Key Takeaways

• Used equipment financing allows businesses to acquire pre-owned machinery, vehicles, and tools without large upfront payments
• Interest rates for used equipment typically range from 7.00% to 18.00% p.a., higher than new equipment due to increased depreciation risk
• Equipment age restrictions usually limit financing to assets under 10-15 years old depending on the lender and equipment type
• Chattel mortgages, equipment leases, and hire purchase are the main financing options available for used equipment
• Tax benefits include potential deductions for interest payments and depreciation on business-use equipment
• Approval can be obtained within 24-48 hours for straightforward applications with proper documentation

Rising equipment costs and extended supply chain delays have pushed more businesses toward the pre-owned equipment market than ever before. When you need to finance used equipment, understanding your options can mean the difference between preserving crucial working capital and depleting your cash flow reserves.

Smart business owners recognise that acquiring essential machinery through equipment finance represents a strategic approach to business growth. Rather than waiting months for new equipment delivery or paying premium prices, financing second hand equipment offers immediate access to proven assets at competitive rates.

This comprehensive guide explores everything you need to know about used equipment financing, from understanding different finance options to navigating the application process and securing the best deal for your business needs.

What is Used Equipment Financing?

Used equipment financing refers to loan arrangements that enable businesses to acquire pre-owned capital assets while preserving working capital for other business purposes. Unlike traditional business loans, these arrangements use the equipment itself as collateral, reducing lender risk and potentially offering more competitive interest rates than unsecured business finance options.

When you finance used equipment, the asset serves dual purposes: it generates revenue for your business while simultaneously securing the loan. This asset-backed approach makes equipment loans more accessible to businesses that might not qualify for other forms of business finance.

Types of Equipment Commonly Financed

Most lenders will finance a wide range of used business equipment across various industries. Common categories include:

Construction and earthmoving machinery such as excavators, bulldozers, cranes, and compactors from manufacturers like Caterpillar and Komatsu. Lenders typically finance equipment manufactured within the past 5-10 years, with some extending to 15 years for robust machinery.

Manufacturing equipment including CNC machines, packaging lines, industrial ovens, and automated production systems. These assets often retain strong resale values, making them attractive to lenders.

Transport and logistics assets covering trucks, prime movers, trailers, delivery vans, and specialised transport equipment. Motor vehicles represent one of the largest segments in used equipment financing.

Agricultural machinery such as tractors, harvesters, seeders, and irrigation systems from established brands like John Deere and Case IH. Seasonal businesses often prefer financing to manage cash flow fluctuations.

Medical and dental equipment including imaging systems, surgical instruments, and practice fit-out equipment. Professional practices frequently use equipment finance to acquire expensive medical technology.

Office equipment and IT hardware covering computers, servers, telecommunications systems, and specialised business technology with shorter useful life cycles.

Loan Amounts and Terms

Equipment loans typically range from $10,000 to $2 million, with select lenders extending up to $5 million for large-ticket industrial machinery. The finance amount depends on the equipment’s value, condition, and your business’s financial capacity.

Loan terms generally align with the asset’s remaining useful life, typically spanning 2-7 years. Older equipment may qualify for shorter terms, while newer assets with longer anticipated lifespans can support extended repayment periods. This alignment ensures the loan is fully paid before the equipment reaches the end of its economic usefulness.

Most lenders require the equipment to serve a fixed term under the finance agreement, with the business maintaining responsibility for insurance, maintenance, and compliance throughout the loan term.

Types of Used Equipment Finance Options

Three primary financing structures dominate the used equipment market, each offering distinct advantages depending on your business circumstances and objectives.

Chattel Mortgage for Used Equipment

A chattel mortgage represents the most popular structure for businesses seeking immediate ownership of used equipment. Under this arrangement, your business owns the asset from day one while the lender registers a security interest on the Personal Property Securities Register (PPSR) until the loan reaches maturity.

This finance option offers several compelling advantages. Interest payments are typically tax deductible for business use, and eligible businesses can claim GST input credits on the full purchase price at acquisition. The business owns the equipment outright, providing flexibility for modifications, relocation, or early disposal if business needs change.

Monthly repayments remain fixed throughout the loan term, making cash flow planning straightforward. At the end of the loan, once regular loan repayments are complete, the equipment belongs entirely to your business with no further obligations.

