Fast Finance, More Sales

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

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.

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1300 828 567
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1300 550 007

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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.
Coffee Roasters

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

I want to borrow
and repay it over
and make repayments
* Quotes are an indication of the payment for the amount of finance specificed. The quotes are subject to commercial lending criteria with a completed credit assessment and are subject to change.
* Quotes are an indication of the payment for the amount of finance specificed. The quotes are subject to commercial lending criteria with a completed credit assessment and are subject to change.

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.

What do our customer say about us?

“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 Geared team is responsive, fast and so easy to deal with. THEY GO ABOVE AND BEYOND, LIAISING DIRECTLY WITH SUPPLIERS TO MAKE THE PROCESS AS SMOOTH AS POSSIBLE and have great time saving touches like electronic Privacy Act documents. As a fast growing business, it’s great to know that we can get fast approvals and settlements to help us acquire much needed equipment on an ongoing basis. I would have no hesitations in recommending Geared Asset Finance!”.

Guy Greenstone, Stomping Ground Brewing Co.

“We have been working with Geared Finance for the past 4 years and have always found their service to be attentive and prompt at all times. GEARED PROVIDES A HIGH LEVEL OF CUSTOMER SERVICE WORKING WITH US AS A CLIENT TO CREATE A BESPOKE SOLUTION THAT FITS WITH THE OPERATIONAL REQUIREMENTS OF OUR BUSINESS. I have always found Geared Finance to be professional in all their dealings and ready and willing to assist in all scenarios.”

Sandra Giannakopoulos, Sodexo

“Geared Finance has been a great help to our business. From first being introduced to Geared from a hospitality equipment provider, we started dealing with them. GEARED NEVER CEASES TO AMAZE ME TO WHAT THEY CAN PROVIDE SUPPORT WITH, FROM NOT ONLY PLANT AND EQUIPMENT, TO SOLAR, TO SOFTWARE FINANCE AND VEHICLE FINANCE! Very competitive rates of interest, and option to chattel mortgage with balloons. Not only the turnaround time, but the professional service, advice and years of experience, Fabulous Catering is proud to be a loyal client of Geared, and for many years to come!”.

Adam Pope, Fabulous Catering

“Geared Asset Finance has over the years financed the school’s ITC equipment. As a school, we require from companies not just finance but flexibility and an understanding of a school’s financial operations, all of which we receive from Geared Asset Finance. WE HAVE NO HESITATION IN HIGHLY RECOMMENDING GEARED ASSET FINANCE FOR YOUR BUSINESS”.

Manuel Pappos, Alphington Grammar School

“THE TEAM AT GEARED ASSET FINANCE HAVE BEEN NOTHING BUT PHENOMENAL, WHEN IT COMES TO SORTING OUT OUR BUSINESS FINANCES, FROM START TO FINISH THEY ARE ALWAYS THERE TO HELP. They have been handling all our finances for a number of years and I’m sure there will be plenty more years to come. Thank you Geared and the Team”.

Mark Clarke, Geelong Collision Care

Have questions?

We have solutions.

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* Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.
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