Equipment Finance for Growing Businesses
Get the equipment you need without draining your cash reserves. We find tax-effective finance that works for your business.
Construction, medical, hospitality, technology—whatever your industry, we have lending options from 20+ finance providers.
Equipment We Finance
From heavy machinery to coffee machines—if it helps your business, we can likely finance it.
Construction & Trades
Excavators, bobcats, scaffolding, power tools, and more. Keep your projects moving with the right equipment.
- Excavators & earthmoving
- Scaffolding & lifts
- Power tools & compressors
- Trailers & site equipment
Medical & Dental
Chairs, imaging equipment, sterilisation systems. Finance the tools that keep your practice running.
- Dental chairs & equipment
- Medical imaging
- Surgical instruments
- Practice fit-outs
Hospitality & Retail
Coffee machines, ovens, POS systems, refrigeration. Equip your venue without depleting cash reserves.
- Commercial coffee machines
- Kitchen equipment
- Refrigeration & display
- POS & technology
Don't see your equipment type? Contact us—we finance almost everything.
Finance Structures
Different structures suit different businesses. We'll help you choose the most tax-effective option.
Chattel Mortgage
You own the asset from day one. Interest and depreciation are tax-deductible for business use.
- Own the asset immediately
- Claim GST upfront
- Depreciation deductions
- Flexible balloon options
Best for:
GST-registered businesses wanting ownership
Finance Lease
Lease the equipment with the option to purchase at the end. 100% of payments are tax-deductible.
- Lower upfront costs
- Payments fully deductible
- Upgrade flexibility
- Off balance sheet option
Best for:
Businesses prioritising cash flow
Rental / Operating Lease
Rent equipment for a fixed period with no ownership obligation. Return, upgrade, or purchase at end.
- No ownership risk
- Include maintenance
- Easy upgrades
- Predictable costs
Best for:
Technology that dates quickly
Why Finance Equipment?
Smart businesses use finance to grow without cash constraints. Here's why it makes sense.
Tax Benefits
Claim GST credits upfront, deduct interest and depreciation. We help structure finance for maximum tax efficiency.
Preserve Cash Flow
Keep working capital for operations instead of tying it up in equipment. Spread the cost over the asset's useful life.
Grow Your Business
Don't let cash constraints limit growth. Finance the equipment you need to take on bigger projects.
All Equipment Types
From $5,000 to $5 million+. We finance almost any equipment for any industry.
Calculate Your Tax Savings
A chattel mortgage can provide significant tax benefits for business equipment. Use our calculator to see how depreciation and interest deductions could reduce your effective cost.
Chattel Mortgage CalculatorExample: $80,000 Equipment
*Based on 32.5% tax bracket. Actual savings depend on your circumstances. Consult your accountant.
Equipment Finance FAQs
What's the minimum loan amount?
Most lenders start from $5,000-$10,000. For smaller amounts, a business credit line might be more cost-effective. We'll advise on the best option.
How long does approval take?
For straightforward applications with good financials, often same-day or next-day. Larger amounts or complex situations may take a few days for full assessment.
Can I finance second-hand equipment?
Yes, we finance used equipment. Lenders typically assess the asset's condition, remaining useful life, and value. A valuation may be required for higher amounts.
What documents do I need?
Typically: Business financials (BAS, tax returns), bank statements, ID, and a quote for the equipment. For newer businesses, we may need more detail. We'll guide you through it.
Chattel mortgage vs lease—which is better?
It depends on your situation. Chattel mortgage suits GST-registered businesses wanting ownership and GST credits. Leases suit businesses prioritising lower payments or who want to keep assets off the balance sheet. We'll explain the pros and cons.
Ready to Finance Your Equipment?
Get a free quote and compare options from 20+ lenders. We'll find the most tax-effective structure for your business.
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