Chattel mortgages work particularly well for established businesses with strong credit criteria that want immediate asset ownership and the ability to claim maximum tax deductions from day one.

Equipment Lease for Used Assets

Equipment leasing offers an alternative where the lender purchases the used equipment and leases it to your business for fixed monthly repayments. The lender retains ownership throughout the lease term, with your business gaining usage rights in exchange for regular payments.

Many equipment leases include a balloon payment option at term end, allowing you to purchase the asset for a predetermined residual value. This structure can reduce monthly repayments during the lease term by deferring a portion of the total cost to the final payment.

Leasing appeals to businesses seeking predictable monthly costs and potential off-balance-sheet treatment for accounting purposes. Some lease agreements bundle maintenance and insurance, simplifying equipment management for busy operators.

The lease term typically matches the equipment’s expected useful life, ensuring optimal alignment between financing and asset productivity. At lease conclusion, you can often choose to purchase the equipment, return it, or upgrade to newer assets.

Hire Purchase for Pre-Owned Equipment

Hire purchase combines elements of both loans and leases, allowing immediate equipment use while spreading ownership transfer across the repayment period. Your business gains possession and usage rights from day one, but legal ownership transfers only after the final payment.

This structure requires lower initial outlays compared to outright purchase while providing many ownership benefits during the hire purchase term. The equipment can be used immediately for business purposes, generating revenue to support monthly repayments.

Hire purchase arrangements often provide favorable tax treatment, with potential deductions for interest components and depreciation allowances. The gradual ownership transfer can benefit businesses with limited upfront capital while still providing long-term asset control.

Interest Rates and Costs for Used Equipment Finance

Understanding the true cost of used equipment financing extends beyond the headline interest rate to encompass various fees and charges that impact your total borrowing expense.

Current Interest Rate Environment

As of 2025, businesses can expect annual percentage rates between 7.00% and 18.00% when they finance used equipment. This range reflects several risk factors that lenders consider when pricing loans for pre-owned assets.

Used equipment typically attracts higher rates than new equipment financing, where competitive rates might start around 3.5% to 6.0% for well-qualified borrowers. The premium reflects increased depreciation risk, potential for hidden mechanical issues, and generally lower resale values compared to new assets.

Several factors influence where your business falls within this rate spectrum. Equipment age and condition significantly impact pricing, with newer, well-maintained assets securing more favorable terms. Your business’s credit history, trading duration, and financial stability also play crucial roles in rate determination.

Loan amount and term length affect pricing, with larger loans and longer terms often commanding better rates due to improved lender economics. The equipment type matters too – assets with strong resale markets typically qualify for lower rates than specialised machinery with limited secondary demand.

Additional Costs and Fees

Beyond the base interest rate, budget for several additional costs when planning your equipment finance. Establishment fees typically range from $300 to $1,500, scaling with loan size and complexity. These upfront charges cover application processing, credit assessment, and document preparation.

Monthly account-keeping fees of $10 to $50 are common, representing ongoing administrative costs throughout the loan term. Some lenders waive these fees for larger facilities or premium borrowers.

Professional equipment valuations may be required for older or high-value assets, costing $250 to $1,000 depending on the asset’s complexity and location. Independent inspections add similar costs but provide valuable condition assessments that can influence both approval and pricing.

Early termination penalties typically equal 1-3 months’ interest on the outstanding balance, discouraging borrowers from refinancing or paying loans early without careful consideration.

Cost Comparison: Used vs New Equipment

While used equipment carries higher interest rates, the total cost of ownership often remains competitive with new asset financing. Lower purchase prices can offset higher borrowing costs, particularly when considering reduced first-year depreciation on pre-owned assets.

For example, a $150,000 used packaging line financed at 12% over 5 years generates total interest costs of approximately $39,000. A comparable new system costing $250,000 financed at 6% over 7 years produces interest costs around $52,000, plus higher depreciation exposure.

Consider also that used equipment provides immediate availability, eliminating opportunity costs associated with delayed new equipment delivery. Production delays while waiting for new machinery can easily exceed any interest rate differential on used equipment financing.

Equipment Age and Condition Requirements

Lenders maintain specific criteria regarding equipment age and condition to manage their security position and ensure adequate collateral value throughout the loan term.

