Advisory-led commercial and asset finance, backed by decades of director-level experience. We specialise in helping business owners structure finance to drive growth.
Simplify your business finance objectives, partner with experts.
Habitat Capital is a specialist commercial finance brokerage built on over four decades of combined director experience in Australian banking and finance. Our roots are deep, with the Habitat Finance brand proudly supporting clients for over 20 years.
Our advisory-led approach.
We’re not here to just process applications—we act as long-term finance partners, helping business owners make confident, strategic decisions across asset, property, and cashflow lending. Our clients trust us because we understand how business works. We’ve sat in the lender’s seat, negotiated complex credit, and delivered outcomes that make a lasting difference.
Words From Clients
“Habitat helped us finance critical equipment during a period of rapid growth. They understood our needs better than the bank ever did.”
Marc T.
Managing Director
Mining & Industrial Tank Engineering
Our Finance Solutions.
Asset Finance
From machinery to vehicles, we help business owners secure competitive asset finance with minimal friction.
Business Loans
Structured business loans for working capital, expansion, acquisition or cash flow support.
Commercial Lending
Property-backed solutions tailored for Business owner-occupiers and commercial investors.
Home Loans
Residential lending for self-employed and business owners for owner-occupiers and investment properties.
Equipment Vendors
Habitat Capital is a trusted partner in Australian commercial finance, empowering equipment providers with tailored finance solutions that drive customer acquisition, increase sales margin, and strengthen long-term client relationships.
Power Your Equipment Business with the Right Finance Partner.
We help OEMs/ Distributors/ Dealers and Commercial Equipment operators grow their business by embedding finance directly into the sales process. Whether you’re seeking to launch a branded white-labelled finance program or offer flexible leasing and financing to your clients. Habitat Capital provides the end-to-end support and structure to make it happen.
BOOST SALES WITH TAILORED FINANCE FOR YOUR CUSTOMERS
Our Vendor Finance Program helps you close more deals by offering flexible funding options at point of sale. Let us handle the finance while you focus on growing your business.
PARTNER WITH EXPERTS IN EQUIPMENT FINANCE
Our advanced AI platform streamlines the finance process from application to settlement. As your finance partner, we make it easier for customers to get approved—and easier for you to scale.
DIVERSE FUNDING ACCESS WITH SPECIALIST FINANCIERS
Close more deals with flexible funding powered by our proprietary AI-driven finance architecture and access to a wide panel of lenders. We match each customer with the right solution—fast.
Building The Future Of Equipment Together. Our Equipment Vendor Finance Options.
- We design & manage strategic finance programs.
- We are experts across many market segments & asset types.
- We understand usage, subscription, & lifecycle finance.
- We structure & fund your transition to service-led, contract-based sales.
- We support your long-term equipment sales growth & margin.
