Flexible financing solutions to acquire the equipment your business needs. Preserve working capital whilst accessing manufacturing, medical, technology, and construction equipment.
CNC, machinery
Diagnostic, dental
Servers, IT systems
Earthmoving, tools
Preserve cash flow and access the tools your business needs to grow.
Keep working capital available for operations, inventory, and growth opportunities.
Claim deductions for interest, depreciation, and instant asset write-off schemes.
Upgrade equipment regularly without large capital outlays.
Fixed monthly payments make budgeting and forecasting easier.
From manufacturing machinery to medical equipment, we finance virtually all business equipment categories.
Finance for machinery that powers your production line and increases capacity.
Specialist finance for diagnostic, dental, and practice management equipment.
Keep your technology current with flexible upgrade options and operating leases.
Complete kitchen fitouts and equipment for restaurants, cafes, and hotels.
Finance for builders, electricians, plumbers, and trades businesses.
Fleet and logistics equipment for trucking and distribution businesses.
Different equipment types and business circumstances suit different finance structures. We help you determine which approach delivers the best outcome.
Own from day one. Claim GST immediately and maximise depreciation deductions. Ideal for GST-registered businesses.
Ownership transfers at end of term. Lease payments fully tax deductible. May stay off balance sheet.
True rental arrangement. Perfect for technology requiring frequent upgrades. Return, upgrade, or purchase at end.
Fixed payments with ownership at end. Interest and depreciation deductible. Simple, straightforward structure.
See how businesses have successfully used equipment finance to grow their operations.
Manufacturing business secured a major contract requiring new CNC machining capability. We structured a 5-year chattel mortgage with 30% balloon to preserve working capital for the contract ramp-up.
GP practice wanted diagnostic imaging capability without technology obsolescence risk. We structured a 5-year operating lease with upgrade option, keeping equipment off balance sheet.
Equipment finance delivers significant tax advantages, reducing your after-tax cost of acquisition.
Our streamlined process delivers fast approvals whilst gathering the information lenders require.
Discuss your equipment needs, finance options, and preliminary assessment. Same day turnaround.
Complete application with equipment quote, financial statements, and business documentation. 1-2 days.
Lender reviews application and may request additional information. 2-5 days typical.
Sign documents, funds released to supplier, equipment delivered. Total timeline 5-12 business days.
Answers to frequently asked questions about equipment finance.
Yes, we regularly finance quality used equipment. Equipment under 5 years old typically presents minimal issues. Older equipment may require larger deposits or attract higher rates.
Many equipment finance arrangements require no deposit for new equipment. Used equipment typically requires 10-20% deposit. Providing a deposit can reduce interest rates.
Yes, most lenders allow "soft costs" including delivery, installation, training, and extended warranties to be included. Typically up to 15-20% of equipment cost.
Equipment finance generally allows early termination. Costs include remaining principal, accrued interest, and typically 1-3 months' early termination fee.
Equipment finance rates are often more competitive than unsecured loans (6.5-12%) because equipment serves as security. Vendor programmes may offer even lower promotional rates.
Yes, refinancing is common if rates have improved or your financial position has strengthened. We calculate break costs vs savings to determine if refinancing is worthwhile.
Let's discuss your equipment needs and structure a finance solution that preserves your working capital whilst providing the tools your business needs to succeed.
Or call 03 9020 2699 to speak with our team