Age Limitations by Equipment Type

Most mainstream lenders finance equipment up to 10-15 years old, though limits vary significantly by asset category. Heavy construction machinery like bulldozers and excavators from quality manufacturers may qualify for financing up to 15 years old, reflecting their robust construction and extended useful life.

Technology-dependent assets face stricter age restrictions. IT equipment, medical devices, and specialised electronics typically qualify only if less than 5-7 years old due to rapid technological obsolescence and shorter economic lifespans.

Motor vehicles generally qualify for financing up to 10-12 years old, depending on mileage, condition, and manufacturer. Commercial trucks and specialised transport equipment may extend slightly beyond passenger vehicle limits due to their commercial-grade construction.

Manufacturing equipment age acceptance varies by type and manufacturer reputation. Well-maintained CNC machines, industrial ovens, and automated systems from recognised brands often qualify for financing up to 10-15 years old.

Condition Assessment Requirements

Equipment condition assessment becomes increasingly important as assets age. Lenders may require professional inspections for assets valued above $100,000 or those with incomplete service histories.

Documentation requirements include verifiable serial numbers, maintenance records, and proof of regulatory compliance where applicable. Equipment must be traceable to reputable suppliers, dealers, or auction houses, with private sales sometimes viewed as higher risk.

For older or high-value equipment, independent condition reports provide lenders with professional assessments of mechanical integrity, remaining useful life, and fair market value. These reports, while adding to transaction costs, can actually improve financing terms by providing lender confidence in the asset’s condition.

Some lenders maintain preferred inspection networks, streamlining the assessment process and potentially reducing costs through established relationships with qualified assessors.

Eligibility Requirements for Used Equipment Finance

Successfully securing used equipment finance requires meeting specific eligibility criteria that demonstrate your business’s capacity to service debt and utilise the financed equipment productively.

Business Operating History

Most lenders require a minimum 12-24 months of continuous business operation with verifiable trading history. This requirement allows lenders to assess your business’s stability, revenue consistency, and management capability.

Newer businesses may still qualify through alternative approaches. Strong personal guarantees from directors with established credit histories can overcome limited trading records. Asset-backed businesses or those with substantial other assets may also receive consideration despite shorter operating periods.

Some specialist lenders offer programs specifically designed for newer businesses, though these typically carry higher rates and may require additional security or guarantees.

Financial Requirements

Annual turnover requirements typically start from $100,000 for smaller equipment loans, scaling upward with facility size. Lenders assess turnover consistency, growth trends, and seasonal variations to understand your business’s capacity to service additional debt.

Financial statements covering the last 1-2 years provide lenders with detailed insights into your business’s financial health. Profit and loss statements, balance sheets, and cash flow statements help assess your ability to meet regular loan repayments while maintaining operational requirements.

Tax returns and business activity statements validate reported income and demonstrate compliance with regulatory obligations. Consistent filing and payment histories strengthen applications significantly.

Credit Assessment

Both business and personal credit histories receive scrutiny during the assessment process. Business credit reports reveal trade payment histories, existing credit facilities, and any adverse events like defaults or court judgments.

Director credit scores impact approval decisions, particularly for smaller businesses where personal and business finances closely intertwine. Strong personal credit can compensate for weaker business credit, while adverse personal credit may require additional security or guarantees.

Existing debt commitments are evaluated to ensure additional equipment finance won’t overextend your business. Debt service coverage ratios help lenders assess whether your business generates sufficient cash flow to service all obligations comfortably.

Application Process and Approval Timeline

Modern equipment finance applications leverage technology to deliver rapid approvals without sacrificing due diligence standards.

Documentation Requirements

Successful applications begin with comprehensive documentation that demonstrates your business’s financial capacity and the equipment’s suitability for financing.

Essential documents include recent financial statements, typically covering the last 1-2 years of operation. Tax returns and business activity statements provide additional verification of reported income and regulatory compliance.

Equipment-specific documentation includes detailed quotes from suppliers, serial number verification, and condition reports for older assets. Maintenance records and service histories strengthen applications by demonstrating proper asset care and remaining useful life.

Business registration documents, director identification, and organisational charts help lenders understand your business structure and decision-making authority.

Approval Timeline

Pre-approval processes can deliver conditional approvals within 2-4 hours for straightforward applications with complete documentation. This preliminary approval provides confidence to negotiate with equipment suppliers while formal processing continues.

