‍Helping your customers secure finance quickly so you can close more deals with ease.

Fast Finance, More Sales

At Geared Finance, we make equipment financing simple, fast, and hassle-free—helping your customers secure the equipment they need while ensuring you get paid quickly.

With rising Green-bean prices putting pressure on margins, we’re supporting Roasters by offering flexible finance solutions that enable your clients to fund and acquire equipment—reducing the financial burden on the Roaster. Alternatively, we also offer competitive finance options for Roasters looking to purchase equipment themselves.
Become a Partner
Request a Callback

Growing your Business

Partnering with us makes it easier to close sales, improve customer satisfaction, and keep your business running smoothly.
Faster Sales – We work quickly with your customers to finalise finance and keep your business moving.
Better Customer Experience – Our Australia based dedicated team ensures a seamless experience, enhancing your brand.
Fast Payments to You – Swift payments to keep your cash flow moving.

Helping Your Customers

Our finance solutions make it easier for your customers to invest in quality equipment with confidence and peace of mind.
Flexible Repayments – Competitive rate and low repayments over 1–5 years.
Customer-Friendly Terms – No bonds, deposits, or hidden fees.
Ownership Guaranteed – Customers own their equipment outright at the start or end of the contract.

Two Flexible Finance Options to Suit Your Business Model

Whether your customer takes on the finance or you do, both options come with strategic advantages that support sustainable growth and better cash flow management.

Customer Acquires the Equipment with Finance

Let your customers finance the equipment themselves while you stay focused on roasting and building your brand.
Greater Pricing Flexibility – Avoid factoring equipment costs into your bag price. Lower your bag price to stay competitive with other roasters.
No Lock-in Supply Requirements – Eliminate the need to have minimum bag orders just to justify machine placement.
Reduced Risk Exposure – Say goodbye to the financial risk of “free-on-loan” equipment that may not deliver return.
Upfront Margin & Future Flexibility – Build margin into the equipment sale and, depending on the agreement, retain ownership at the end of term to reuse or resell the machine.

Roaster Acquires the Equipment with Finance

Maintain control of your assets while expanding your footprint at a pace that suits your growth.
Roll Equipment Costs into Bag Pricing – Spread the cost across your supply to keep it manageable.
Faster Growth Potential – Open new accounts without waiting to build up capital.
Strengthen Cafe Loyalty – Offering full setups can strengthen cafe loyalty and long-term supply agreements.
Retain Strategic Control – Keep key placements under your brand’s control with equipment you own.

Your Finance Needs

AU$
years
Calculator
Your estimated repayment
$48
per fortnight*
* Quotes are an indication of the payment and may change based on credit assessment and lending criteria.
Request a Callback

Frequently Asked Questions

What types of coffee equipment can be financed?
We finance a wide range of coffee equipment including espresso machines, grinders, brewers, water filtration systems, and even accessories like POS systems or refrigeration units if needed.
Who is the finance actually with – the roaster or the cafe?
That depends on the arrangement. In many cases, the cafe finances the equipment directly, removing financial burden from the roaster. Alternatively, some roasters prefer to finance the equipment themselves and supply it as part of their wholesale offering.
Can the customer own the equipment at the end of the finance term?
Yes – ownership is guaranteed at the beginning or end of the contract. There are no balloon payments, deposits, or hidden fees.
How quickly can finance be approved?
In many cases, finance can be approved within 24–48 hours, ensuring you or your customers get the equipment installed and operating with minimal delay.
What are the repayment options?
We offer flexible repayment terms ranging from 1 to 5 years, with competitive interest rates and monthly repayments to suit business cash flow.
Will this affect my relationship with my customers?
Not at all – in fact, offering a smooth and professional finance option can enhance your brand. Our Australia based dedicated team ensures a seamless customer experience.
Do I need to provide security or a deposit?
No upfront deposit or security is required in most cases, and we don’t ask for bonds or personal guarantees from your customers for standard applications.

Success Stories

Business: Café client
Turnover: $750K
Need: Coffee Machines
Facility: $40K over 4 years

Using Finance to Sell More Equipment!

We assisted a café in acquiring a new coffee machine and grinder through a competitive finance solution tailored to their cash flow. This allowed the café to avoid the burden of an upfront payment and allowed the sale to happen! The Roaster was able to complete the sale without carrying the cost of the equipment, while the customer easily funded the purchase through our facility.
Business: Roaster
Turnover: $2.5M
Need: Coffee Machines
Facility: $50K over 4 years

Allowing a Roaster to Secure their own Machine purchases

We provided a competitive finance solution for a Roaster to acquire equipment themselves, enabling them to place equipment in their clients’ venues without any upfront costs. This solution not only boosted the Roaster’s profit margins on coffee sales but also strengthened long-term client relationships and retention.

Don’t take our word for it! Hear it from our customers.

Stomping Ground Brewing Co.
I have been working with Geared Finance for over 10 years. During this time, they have helped us with our equipment finance needs and have been a pleasure to deal with. The team is responsive, fast, and easy to work with. They go above and beyond, even liaising with suppliers to streamline the process.
Guy Greenstone
Guy Greenstone
•
Stomping Ground Brewing Co.
Guy Greenstone
•
Stomping Ground Brewing Co.
Guy Greenstone
Sodexo
We have been working with Geared Finance for the past 4 years and always found their service attentive and prompt. Geared provides a high level of customer service and works with us to create bespoke solutions that suit our business. They are always professional, supportive, and ready to assist.
Sandra Giannakopoulos
Sandra Giannakopoulos
•
Sodexo
Sandra Giannakopoulos
•
Sodexo
Sandra Giannakopoulos
Ottimo Coffee
Larnce Leigh
Larnce Leigh
•
Ottimo Coffee
Larnce Leigh
•
Ottimo Coffee
Larnce Leigh
Fabulous Catering
Geared Finance has supported our business in many ways. From equipment and solar to software and vehicles, they offer solutions across the board. With competitive rates and fast service, they provide advice and experience that help our business grow. We’re proud to be a loyal client of Geared Finance.
Adam Pope
Adam Pope
•
Fabulous Catering
Adam Pope
•
Fabulous Catering
Adam Pope
Alphington Grammar School
Geared Asset Finance has financed our school’s IT equipment over the years. As a school, we need flexibility and an understanding of financial cycles, which they provide. Their support and service are reliable, and we’ve always felt confident working with them. We highly recommend them to others.
Manuel Pappos
Manuel Pappos
•
Alphington Grammar School
Manuel Pappos
•
Alphington Grammar School
Manuel Pappos
Geelong Collision Care
The team at Geared Asset Finance has been phenomenal. They handle our business finances from start to finish and are always available to help. Their long-term support has made a real difference to us. We’ve trusted them for years, and we’re sure we’ll continue to work with them well into the future.
Mark Clarke
Mark Clarke
•
Geelong Collision Care
Mark Clarke
•
Geelong Collision Care
Mark Clarke