A Master Limit Facility is a pre-approved credit limit you can draw down on over time - ideal for businesses that finance equipment frequently. Rather than applying for finance with every new asset, you're given a revolving facility to fund assets as needed.
When your business is growing fast and equipment needs change month to month, a Master Limit gives you the flexibility to move quickly - without reapplying every time. It’s a powerful finance facility designed for businesses making multiple purchases throughout the year, providing a pre-approved credit limit you can draw down on as needed.
Whether you're managing fleet upgrades, onboarding new projects, or scaling operations, a Master Limit gives you control, speed, and certainty.
What is a Master Limit?
A Master Limit is a pre-approved funding facility that allows you to purchase multiple assets - across different suppliers, asset types, and finance products - under one umbrella approval. Instead of submitting a new application every time, you get a set limit (e.g. $250k, $1M, $20M+) which you can access as needed, with drawdowns processed quickly.
It’s like a business credit line for equipment, tailored specifically to your procurement plans.
Why Choose a Master Limit?
- One approval for multiple equipment purchases
- Draw down only what you need, when you need it
- Fast turnaround for future purchases - no delays
- Suits mixed asset types and suppliers
- Flexible structures (chattel mortgage, lease, or rent-to-buy) under one limit
- Reduces paperwork, improves planning, and speeds up delivery timelines
A Master Limit is ideal for businesses that expect to purchase multiple trucks, earthmoving machines, trailers, or plant and equipment over a 6–12 month period.
Who Is It For?
- Growing businesses planning multiple acquisitions
- Fleet managers coordinating new site rollouts or contract wins
- Companies wanting to streamline equipment procurement
- Operators managing seasonal, project-based or staggered growth
- Buyers working with multiple dealers or suppliers
If you're bidding on tenders, expanding into new contracts, or simply prefer faster equipment access without constant reapproval, a Master Limit puts you in control.
How It Works
- We assess your business and arrange a pre-approved limit
- Once approved, you can draw down funds for equipment purchases as needed
- Each drawdown can have its own structure (e.g. chattel mortgage, finance lease)
- We manage approvals and documentation in the background - fast
- Top-ups or extensions can be arranged as your needs evolve
Typical facilities range from $150k to $5M+, depending on your size, turnover, and equipment pipeline.
Why Mako?
At Mako, we work with growing operators and established businesses to structure Master Limits that support scale, flexibility, and strategic procurement. Our industry knowledge and lender relationships mean we can tailor a facility that works for your business today - and supports your plans for tomorrow.
Need a Master Limit for upcoming equipment purchases?
Talk to our team today and we’ll structure a facility that keeps you one step ahead.
