Equipment Finance Broker for Australian Businesses

A chattel mortgage gives you ownership from day one and the GST benefit upfront. Hire purchase spreads ownership over the term. A lease keeps the equipment on the lender's books with set payments and an optional residual. A broker's value here is matching the structure to your tax position and to the lender most comfortable writing it, rather than defaulting to whichever single product is offered first.

Yes, equipment repayments can be structured around seasonal income, with seasonal and skip-month structures common for businesses whose income runs against harvest, project or contract cycles. Not every lender offers them, so a broker filters the panel down to those that do before the application goes anywhere.

Most business equipment is not classed as a car for ATO purposes, so it generally is not subject to the car cost limit, and a chattel mortgage lets you claim the GST upfront. Your accountant should confirm your position and the current write-off thresholds. Where the lender allows it, a broker can also time settlement around your financial year.

Yes, equipment you already own can be refinanced or funded through a sale-and-leaseback. Refinance can lower your rate or restructure a balloon that is falling due, and sale-and-leaseback releases equity in equipment you own outright to fund the next purchase. Appetite for both varies widely between lenders, which is exactly what a panel comparison is for.

Yes, balloon and residual payments are available on equipment finance, lowering your monthly repayment by deferring part of the value to the end of the term. Lenders differ on the maximum balloon they will allow against a given asset age, so a broker sets it against your replacement cycle rather than against the first offer on the table.

Pre-approval typically comes back inside a business day. Settlement happens once you have signed contracts and any final lender conditions are met. Running one application across a panel in parallel is usually faster than approaching lenders one after another, because specialist lenders read trading income and contracts directly.

Yes, a business with a short trading history can get equipment finance in Australia when specialist lenders assess the contract, the asset and your industry experience rather than requiring years of trading.

Yes, you can be pre-approved before signing a contract. A conditional pre-approval lets you quote work and commit to equipment knowing the finance is in place, then settle once the contract is signed. Holding a broker pre-approval also gives you a benchmark to hold any dealer or in-house offer against.

Yes, multiple pieces of equipment or a whole fleet can be financed together. Mixed-asset packages are funded under a master facility rather than as separate loans, which simplifies repayments and reporting. They are also where one credit policy is least flexible, because every asset is judged on the same terms instead of matched to the lender that suits it.

An active ABN, recent BAS or bank statements, the equipment details and any contract or purchase order. That is materially less work than preparing a separate application for each lender, because a broker uses one set of documents to approach several. We will confirm exactly what your lender match needs after a quick call.