Finance Lease Australia

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

Finance type

Loan amount

Enter the approximate amount you’d like to finance.

Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

0% 60%

Percentage of the loan left owing as a final lump-sum (balloon / residual).

Estimated repayments

Monthly repayment

$0.00

Approx. weekly

$0.00

Loan amount $0.00

Interest rate 0.00% p.a.

Term 0 months

Balloon / residual $0.00

Total repayable (incl. balloon) $0.00

Estimated interest over term $0.00

This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

A finance lease lets you use business equipment without owning it during the lease term. Lower repayments than a chattel mortgage, with flexible options at the end to purchase, extend, or return. Ideal for businesses that prefer to keep assets off balance sheet or want maximum cash flow flexibility.

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30-second check. No impact on your credit score.

Choose your industry

Choose the category that best describes your finance requirement.

Transport & Logistics

Farming & Agriculture

Construction & Earthmoving

Other

Submitting this form does not lock you into finance.

$50M+ in equipment financed

3x faster decisions than major banks

Dedicated support to find the best solutions

ASIC licensed & regulated

FINANCE LEASE

What Is a Finance Lease and How Does It Work?

Finance leases are popular with businesses that want to maximise cash flow during the lease term, prefer off balance sheet treatment for accounting purposes, or want the flexibility to upgrade equipment at the end of each lease cycle rather than being locked into ownership.

A finance lease is an arrangement where the lender purchases the equipment and leases it to you for a fixed term. You make regular lease payments for the right to use the asset. At the end of the term, you typically have options to purchase the equipment at its residual value, extend the lease, or return it.

Trucks

Semi-Trailers & Trailers

Refrigerated trucks

Excavators & Loaders

Cranes & Site Machinery

Trailer Trucks

Tractors & Harvesters

Yellow Goods

Skid Steers & Access Equipment

Lower regular payments

Because you are not paying down the full asset value during the term, lease payments are typically lower than chattel mortgage repayments. This preserves cash flow for operations.

Lease payments are tax deductible

The full lease payment is generally deductible as a business operating expense. This can provide a simpler tax treatment compared to claiming separate depreciation and interest deductions.

Off balance sheet treatment

Depending on your accounting framework, a finance lease may keep the asset off your balance sheet. This can improve financial ratios and borrowing capacity for other purposes.

Upgrade flexibility at end of term

At the end of the lease, you can purchase the equipment at residual value, extend the lease, or return it and lease newer equipment. This built in flexibility suits businesses that regularly upgrade.

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Trucks and prime movers
Trailers and combinations
Delivery vans and fleet vehicles
Buses and coaches
Refrigerated transport
Light commercial vehicles

Excavators and loaders
Cranes and telehandlers
Concrete equipment
Site vehicles
Compactors and rollers
Access equipment

Tractors and harvesters
Headers and implements
Irrigation systems
Farm vehicles
Livestock equipment
Sprayers and seeders

Forklifts and warehouse
Manufacturing machinery
Medical equipment
IT infrastructure
Office and retail fitout
Printing and packaging

HOW THE PROCESS WORKS

How a Finance Lease Works

A straightforward process.

Complete the Form
In 60 Seconds

Provide us with some basic information about your business and financing requirements via our secure website.

Speak With an
Industry Specialist

Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.

Get Pre-Approved
Over the Phone

Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.

Financing
Secured

Your finance broker will work with you to source the best funding offers available and guide your application to success.

Barinder Singh

Transport Operator

Non-property owner

No deposit

24hr turnaround

2025 Tipper Trailer

Transport

$150,000

Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.

Get a Quote Like This

2005 CAT Excavator

Contractor

$60,000

Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in

Get a Quote Like This

Bradley Moore

Owner-Driver

Private sale

Low Doc

24hr approval

2019 Scania Truck

Contractor

$100,000

Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.

Get a Quote Like This