Fund Your Equipment Without Draining Your Cash

Yes. Many lenders finance new and used equipment. The maximum age of the asset at end of term varies by lender and asset type — usually 10–15 years for vehicles, longer for plant. We'll identify which lenders will accept the specific asset you want to finance.

Many lenders approve equipment finance within 4–24 hours for assets under $150K with a clean credit profile. Larger or specialist assets may take 2–5 business days. We prepare your application accurately the first time to avoid delays.

With a chattel mortgage you own the asset from day one — you can claim GST upfront and depreciate the asset. With a finance lease the lender owns it and you lease it — all lease payments are fully deductible as operating expenses. The right choice depends on your tax position, cash flow needs, and whether you want to own the asset. We'll advise.

Yes, equipment finance is often accessible for newer businesses because the asset itself provides security. Some lenders will approve equipment loans with as little as 3–6 months of trading history, particularly for vehicles and common business equipment. Good personal credit helps significantly.