Flexicommercial: equipment finance from the humm Group, via brokers

Flexicommercial is the business equipment lender inside humm Group, and the most important thing to know about it is how you reach it: as at October 2026 it deals only with accredited brokers, having stopped lending directly to businesses.

Its pitch to brokers is refreshingly blunt. Flexicommercial says it brings more than 40 years of experience and wants the deals other lenders “deem too hard”: unusual assets, low-doc files, and applications that need someone to actually sit down and assess them. This profile sets out what it publishes, what that means for you, and what to try if it isn’t the right lender.

What does Flexicommercial fund?

Flexicommercial keeps its definition wide. Its FAQs say it will consider almost any equipment that is critical to the normal operations of an Australian business. It also lists business-critical software, which is worth noting because many asset lenders won’t touch anything without a serial number and resale value.

In practice that spans:

• production and workshop machinery for manufacturers and trades
• IT hardware, phone systems and the software that runs on them
• clinic and practice equipment, from dental chairs to imaging gear
• hospitality fit-out equipment such as ovens, refrigeration and point-of-sale systems
• the oddities: specialised or “quirky” assets that don’t fit a standard lender’s asset list

Flexicommercial doesn’t publish amount ranges, terms or the specific contract types it writes. Your broker will tell you whether a deal is being written as a loan, a lease or a rental. The differences matter for tax and ownership, and our finance lease vs operating lease comparison is a good primer before that conversation.

What will it cost? The fee schedule explained

Rates aren’t advertised (we wouldn’t repeat them anyway), but Flexicommercial does publish a schedule of fees. Here is what it lists, with what each fee means in real life:

Fee	Amount	When you’d pay it
Establishment fee, accredited supplier	$495	At the start, if you buy from a supplier Flexicommercial has accredited
Establishment fee, unaccredited supplier	$745	At the start, if your supplier isn’t accredited
Dishonour fee	$30	Each time a direct debit bounces
Suspend payment fee	$30	If you ask to pause a repayment
Payment date change fee	$25	After the first change, which is free
Variation fee	$200	If the contract is changed
Guarantor removal fee	$200	To release a guarantor
Partial payout fee	$749	To pay out part of the contract early
Novation of contract fee	$749	To transfer the contract to someone else, such as a buyer of your business

Two practical lessons fall out of that table. First, ask your supplier whether they’re accredited with Flexicommercial: buying from one saves $250 before you’ve made a single repayment. Second, if you might sell the business within the term, the $749 novation fee is part of your exit cost, along with any payout figure. Our glossary entry on the establishment fee explains how upfront charges change the true cost of small-ticket finance.

Comparing a Flexicommercial quote with another lender’s? Our loan cost comparison calculator puts the total dollars side by side.

If you’d like help working out which equipment lender suits your asset and paperwork, send us a short enquiry. It doesn’t involve a credit check.

Who is it likely to suit?

Flexicommercial makes most sense for:

• Businesses buying assets other lenders won’t classify, such as niche machinery or software-heavy systems
• Owners with lighter paperwork, where a broker needs a lender willing to look past standard full-doc checklists. Our low doc business loans explainer covers what lenders usually accept instead of full financials
• Businesses buying through an accredited supplier, where the paperwork is smoother and the establishment fee is lower

It is a weaker match if you want to deal directly with a lender, if you need working capital rather than equipment, or if you want large-ticket finance for heavy vehicles and earthmoving gear, where dedicated truck and plant lenders often compete harder.

Questions to ask your broker about a Flexicommercial deal

• Is my supplier accredited, and which establishment fee applies?
• Is this a loan, a lease or a rental, and does the gear become mine when it finishes?
• Is there a residual or balloon, and how much is it in dollars?
• What’s the payout figure at 12, 24 and 36 months?
• Will a personal guarantee be required, and can it be removed later?

If Flexicommercial declines, what next?

Equipment finance declines often turn on the asset rather than the borrower. If it’s a hard-to-value asset, a lender that funds the full purchase through an unsecured business loan might be simpler. Owners sitting on valuable gear can unlock its value through a sale and leaseback. Where a patchy credit history caused the decline, our guide to bad credit business loans is the place to begin.

Other equipment lenders with profiles in this directory include Grenke, The Asset Financier and Dynamoney.

Got a deal that others called too hard? Tell us about it

Flexicommercial’s whole pitch is that awkward deals deserve a proper look. We feel the same way. Most of the files that reach us have already heard a no somewhere, and the right lender often turns up once someone looks at the full picture.

The enquiry form takes roughly a minute. It won’t show up on your credit report, and we never broadcast it to a crowd of lenders behind your back. A member of our team goes over the detail personally and gives you a ring. Be exact about the asset, its price and how long you’ve traded; that’s what lets us get the recommendation right straight away.

Get a real person on my equipment deal →