Equipment Finance Australia
Power your business growth with flexible equipment financing. We compare 50+ banks and lenders to find the best rates for machinery, tools, and business equipment across Australia.
Equipment We Finance
Manufacturing
- CNC Machines
- Production Lines
- Industrial Equipment
Construction
- Excavators
- Loaders
- Cranes
Agriculture
- Tractors
- Harvesters
- Irrigation Systems
Trade & Services
- Tools & Machinery
- Vehicles
- IT Equipment
Equipment Finance Options
Choose the financing structure that best suits your business needs and tax situation.
Chattel Mortgage
Own the equipment from day one. Ideal for businesses wanting to claim GST credits upfront and depreciation benefits.
- Claim GST immediately
- Depreciation benefits
- Balloon payment option
Finance Lease
Lease the equipment with options at the end. Great for businesses wanting to keep equipment off the balance sheet.
- 100% tax-deductible payments
- Off-balance sheet option
- Flexible end options
Rent to Own
Simple rental agreement with ownership at the end. Perfect for businesses wanting predictable payments and eventual ownership.
- Fixed regular payments
- Own at end of term
- Simple structure
Equipment Finance FAQs
What types of equipment can I finance?
You can finance almost any business equipment including construction machinery, manufacturing equipment, medical devices, IT infrastructure, agricultural machinery, forklifts, cranes, and more. Both new and used equipment qualify for financing.
How does equipment finance work in Australia?
Equipment finance allows businesses to acquire machinery and equipment without paying the full purchase price upfront. You make regular repayments over an agreed term (typically 1-7 years), and depending on the finance type, you may own the equipment at the end or have options to upgrade.
What's the difference between equipment loan and lease?
An equipment loan means you own the asset from day one and build equity with each payment. A lease means you rent the equipment with options to purchase, return, or upgrade at the end. Leases often have tax advantages as payments may be fully deductible.
Can I claim tax deductions on equipment finance?
Yes, equipment finance offers significant tax benefits. Interest payments are generally tax-deductible, and you may be eligible for instant asset write-off provisions. Lease payments are often fully deductible as operating expenses. Consult your accountant for specific guidance.
What deposit do I need for equipment finance?
Many equipment finance options require no deposit, especially for established businesses with good credit. Some lenders may require 10-20% for newer businesses or higher-risk equipment. We can help you find low or no-deposit options.