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Acquire the machinery, vehicles, and technology your business needs without draining working capital. We match you with optimal finance solutions from our panel of 80+ lenders.
No credit impact, 100% obligation-free, matched across 80+ lenders.
Specialist equipment finance structures tailored to the unique demands and cash flow cycles of your industry.
Excavators, loaders, cranes, scaffolding, and earthmoving equipment. Finance from $10,000 to $5M+ for civil, commercial, and residential projects.
Prime movers, rigid trucks, trailers, vans, and fleet vehicles. Specialist finance for owner-operators through to large fleets with competitive rates.
Diagnostic imaging, dental chairs, surgical instruments, and practice fitouts. Finance solutions designed for medical professionals and clinics.
CNC machines, lathes, injection moulders, packaging lines, and plant equipment. Keep production running with flexible finance terms.
Tractors, harvesters, irrigation systems, and livestock handling. Seasonal repayment structures aligned with farming cash flow cycles.
Commercial kitchens, refrigeration, POS systems, and venue fitouts. Finance the equipment that keeps your hospitality business thriving.
Each structure has distinct ownership, tax, and accounting implications. Choose the right fit for your business.
| Feature | Chattel Mortgage | Finance Lease | Hire Purchase | Rental / Operating Lease |
|---|---|---|---|---|
| Ownership | You own the asset from day one | Lender owns; option to purchase at end | Lender owns; ownership transfers at end | Lender owns; return at end of term |
| GST Treatment | Claim full GST credit upfront on purchase price | GST included in each lease payment | GST included in each instalment | GST included in each rental payment |
| Tax Deductions | Depreciation + interest are deductible | Lease payments fully deductible as operating expense | Depreciation + interest are deductible | Rental payments fully deductible |
| Balance Sheet | Asset appears on your balance sheet | Can be off-balance-sheet (depends on AASB 16) | Asset appears on your balance sheet | Off-balance-sheet treatment |
| Residual / Balloon |
Optional residual to reduce repayments | Residual is standard | Typically no residual | No residual; return the asset |
| Best For | GST-registered businesses wanting ownership and upfront GST credits | Businesses wanting lower repayments and flexibility at end of term | Businesses wanting a simple path to full ownership | Short-term needs or rapidly depreciating technology |
Equipment finance offers significant tax advantages for Australian businesses. Speak with your accountant about which structure suits your scenario.
Eligible businesses may be able to immediately deduct the full cost of qualifying assets under current government provisions, reducing taxable income.
With chattel mortgage and hire purchase structures, you can claim depreciation on the asset over its effective life, reducing your taxable income annually.
Chattel mortgages allow GST-registered businesses to claim the full GST credit on the equipment purchase price in the next BAS, boosting cash flow.
Interest or finance charges on equipment finance are generally tax-deductible as a business expense for chattel mortgages and hire purchases.
Finance lease and rental payments are typically fully deductible as operating expenses, simplifying tax treatment and helping manage cash flow.
Rather than paying cash upfront, equipment finance preserves your working capital for day-to-day operations while still accessing tax benefits.
Use our live calculator to get an indicative repayment figure. Actual rates depend on your business profile and the asset being financed.
Estimate your commercial loan repayments instantly.
A balloon payment reduces your regular repayments, leaving a lump sum due at the end of the term.
Estimated Repayment
Per Month
Rates are subject to lender criteria and business profile. Same-day approvals available.
Everything you need to know about securing equipment finance in Australia.
Equipment finance is a type of commercial lending that allows businesses to acquire machinery, vehicles, technology, and other assets without paying the full purchase price upfront. The equipment itself typically serves as security for the loan, and repayments are spread over the useful life of the asset.
With a chattel mortgage, you own the equipment from day one and can claim GST credits on the purchase price immediately. With a finance lease, the lender owns the equipment and leases it to you, with lease payments treated as operating expenses. Chattel mortgages suit GST-registered businesses wanting ownership, while finance leases suit those wanting to keep assets off-balance-sheet.
Yes, most lenders on our panel finance both new and used equipment. Used equipment typically requires an independent valuation and may have slightly higher interest rates or shorter loan terms depending on the age and condition of the asset.
A residual or balloon payment is a lump sum due at the end of the finance term. Setting a residual reduces your regular repayments during the term, but you will need to pay the residual amount, refinance it, or return the asset at the end. Residuals are common in finance leases and can also be used with chattel mortgages.
Many equipment finance applications are approved within 24 hours. For straightforward applications with established businesses, same-day approval is often possible. More complex deals involving larger amounts or newer businesses may take 2 to 5 business days.
Not always. Many lenders offer 100% finance for equipment purchases, meaning no deposit is required. However, providing a deposit can reduce your repayments and may improve your chances of approval. Some lenders may require a deposit for higher-risk applications or older equipment.
Yes, equipment finance offers several tax benefits. With a chattel mortgage, you can claim depreciation on the asset and deduct interest charges. Finance lease payments are typically fully tax-deductible as an operating expense. The Australian Government's Instant Asset Write-Off scheme may also allow you to immediately deduct the full cost of eligible assets.
Almost any business equipment can be financed, including construction machinery, trucks and vehicles, medical and dental equipment, manufacturing plant, agricultural machinery, IT and technology, hospitality fitouts, office equipment, and more. If the asset has a resale value and a defined useful life, it can generally be financed.
Submit your equipment finance enquiry in under 2 minutes. Our specialist brokers will analyse your profile and return competitive quotes within 2 hours.
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