Toowoomba
Get expert Sunshine 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