Full approval typically occurs within 24-48 hours once all documentation is submitted and equipment details are confirmed. Complex applications or those requiring additional verification may extend to one week, though most commercial deals under $500,000 process rapidly.

Settlement usually follows within 1-3 business days after final approval, enabling payment to vendors and equipment release. Some lenders offer same-day settlement for urgent requirements, though this may incur additional fees.

Streamlining Your Application

Preparation significantly impacts approval speed and success rates. Organise financial documentation before approaching lenders, ensuring statements are current and properly prepared by qualified accountants.

Research equipment suppliers and obtain detailed quotes including serial numbers, condition reports, and delivery terms. Professional presentation demonstrates serious intent and facilitates rapid lender assessment.

Consider engaging equipment finance brokers who maintain relationships with multiple lenders and understand specific lender preferences. Brokers can match your requirements to appropriate lenders and may negotiate better terms through their established relationships.

Tax Benefits of Financing Used Equipment

Interest Deductibility

Interest payments on equipment loans used for business purposes are generally tax deductible, reducing your effective borrowing cost. For businesses in higher tax brackets, this deduction can substantially lower the real cost of financing.

The tax deductible nature of interest means that a 10% equipment loan effectively costs less than 10% for tax-paying businesses. Calculate your after-tax borrowing cost by multiplying the interest rate by (1 minus your marginal tax rate).

Ensure proper documentation linking equipment purchases to business use, as personal or non-business applications may not qualify for tax deductions. Consult qualified tax professionals to understand how interest deductibility applies to your specific taxation position.

Depreciation Benefits

Used equipment purchases typically qualify for depreciation deductions based on the asset’s remaining useful life. Different equipment types have prescribed depreciation rates reflecting their expected economic lifespan.

Small businesses may qualify for immediate asset write-offs allowing full cost deduction in the first year for eligible equipment under specified value thresholds. These provisions change periodically, so verify current limits with tax professionals.

Chattel mortgages offer immediate depreciation benefits since your business owns the equipment from purchase. Leases and hire purchase arrangements may alter depreciation timing and methods, potentially affecting your tax planning strategy.

GST Considerations

Businesses registered for GST can typically claim input tax credits on equipment purchases, regardless of the financing method chosen. Chattel mortgages allow immediate GST credit claims on the full purchase value, improving cash flow compared to lease arrangements where credits may be claimed over time.

The ability to recover GST immediately can significantly reduce the effective equipment cost, particularly for larger purchases where GST amounts become substantial.

This information does not constitute tax advice, and businesses should consult qualified tax professionals to understand how equipment financing impacts their individual circumstances and optimal tax planning strategies.

Advantages and Disadvantages of Financing Used Equipment

Key Advantages

Preserved Working Capital: Financing spreads equipment costs over time, preserving cash for inventory, payroll, and operational requirements that cannot be financed. This cash flow management often proves more valuable than any interest savings from outright purchase.

Lower Purchase Prices: Used equipment typically costs 30-60% less than comparable new assets, allowing businesses to acquire higher-quality machinery within budget constraints or purchase multiple units for the same investment.

Immediate Availability: Pre-owned equipment eliminates lengthy new equipment lead times, enabling rapid capacity expansion or urgent replacement of failed machinery. This availability advantage often outweighs higher borrowing costs.

Proven Performance: Established equipment has demonstrated reliability and performance in real-world conditions. Previous operational history can actually provide greater confidence than untested new machinery.

Reduced Depreciation Impact: Used assets have already absorbed their steepest depreciation, providing more predictable residual values and lower ongoing depreciation charges.

Potential Disadvantages

Higher Interest Rates: Used equipment consistently attracts higher rates than new asset financing, typically 2-5 percentage points above new equipment rates depending on age and condition.

Shorter Remaining Useful Life: Pre-owned equipment provides fewer productive years, potentially requiring earlier replacement and higher annual ownership costs despite lower purchase prices.

Limited Warranty Coverage: Most used equipment sales are “as is, where is,” transferring mechanical risk to purchasers. Extended warranties may be available but add to total ownership costs.

Higher Maintenance Requirements: Older equipment typically requires more frequent maintenance and repairs, increasing operational costs and potential downtime exposure.

Financing Term Limitations: Lenders often require shorter repayment periods for used equipment, resulting in higher monthly repayments despite lower purchase prices.

