Buying equipment for your business

A single machine, a full fit-out, or a fleet upgrade. The way you finance business gear changes your cash flow and your tax position. We structure it with both in view, so you can keep the business running.

Is this right for you?

Who we help finance the gear their business runs on

You're buying a machine or upgrading your gear

A single item or a full fit-out. We match the finance to the asset and to the lender who lends on it.

You want it structured the right way for tax

A chattel mortgage, a lease, and hire purchase are each taxed differently. Our accountants and brokers set it up with the tax position in view.

You don't want to tie up your working capital

Financing the gear keeps cash in the business. We read the repayments against the way the business actually runs.

You're financing a truck, trailer, or heavy vehicle

Heavy vehicles and yellow goods have their own lenders and their own rules. We know who lends on what.

You're self-employed or newer to business

Some lenders want years of trading before they'll fund equipment. We know the ones who look at newer ABNs and lend on the asset.

How It Works

A clear path from a quote to the gear on your floor

Work Out The Asset

New or used, single item or full fit-out. We confirm what you're buying and how the business will use it.

Get Your Quote And Structure

We quote your repayments across lenders and set the finance up the right way for cash flow and tax.

Get Approved

We lodge the application and manage it through to approval. You'll know exactly where you stand.

Put It To Work

We coordinate settlement with the supplier. The paperwork is handled, the gear goes to work.

Frequently Asked Questions

What's the difference between a chattel mortgage, a lease, and hire purchase?

They differ in who owns the asset and how each is treated for tax. With a chattel mortgage your business owns the gear from day one. With a lease the financier owns it and you pay to use it. Hire purchase sits in between. The right one depends on your cash flow and your tax position, which is why we read the finance and the tax together before you choose.

Can I claim the GST back on equipment finance?

If your business is registered for GST, the finance structure you choose affects how and when GST is treated. A chattel mortgage is handled differently from a lease, and the timing matters. The Australian Taxation Office sets how each structure is treated for GST. Because our accountants and brokers work under one roof, we structure the finance with your BAS and GST position already in view.

What is a balloon or residual payment on equipment finance?

A balloon, sometimes called a residual, is an amount left owing at the end of the term. It lowers your repayments along the way, but you still owe that sum at the end. It can help cash flow, or it can catch you out if the gear is worth less than the residual by then. We show you the full cost with and without one.

Can I finance used or second-hand equipment?

Yes. Used machinery, ex-demo gear, and private-sale equipment can all be financed, though the age and type of the asset change which lenders will lend and on what terms. Older or specialised gear narrows the field. We know which lenders fund which assets, so we point you to the ones that lend on the equipment you are actually buying.

Does the instant asset write-off apply if I finance the equipment?

Financing the asset does not usually stop you claiming it, but eligibility depends on the scheme rules in force that year and your business circumstances. The instant asset write-off has changed several times, and thresholds move. The Australian Taxation Office sets the current rules. We confirm what applies to your situation before you buy, so the timing of the purchase works for your return.

BUYING EQUIPMENT FOR YOUR BUSINESS?

Have a conversation with us. We’ll give you a quote and tell you clearly where you stand.