Equipment finance: your questions answered

Often no deposit is required, particularly for established businesses buying standard assets from a dealer. A deposit is more likely where the business is new, the asset is older or specialised, the credit profile is weaker, or the amount is large relative to turnover. Deposits typically range from around 10% to 30% in those cases. Putting money in reduces the amount financed and can improve the terms offered, but it is not always necessary.

Yes, that is a sale and leaseback. You sell an unencumbered asset to a financier and lease or finance it back, receiving the sale proceeds as working capital while keeping the asset in use. Lenders will want proof you own it outright, a valuation, and evidence the funds are for a legitimate business purpose. It is a useful option when capital is tied up in plant, but it converts an owned asset into a monthly commitment, so the cash flow effect needs checking first.

Terms usually run from 12 to 84 months. The ceiling is generally set by the expected working life of the asset: heavy earthmoving and trucks often stretch to five or seven years, while IT hardware and point-of-sale systems are commonly kept to two or three. Lenders also look at the age of the asset at the end of the term, so a ten-year-old machine will attract a shorter term than a new one. Longer terms lower repayments and raise total interest.

Yes. A master facility agreement lets a lender approve an overall limit, then draw down individual assets against it using a commitment schedule for each one. Each drawdown has its own term and repayment, but you avoid re-applying every time you buy. It suits businesses buying regularly through the year. Limits are usually reviewed annually and the lender can decline a particular asset even where the limit is available.

With a chattel mortgage your business owns the equipment from purchase and the lender holds security over it. With a finance lease the lender owns the equipment and you pay to use it for the term. The choice affects GST, tax deductions and what happens at the end of the term.

A balloon or residual is a lump sum due at the end of an equipment loan or lease. It lowers regular repayments but must be paid, refinanced or covered by selling the asset when the term ends.

With a chattel mortgage your business owns the asset, so if you are registered for GST you can generally claim the GST included in the purchase price on your next BAS, rather than spreading it over the term as you would with a lease. The interest portion of repayments and the depreciation of the asset are usually tax deductible for business use, and instant asset write-off rules may apply in some years. Tax outcomes depend on your structure and accounting method, so confirm the treatment with your accountant before you sign.

Lease payments on a finance lease are generally tax deductible for the business-use portion, and GST is charged on each payment rather than on the purchase price, so you claim the GST progressively on each BAS instead of upfront. That is the opposite of a chattel mortgage, where GST is claimed on the purchase price at the start. For businesses that report under the accounting standard AASB 16, leases are recognised on the balance sheet; many small businesses use simplified reporting and are not affected. Confirm the treatment with your accountant.

With a chattel mortgage, a GST-registered business can generally claim the GST in the purchase price on its next BAS, up to the car limit that applies to passenger vehicles. Interest and depreciation are deductible for the business-use portion, and instant asset write-off rules may apply in some years. Utes and vans with a payload over one tonne are usually not subject to the car limit. Fringe benefits tax can apply where a vehicle is available for private use. Confirm the treatment with your accountant.

Asset finance is the umbrella term for funding equipment, vehicles and machinery where the asset itself is the security. It covers chattel mortgages, finance leases, operating leases, hire purchase and novated leases. Because the lender holds security over the asset, it is cheaper and easier to obtain than unsecured lending, and terms can run up to seven years. Almost anything a business uses to earn income can be financed, from a coffee machine to a fleet of trucks.

Use a chattel mortgage when you want to own the asset, claim GST upfront and depreciate it. Use a finance lease when you prefer rental-style payments and expect to upgrade at the end of the term. Use an operating lease when you want to use the asset and hand it back with no residual risk, often with maintenance bundled. Use hire purchase where you want ownership at the end without claiming GST upfront. Your accountant advises on the tax position and your broker matches the structure and the lender.

Vehicles, utes and vans, trucks and trailers, excavators and earthmoving plant, manufacturing and CNC machinery, medical and dental equipment, commercial kitchen and hospitality fit-outs, IT hardware and software, agricultural machinery, fitness equipment, solar and energy systems, and specialist tools of trade. New and used assets are both financed, with age limits for used equipment. If an asset earns income for the business, there is usually a lender for it.

From about $5,000 to $5 million or more. Most lenders will fund 100 per cent of the purchase price for an established business, and many include delivery, installation and extended warranty in the amount financed. Low-doc approvals commonly go up to $150,000 to $250,000; larger amounts need financials. The asset’s resale value influences the maximum term and whether a deposit is asked for.

Yes. Used equipment from dealers, private sellers and auctions is financed with a PPSR check and usually an inspection or valuation. Most lenders set a maximum age at the end of the term that varies by asset type, longer for trailers and machinery, shorter for technology. Private sales take a few extra days for verification and the payout of any existing finance.

Low-doc applications for standard assets are often approved the same day or within 48 hours and settled as soon as the supplier invoice and insurance are in place. Full-doc applications and specialised equipment take a few days to a week. If you have a quote from a supplier, your broker can get the approval in place before you commit to the purchase.

Earthmoving and civil plant such as excavators, loaders, dozers, graders and rollers; manufacturing plant such as CNC mills and lathes, presses, laser cutters and production lines; cranes, forklifts and telehandlers; concrete, asphalt and crushing equipment; woodworking, printing and packaging machinery; and agricultural machinery. New and used machines are financed, with lenders that specialise in yellow goods and in manufacturing plant.