Factor	Used Equipment	New Equipment
Purchase Price	30-60% lower	Full retail price
Interest Rates	7-18% p.a.	3.5-6% p.a.
Availability	Immediate	3-12 month lead times
Warranty	Limited/none	Full manufacturer warranty
Maintenance Costs	Higher	Lower initially
Depreciation	Slower	Rapid in first years

Specialist Lenders vs Traditional Banks

The equipment finance market includes diverse lender types, each offering distinct advantages depending on your business circumstances and requirements.

Traditional Bank Advantages

Major banks typically offer the most competitive interest rates for well-qualified borrowers with strong credit criteria and established banking relationships. Their lower cost of funds enables aggressive pricing for prime customers.

Comprehensive banking relationships can simplify facility management when your equipment loan integrates with existing transaction accounts, business credit cards, and other banking services. Single-relationship management reduces administrative complexity.

Banks often provide larger facility limits for substantial equipment purchases or multiple asset acquisitions. Their capital base enables million-dollar facilities that may exceed specialist lender appetites.

Specialist Lender Benefits

Equipment finance specialists often provide faster approval times, with decisions within hours rather than weeks. Their streamlined processes and automated assessment systems prioritise speed without compromising thoroughness.

Flexible lending criteria allow specialists to approve applications that traditional banks might decline. They often accept older equipment, weaker credit histories, and non-standard business structures that banks find challenging.

Industry expertise enables specialists to understand equipment values, depreciation patterns, and resale markets better than generalist lenders. This knowledge translates to more informed lending decisions and potentially better terms.

Tailored repayment structures including seasonal payment plans, step-up schedules, and balloon payment options provide flexibility for businesses with variable cash flows or specific operational requirements.

Equipment Finance Brokers

Professional brokers maintain relationships with multiple lenders, enabling them to match your requirements to the most suitable funding source. Their market knowledge helps identify lenders most likely to approve your specific application.

Brokers can negotiate on your behalf, potentially securing better rates or terms than direct applications. Their volume relationships sometimes unlock pricing advantages unavailable to individual borrowers.

Application management services reduce your administrative burden while ensuring presentations meet each lender’s specific requirements. This professional approach often improves approval odds and processing speed.

The best deal may not always come from the obvious source. Compare offerings from banks, specialists, and brokers to ensure you secure optimal terms for your specific circumstances.

Industries Commonly Using Used Equipment Finance

Construction and Earthmoving

Construction companies frequently finance used excavators, bulldozers, cranes, and compactors to manage project-specific requirements without massive capital outlays. Equipment aged 5-10 years from manufacturers like Caterpillar, Komatsu, and John Deere represents the sweet spot for financing availability and performance reliability.

Project-based businesses benefit from financing flexibility, as equipment loans can be structured to align with project timelines and cash flows. The ability to finance multiple units enables rapid scaling for large contracts without depleting working capital.

Manufacturing Operations

Manufacturers commonly finance used CNC machines, packaging equipment, and automated production systems to expand capacity or replace aging machinery. Equipment from established manufacturers often retains strong financing appeal due to robust construction and active resale markets.

Production equipment financing enables manufacturers to respond quickly to order increases or new product opportunities without waiting for new machinery delivery. The immediate availability of used equipment can provide competitive advantages in dynamic markets.

Transport and Logistics

Fleet operators regularly finance used trucks, trailers, and specialised transport equipment to maintain competitive service levels while managing capital efficiency. Commercial vehicles from brands like Scania, Volvo, and Mercedes-Benz are commonly accepted by lenders.

Vehicle and equipment finance enables fleet expansion aligned with customer demand without requiring substantial upfront investment. Financing terms can be structured to match vehicle depreciation and replacement cycles.

Agricultural Operations

Farmers and agricultural businesses frequently finance used tractors, harvesters, and specialised farming equipment to manage seasonal cash flows and operational requirements. Equipment from manufacturers like John Deere, Case IH, and New Holland maintains strong financing appeal.

Seasonal businesses particularly benefit from financing that preserves cash during low-income periods while enabling access to essential equipment for productive seasons. Payment schedules can sometimes be tailored to align with seasonal income patterns.

Healthcare and Medical Practices

Medical and dental practices often finance used imaging equipment, surgical instruments, and practice fit-out equipment to establish or expand service capabilities. Professional-grade equipment maintains value and financing appeal despite technological advancement.

