Whether you need a new truck, industrial machinery, medical equipment, or a fleet of laptops — equipment finance lets you acquire what you need without tying up working capital.
Cash buys flexibility. When you tie it up in a depreciating asset — a truck, a machine, a fit-out — you lose the ability to respond to opportunities or absorb the unexpected. Equipment finance lets you use the asset immediately while spreading the cost over its working life.
There are real tax advantages too. The right structure — chattel mortgage, finance lease, or operating lease — can give you significant deductions on interest, depreciation, and GST. We'll work with your accountant to make sure the structure makes sense for your specific situation.
Equipment finance means you're not draining your operating account for a major purchase. Cash stays where it earns — in the business.
The right product can allow you to claim GST upfront, deduct interest, and accelerate depreciation. We'll help you choose the structure that works best for your tax position.
Seasonal business? Variable income? We structure repayments to match how your money actually flows — not a generic monthly schedule that doesn't suit your business.
From a single piece of machinery to an entire fleet — here are the asset types we work with most.
Trucks, vans, utes, forklifts — single vehicles or whole fleets. We work with lenders who specialise in commercial vehicle finance and understand how business transport actually works.
Excavators, cranes, manufacturing equipment, processing plant — we finance heavy assets for construction, agriculture, and industrial businesses. New and used.
Imaging equipment, dental chairs, surgical technology — medical equipment is expensive, depreciates slowly, and is ideal for equipment finance. We work with lenders who understand the healthcare sector.
Servers, workstations, point-of-sale systems, software — technology has a short useful life, which makes an operating lease or finance lease often smarter than ownership.
Commercial kitchen equipment, fit-out costs, refrigeration systems — hospitality and retail fit-outs can be financed without tying up all your opening capital.
If it's a physical asset used in your business, there's likely a finance product for it. Solar systems, trailers, specialised equipment — ask us if you're not sure.
There's no one-size-fits-all in equipment finance. Here are the main structures and when each one makes sense.
You own the asset from day one. The lender holds a mortgage over it as security. You can claim the GST upfront on your next BAS, claim depreciation and interest, and at the end of the term the security is removed. Best for GST-registered businesses buying assets they intend to keep.
The lender owns the asset, you lease it for an agreed term and pay monthly rentals. You have the option to purchase at the end (residual value). Lease payments are generally tax deductible as a business expense. Good for businesses that want off-balance-sheet treatment.
Similar to a finance lease but without any purchase option. The lender takes on the residual risk. Works well for technology and assets with a short useful life where you want to upgrade regularly rather than own. Payments are fully deductible as an operating expense.
Equipment finance is often faster than other business lending. Here's what to expect.
Asset type, new or used, purchase price, supplier details, and your preferred repayment structure. The more you can tell us, the faster we can move.
We compare lenders across our panel, work out which product (chattel mortgage, finance lease, operating lease) suits your tax position and cash flow, and present you with the options clearly.
Equipment finance can settle quickly — often within days for standard assets. We manage the paperwork and liaise with the supplier or vendor to make the handover smooth.
The questions most business owners ask us first.
Many lenders prefer at least 12–24 months of trading history, but some will consider new businesses — especially if there's a strong personal financial position behind the business or a solid industry background. For start-ups, we'll be honest about what's achievable and guide you to the lenders who are willing to take a broader view.
Yes. Most lenders will finance used equipment, though the age and condition of the asset matter. Generally, the newer and better-maintained the asset, the more lenders will compete for the deal. For older or specialised equipment, the pool of lenders gets smaller — but they exist. We'll tell you what's realistic for the specific asset you're looking at.
It depends on the product. With a chattel mortgage, you can typically claim GST on the purchase price in the first BAS period, then claim interest and depreciation as deductions. With a finance or operating lease, the lease payments are generally deductible as business expenses. The right choice depends on your GST registration, tax position, and whether the asset qualifies for instant asset write-off or accelerated depreciation. We'll flag these considerations and suggest you check them with your accountant before finalising the structure.
Often yes — many lenders will allow soft costs like delivery, installation, and training to be bundled into the finance amount, up to a point. It's asset-specific. We'll confirm what can be included when we put together your application, so you're not hit with out-of-pocket setup costs you weren't expecting.
Tell us what you need and we'll come back with the right structure. Fast approvals, clear terms, no hidden costs. Most enquiries get a response the same day.