Finance that actually understands your equipment.
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Banks finance assets. We finance operators.
we structure finance around how your business actually runs.
Not how a bank spreadsheet thinks it should.
Operators & Contractors
Finance that moves at the pace of projects - so you can keep quoting.
Truckies & Transport
Prime movers, trailers, refrigerated transport and more. Structured around freight cycles, utilisation, and real operating costs.
Farmers & Ag
Estimate your Repayments
Why Operators Choose Shaper:
We specialise in moments like this.
Shaper delivers finance that is straight, flexible, future-oriented, and fast. No red tape & no jargon.
Faster, Human Decisions
Your scenario is reviewed properly, not pushed through rigid bank rules.When something needs context, there’s a human looking at it.
Easy apply options (low-doc)
If you've got an ABN and GST registration, that's usually enough.
Flexible Structures for Cashflow/Trades
Balloon options, seasonal repayments, and terms shaped around cash flow - not just interest rates on paper.
Specialist Equipment Finance
That means fewer blanket declines and more sensible structures.
One Local Point of Contact
No call centres, no hand-offs, no repeating yourself.
How it works
Here’s how we'll get you moving.
1. Quick details
2. Specialist review
3. Fast-track outcome
30+ Lenders Competing for your Deal.
That means better structures, better approvals, and better outcomes.
Trusted by operators across Australia.
Many of our clients simply text us when they buy equipment.
Not because it’s casual - but because they trust that we'll just get it sorted, without limiting their future.
Frequently Asked Questions:
We're a specialist finance brokerage based across Brisbane and Melbourne, led by Nic Jarvisto - our founder with over 20 years in equipment and agri lending. We're not a bank. We're brokers, which means we work for you, not the lender.
We find the structure that actually makes sense for your business, then go to market to get it funded.
We typically fund from small single-asset deals up to $2.5 million.
If you're above that, call us - some transactions we can still structure, it just takes a bit more time and documentation.
You can apply to get conditionally approved in minutes. The timeline for full settlement depends on your lender and documentation, but we move as fast as the deal allows. We've had finance settled in 20 minutes, many happen same day, some take days.
If we can get it done fast, we will. We don't sit on things.
No. The pre-qualification check is completely soft - no impact on your credit file, no obligation to proceed.
We only run a formal credit check when you've decided you want to move forward.
No. We're an independent finance broker. That means we have access to a panel of 30+ lenders - banks, non-banks, and specialist equipment lenders - and we find the one that fits your deal best.
Banks can only offer their own products. We offer the market.
It varies by lender and deal structure, but many owner-operators qualify for little-to-no deposit, especially with a strong ABN history. We'll be upfront about what your specific deal requires.
A balloon (or residual) is a lump sum at the end of the loan term that reduces your monthly repayments. It suits operators who turn over vehicles regularly, or who want to preserve cashflow during the term. It's not right for everyone - we'll help you model both options so you can see the actual difference.
Not necessarily. If you're ABN-registered and GST-registered for 12+ months, you may qualify for a low-doc loan - which means bank statements instead of full tax returns. We'll work out the best documentation path for your situation.
Yes - and this is exactly where we specialise.
Banks are notorious for knocking back sole traders.
We work with lenders who understand owner-operator cashflows, and we know how to structure the deal to give it the best chance. It's what we do.
Anything commercial - prime movers, semi-trailers, B-doubles, tippers, refrigerated units, flatbeds, crane trucks, car carriers, buses, and light commercial vehicles.
If it's got a business purpose, we can likely fund it.
Low-doc means applying with a low amount of documents/proof.
If you've been ABN-registered for 12+ months and GST-registered for 12+ months, many lenders will consider your application with bank statements rather than full tax returns. It's designed for business owners whose financials don't neatly fit the traditional mould - which, frankly, describes most operators.
Heavy machinery across construction, earthmoving, agriculture, mining support, and transport - excavators, loaders, dozers, graders, telehandlers, harvesters, tractors, forklifts, cranes, and more.
Basically, if it's a business-use asset, there's likely a lender for it.