$20k–$150k of business gear, on site in 48 hours. No bank, no balance-sheet hit, and a clear path to ownership.
Drag the slider — see your monthly rate.
New ABNs, ATO debt, no property security. We underwrite cashflow and the asset — not just your file.
4-hour first touch. 24-hour decision. 48-hour delivery on in-stock assets. We move at the speed of your job site.
Published rate cards. No broker-only secret pricing. Clear end-of-term options. You always know where you stand.
Buy out, return, extend, or upgrade. The customer chooses. Your business changes — your finance should too.
"Bank wanted two years of returns. I had a job starting Monday. Ironbark approved my $58k coffee van in 36 hours."
"Six months as a new ABN with a $200k rolling PO. Every bank knocked me back. Ironbark looked at the work, not the file."
Tell us your asset and your business. We'll come back with an indicative rate same day — no credit pull, no obligation.
Apply nowA simple 12-month commercial rental. Use the asset on day one, keep your cash for the business, decide later if you want to buy it out.
Pick from our supplier panel, or bring your own. We pay the supplier direct.
7-minute form. Connect your bank-statements securely. Same-day soft quote.
Real underwriter review. Conditional approval, then signed docs via FuseSign.
Pay 2 months upfront + $495 doc fee. Asset delivered. Start earning.
Same Rent-to-Own structure. Pricing scales with your credit profile.
3+ years trading · clean ATO · 750+ score
18+ months trading · ATO plan OK · 600+ score
3–12 months trading · impaired credit OK
| Option | What happens | Typical cost |
|---|---|---|
| Buy out | Pay the residual, asset is yours. | ~25% of asset cost |
| Return | We collect the asset. Walk away clean. | $0 |
| Extend | Keep renting. Monthly rate drops 30%. | Lower monthly |
| Upgrade | Trade in for a newer asset, fresh 12-month term. | New rental schedule |
Get an indicative quote in under a minute — no credit check, no commitment.
Apply nowWe're built for the businesses where the asset IS the business. Get the gear on day one. Pay monthly. Decide later.
Utes, vans, trailers, compressors, scaffold, mini-loaders, generators, tool packages.
Ovens, coolrooms, coffee machines, full kitchen fit-outs, bar fit-outs, POS systems.
Gym rigs, treadmills, reformers, functional training rigs, full studio fit-outs.
Laser equipment, salon chairs, dental chairs, hair-wash stations, IPL machines.
Service vans, mobile-mechanic rigs, food trucks, mobile dog grooming, mobile car detailing kits.
If it's used in a business, GST-registered, and worth $20k–$150k, we'll consider it. Call us on 1300 IRONBARK.
Tell us what you needTell us about the asset and your business. We'll come back today with an indicative rate. No credit pull at this stage.
1300 IRONBARK
Mon–Fri, 7am–6pm AEST
Broker? Use the dedicated broker portal for instant indicative pricing.
Ironbark Rent-to-Own was founded in 2026 by a team of equipment-finance and SMB-lending operators who saw the same thing every week: a hard-working business with real cashflow getting turned away by a bank for being too new, too lumpy, or carrying a bit of ATO debt.
The Australian non-bank equipment finance market is well served at the top — heavy machinery, big tickets, prime credit. And it's well served in single niches like hospitality. But the broad middle — trades, fit-outs, fitness, beauty, mobile services, all under $150k — sits in a gap. That gap is who we're built for.
Our product is straightforward: a 12-month commercial rental on a business asset, structured so you can buy it, return it, extend it, or upgrade it at the end. We hold the asset. You keep your cashflow, your balance sheet, and your runway. The whole thing is 100% tax deductible.
A 6-week bank process kills small business momentum. We measure ourselves in hours, not weeks.
Bank-statement cashflow + real asset security + a clear use-case beats a perfect credit score every time.
Our broker network is paid fast, told yes or no fast, and never embarrassed in front of their client.
Published rates. No hidden fees. End-of-term options spelled out before you sign. That's it.
$3m founding equity raised. $5m mezzanine debt facility secured. 6 FTE onboarded. Credit policy v1 signed off.
First deals settled. Quote tool live. SEO foundation published. Run-rate: $400k/mo by end of Q3.
$15m senior warehouse facility refinances mezzanine. First cohort loss data published to capital providers.
Active rental book passes $11m. Series A discussions with growth equity for next $30m of book.
5-year plan delivers $102m of cumulative written volume and 28% post-tax ROE on cumulative equity.
If you're a tradie, a hospo operator, a studio owner, an accountant, a broker, or a supplier — we'd love to hear from you.
Get in touch