Healthcare equipment financing enables practices to offer advanced services without massive capital investment, improving patient care while maintaining financial flexibility for other practice needs.

Finance Used Equipment FAQ

What is the maximum age of equipment that can be financed?

Most lenders accept equipment up to 10-15 years old depending on type and condition. Heavy machinery may qualify up to 15 years, while technology equipment typically has 5-7 year limits. Specialist lenders may consider older assets with adjusted terms and pricing.

Can I finance equipment without a deposit?

Yes, many lenders offer 100% financing for approved used equipment purchases. However, weaker credit applications may require deposits to reduce lender risk and improve approval odds.

What happens if the equipment breaks down during the loan term?

You remain responsible for regular loan repayments regardless of equipment condition. The loan agreement continues independently of equipment performance, making insurance coverage highly recommended for valuable assets.

Can I trade in my current equipment as part of the financing?

Yes, trade-in values can often be applied as deposits or to reduce the finance amount required. This approach can improve cash flow and simplify equipment replacement processes.

How long does the approval process take for used equipment finance?

Pre-approval typically takes 2-4 hours for complete applications. Full approval usually occurs within 24-48 hours once equipment details are confirmed and documentation is verified.

What if I want to pay out the loan early?

Early payout is usually permitted but may incur break fees equivalent to 1-3 months’ interest on the outstanding balance. Calculate whether interest savings exceed break fees before proceeding.

Do I need to provide equipment valuations?

Professional valuations may be required for high-value equipment over $100,000 or assets with incomplete service records. Lenders often have preferred valuation providers to streamline this process.

Can sole traders access used equipment financing?

Yes, sole traders can qualify for used equipment financing provided they meet income, credit, and documentation requirements. Some lenders specialise in supporting smaller business structures.

Is equipment insurance mandatory?

While not always legally required, comprehensive insurance is strongly recommended and sometimes mandated by lenders. Insurance protects both borrower and lender interests in case of theft, damage, or mechanical failure.

Can I finance equipment purchased privately?

Some lenders accept private purchases, though dealer or auction house sources are generally preferred. Private sales may attract higher rates or additional verification requirements due to increased risk perceptions.

Used equipment financing represents a powerful tool for businesses seeking to acquire essential assets while preserving working capital for growth and operational needs. The combination of lower purchase prices, immediate availability, and flexible financing structures makes pre-owned equipment an attractive alternative to new asset purchases.

Success in securing optimal equipment finance depends on understanding your options, preparing comprehensive applications, and selecting lenders aligned with your business requirements. Whether you choose chattel mortgages for immediate ownership, equipment leases for predictable payments, or hire purchase for gradual ownership transfer, the key lies in matching financing structure to your business strategy.

The equipment finance market continues evolving with technological advances enabling faster approvals and more sophisticated risk assessment. Businesses that understand these financing options position themselves to capitalise on equipment opportunities while maintaining the financial flexibility essential for sustainable business growth.

Woodward Finance Case Study: Helping a Civil Contractor Secure Funding for Used Excavators and a Tipper Truck

At Woodward Finance, we recently assisted a civil contracting business based in regional NSW that urgently needed to upgrade its fleet with two used excavators and a second-hand tipper truck. The client had found well-maintained machinery through a reputable dealer, but didn’t want to dip into working capital or face long delays waiting for new stock.

They were concerned about whether the equipment age, between 7 and 10 years, would be eligible for finance. Adding to the challenge, their business had only been trading under its current ABN for just over 18 months, and their accountant-prepared financials weren’t yet finalised.

Our solution:

• We arranged no-deposit chattel mortgage finance for all three pieces of equipment.
• Sourced from a non-bank lender who specialises in used asset finance, the deal was structured with:
  • 60-month term
  • Balloon payment option to reduce monthly repayments
  • Funding approval within 48 hours
• We used recent bank statements and BAS summaries in place of full financials, allowing the application to proceed quickly.

The result?
The client was able to secure all three assets without upfront costs, keep their working capital intact, and get on site within the same week.

This case highlights how used equipment finance can empower businesses to grow quickly — even when traditional financial documents aren’t readily available.

Need help financing pre-owned assets?

Contact Kim at Woodward Finance today for fast, flexible solutions tailored to your industry and business goals.