Business finance
Business Loans For Mechanics
Working capital, equipment, and growth finance for mechanics — matched to your revenue and time trading, not a generic credit score.
Trusted by 1,200+
Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for mechanics and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for hoists, diagnostic tools, and workshop equipment as you grow.
- Working capital for parts, stock, and the wait on customer payments.
- One application across lenders that fund motor and vehicle trades.
How it works
Simple next steps
- 1Tell us the equipment or cash flow you need and your trading history.
- 2We match it to lenders that fund workshops and vehicle trades.
- 3You compare the options and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Mechanics
Mechanics need cash for two things: equipment and the gap between paying suppliers and getting paid. A new two-post hoist, a wheel aligner, an updated diagnostic scan tool or a tyre machine can quickly reach the ~$60,000 mark, and that spend goes out before the extra jobs pay it back. Equipment finance spreads the cost of the gear, while a working-capital line covers parts accounts and wages so a slow-paying fleet customer does not leave you short.
Common questions
Mechanics — business loan questions
Can I finance a hoist and diagnostic gear together?
Yes. Hoists, aligners, scan tools and tyre machines can all go on equipment finance, often spread over the life of the gear. Cockatoo helps match you to a lender that understands automotive workshops.
What if I have a big fleet customer who pays slowly?
A working-capital facility bridges that gap, covering parts and wages while you wait on a 30 or 60-day account. Showing steady servicing revenue alongside the fleet work usually strengthens your application.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.