Recovery Funding Options

Finance is provided by Equipped Commercial Finance and/or its authorised lending partners. Disaster Recovery is not the lender.

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EquippedFinance partner

Commercial & equipmentFocus

Business dayTypical response

Who this is for

If your business has been affected by water damage, fire, storm, mould, or biohazard events, you may need funding before the insurer resolves the claim. Cash flow can be the difference between resuming operations this week and waiting months. Our finance partner, Equipped Commercial Finance, specialises in:

Equipment finance for trucks, trailers, earthmoving, agricultural and manufacturing assets
Commercial finance for ABN holders (cars, vans, utility vehicles, fit-out)
Commercial property, business overdrafts, lines of credit, invoice and trade finance

The damaged or replacement equipment can often be used as collateral, which may speed up the process and sharpen the rate. All credit assessments, disclosures and approvals are handled by Equipped or its authorised lending partners — not by Disaster Recovery.

How the referral works

You submit a short referral form — name, phone, email, postcode, whether you're a business or household, the job context, and a rough funding range. That's all we ask on our side.
We pass your referral securely to Equipped — with a signed, single-use token and your explicit consent to share the data.
Equipped runs their application and decision — affordability, disclosures and the credit decision all happen inside their regulated environment, not ours.
If approved, funds are directed to the approved recovery work — typically paid to the contractor or supplier under your authority, not held by Disaster Recovery.

What we will not do

We are a referrer, not a lender or credit assistance provider. That means we will not:

Assess whether a loan is suitable or affordable for you
Recommend a specific product, rate or term
Promise that finance will be approved
Ask for income, bank statements, liabilities or credit history
Receive or hold loan proceeds in our operating account

All of the above is handled by Equipped Commercial Finance and/or its authorised lending partners, who are bound by their own regulatory obligations.

Disclosures

Disaster Recovery is a referrer under reg 25 of the National Consumer Credit Protection Regulations 2010 (Cth). A referral fee may be paid to Disaster Recovery by Equipped Commercial Finance when a referral results in a funded transaction. That fee does not come out of your loan amount and does not change the price you pay for the finance. The referral fee amount will be disclosed before you submit the form.

Any credit or finance decision is made solely by Equipped Commercial Finance and/or its authorised lending partners. Disaster Recovery does not and cannot guarantee any finance outcome.

This is a Phase 1 referral service for Australian businesses. New Zealand and household consumer pathways will be added once the relevant regulatory and partner arrangements are in place.

You May Also Need

Related services and resources for your situation

How Disaster Recovery worksSix steps from damage to restoration — where finance fits in the journey.For business ownersWhy business owners get work started before insurer sign-off.Contact usTalk to our team before starting a referral.

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