Geared Finance

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Geared Finance Since 2005, Geared Asset Finance has provided lending facilities to businesses across Australia. What makes us different? Why choose Geared?

Whether you’re after a new vehicle or looking to give your business the facelift it deserves, we’ll find the best finance solution for you. Geared Asset Finance is a full-service financier and broker with over 20 years of experience in tailored funding solutions. At Geared Finance, we search the market to find the best solution for you. Our processes are often quicker than the big banks, and with access to a range of financial products, we work hard to bring our customers the most attractive and most competitive rates the market has to offer. No financials required · No deposits or bonds · No more to pay at the end of the term · No penalty on early payouts · Competitive interest rates · Approval within 24 hours

New season. New menu. Same tired gear? A menu refresh is the perfect moment to upgrade the equipment behind it. Fresh di...
14/10/2026

New season. New menu. Same tired gear?

A menu refresh is the perfect moment to upgrade the equipment behind it. Fresh dishes deserve gear that can actually keep up at service, and spring is the time to sort it.

The best part: you do not have to drain the account to do it. Finance the upgrade and keep your cash where it is needed.

Ready for a refresh? Link in bio.

This one is a genuine win for small business. The $20,000 instant asset write-off is now permanent for eligible small bu...
12/10/2026

This one is a genuine win for small business.

The $20,000 instant asset write-off is now permanent for eligible small businesses. In plain English, that means less guessing about timing when you upgrade the gear that keeps your venue running.

Here is the smart way to play it: fund the oven, cold room or coffee machine now, keep your cash working in the business, and let your accountant handle the tax side. You get the gear without the big hit to your account.

Swipe through for the quick version, then send us a message when you are ready to fund your next piece of gear.

General information only, not tax advice. Please check your eligibility with your accountant or the ATO.

Here's a mistake that quietly costs operators money: financing a short-life asset over too long a term. ⏳The rule of thu...
29/09/2026

Here's a mistake that quietly costs operators money: financing a short-life asset over too long a term. ⏳

The rule of thumb? Match the finance term to the working life of the gear. A coffee machine you'll run hard for a few years shouldn't still be getting paid off long after you've replaced it.

Line the repayments up with the years the equipment actually earns, and it pays its own way the whole time.

Not sure how to structure it? That's what we're here for. 👉 Link in bio

General information only, not financial or tax advice.

27/09/2026

The hospitality industry has seen a lot of change over the last twenty years, but our commitment to financing your assets and growth remains exactly the same.

Geared Finance has spent two decades backing businesses with the equipment they need so they can keep doing what they love.

Twenty years is a long time to keep getting the same phone call. 📞Operators don't stay with a finance team for two decad...
27/09/2026

Twenty years is a long time to keep getting the same phone call. 📞

Operators don't stay with a finance team for two decades because of a number on a page. They stay because they get a real person who picks up, a straight answer, and finance that moves at the speed their business is growing.

That's the whole job. We've been doing it since 2005, and we still treat every deal like it's the one that matters. Because to the business owner on the other end, it is.

Here's to the next twenty. 👉 Link in bio

Your old gear might be costing you more than a new one would. Here are 5 signs it's time. 👇1️⃣ The repair bills are stac...
25/09/2026

Your old gear might be costing you more than a new one would. Here are 5 signs it's time. 👇

1️⃣ The repair bills are stacking up
2️⃣ It keeps breaking down (lost covers, lost hours)
3️⃣ It's slowing you down at peak
4️⃣ It's become a safety or compliance risk
5️⃣ The warranty's expired and every fault is your bill

The good news: you don't have to pay for the upgrade in one hit. Finance it, spread the cost over its working life, and let the better gear pay its way.

Save this for the next breakdown. 👉 Link in bio

General information only, not financial advice.

Paying off equipment somewhere else? You might be paying more than you need to. 👀Most owners sign one finance deal and n...
23/09/2026

Paying off equipment somewhere else? You might be paying more than you need to. 👀

Most owners sign one finance deal and never look at it again. But your business isn't the same as it was two years ago. Stronger trading history, more options on the table.

Refinancing means restructuring what you already owe to lower your monthly outgoings, free up cash, or roll a few separate deals into one. Especially worth a look if you've got a payout coming up.

A quick review costs nothing. 👉 Link in bio

General information only, not financial advice.

The summer rush is closer than it feels. ☀️The operators who cruise through December aren't the ones scrambling for a ne...
21/09/2026

The summer rush is closer than it feels. ☀️

The operators who cruise through December aren't the ones scrambling for a new oven in November. They sorted it in spring, while there was still time for approval, delivery and installation without the queue.

New coffee setup, an extra fridge, a second ute for the run. Whatever gets you through your busiest weeks, now is the window to line it up.

Get ahead of the rush. 👉 Link in bio

Buy, lease, or finance? It's the question every operator hits when the gear needs replacing.Buying outright means you ow...
17/09/2026

Buy, lease, or finance? It's the question every operator hits when the gear needs replacing.

Buying outright means you own it, but it's a big hit to your cash. Leasing keeps things flexible, but you don't own the asset. Financing lets you spread the cost while the equipment earns, and own it at the end.

The right call depends on your cashflow and how your accountant structures it, so always loop them in. That's the bit a good broker helps you weigh up. 👉 Link in bio.

General information only, not financial or tax advice.

Everyone budgets for the fit-out. It's the rest that catches new operators out.• The equipment behind the equipment (ext...
15/09/2026

Everyone budgets for the fit-out. It's the rest that catches new operators out.

• The equipment behind the equipment (extraction, grease traps, compliance)
• Bond and lease costs before you've sold a single coffee
• Opening stock and the wages to install and test it all
• Working capital for the quiet first months while word gets around

After 20 years matching Melbourne operators with the right finance, we've seen where the money really goes. Financing your equipment keeps cash free for the costs you can't finance.

Thinking about opening? Message us before you sign anything. 👉 Link in bio.

General information only, not financial advice.

Address

Level 4, 420 Collins Street
Melbourne, VIC
3000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+611300828567

Website

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