Yes. Used yellow goods and plant are financed routinely, from dealers, private sellers and auctions. Lenders look at the machine’s age, hours and condition, and most allow it to be 15 to 20 years old at the end of the term for well-maintained equipment. Private and auction purchases need a PPSR check and usually an inspection. Machines with very high hours or heavy modification may attract a shorter term or a deposit.

Yes. Buckets, rippers, tilt hitches, augers, GPS machine-control systems, installation, commissioning and delivery can all be included in the amount financed when they are on the supplier’s invoice. Bundling them keeps the whole cost of putting the machine to work on one repayment rather than draining cash for the extras.

One to seven years. Yellow goods and heavy plant are commonly financed over five years, sometimes seven for new machines with long working lives. Production machinery is often matched to the contract or the expected technology cycle. A term that lines up with the work the machine is winning keeps the repayment covered by the income it generates.

Yes. Unencumbered machinery can be refinanced through a sale-and-leaseback or a loan secured on the equipment, releasing a proportion of its value as working capital while you keep using it. Lenders value the machine and lend against it, typically 50 to 80 per cent of value depending on age and type. It is a useful way to fund growth without selling the gear that earns the income.

Low-doc applications for standard machines are often approved within 24 to 72 hours. Full-doc applications, larger amounts and private sales requiring inspection take up to a week. For machines on order with a supplier, approval can be arranged ahead of delivery so settlement happens the day the machine is ready.

Almost any clinical asset: ultrasound and imaging, dental chairs and CAD/CAM systems, surgical and sterilisation equipment, veterinary diagnostic and surgical gear, physiotherapy and rehabilitation machines, optometry and audiology instruments, cosmetic lasers, practice management software and IT, and the clinic fit-out itself. New equipment from suppliers is the simplest; refurbished equipment from recognised dealers is financed by many lenders too.

Several lenders offer structures built for practices: deferred first payments so the equipment starts earning before repayments begin, terms matched to the equipment’s clinical life, seasonal or stepped repayments for practices that are still building patient numbers, and pre-approved equipment limits for established practitioners. Medical, dental and veterinary professionals are treated as low-risk borrowers, so pricing and documentation are usually favourable.

Yes. Lenders regularly fund new practices for registered practitioners with a track record as an employee or associate, because the profession itself gives them confidence. A business plan, the lease on the premises and evidence of qualifications are the main requirements, and the fit-out, equipment and working capital can be funded together as a package so the practice opens fully equipped.

Generally, yes. For a chattel mortgage the interest and the depreciation of the equipment are deductible, and GST on the purchase can usually be claimed on the next BAS. For a lease the rental payments are deductible and GST is claimed on each payment. Instant asset write-off rules may apply in some years. Confirm the treatment with your accountant, since practices are often run through companies or trusts with their own considerations.

Yes, within limits. Refurbished equipment from recognised suppliers with a warranty is financed by many lenders, and private-sale equipment from another practice can be financed with a valuation. Lenders set age limits based on the equipment’s clinical and technological life, so a five-year-old ultrasound is treated differently from a five-year-old dental chair. Your broker checks eligibility before you commit to a purchase.

Within practice limits, approvals are often the same day or within 24 to 72 hours for registered practitioners, and settlement follows as soon as the supplier invoice is in. Larger amounts and new practices take a few days more. Suppliers often quote installation dates months out, so approval can be arranged early and settled on delivery.

Fit-out finance funds the works needed to open or refurbish a site: joinery, counters and benches, flooring, lighting, partitions, plumbing and electrical, signage, air conditioning and the removable equipment such as kitchen gear, chairs, refrigeration and IT. Lenders treat the removable equipment and the fixed building works differently, so the two are usually funded on separate structures under one arrangement, each priced correctly.

Because removable equipment can be repossessed and resold, lenders finance it as a normal asset with the equipment as security, at asset finance rates. Fixed works such as joinery and flooring become part of the landlord’s building and have no resale value, so they are funded as a business loan against the strength of the business, sometimes with a director’s guarantee or other security. Splitting the two keeps the equipment portion cheap and makes the fixed portion fundable.

Fit-out finance commonly ranges from $20,000 to $1.5 million. The equipment portion can usually be funded at 100 per cent of the invoice. The fixed works portion depends on the business: established businesses with financials can fund most of it, while new businesses are typically asked to contribute 20 to 40 per cent or offer security. Landlord contributions, common in shopping centres, reduce what needs to be borrowed.

Most lenders pay the shopfitter or suppliers directly against invoices, and some can fund progress payments as the build proceeds so you are not out of pocket. A deposit to the shopfitter is often required before works start, which can be funded or contributed by you. Your broker sets up the payment schedule with the lender to match the shopfitter’s contract.

Sometimes. Equipment bought in the last few months can often be refinanced with a sale-and-leaseback, releasing the cash back into the business. Fixed works already paid for are harder to refinance because there is no asset to secure, though a business loan can be considered for an established business. It is usually cheaper to arrange the finance before paying, so speak to your broker before the build starts.

Three to ten business days for most applications, longer where property security is involved. Because fit-outs run on a construction timetable, start the finance conversation once you have the shopfitter’s quote and the lease, so approval is in place before the deposit is due and progress payments can be made on time.

Servers, networking and storage, fleets of laptops and workstations, point-of-sale and payment systems, security cameras and access control, audiovisual and conferencing gear, 3D printers and specialist design hardware, commercial solar and battery systems, and the software and services that go with them, including ERP and practice management implementations. Hardware is financed as an asset; software and services are funded by lenders that specialise in intangibles.

Yes, with the right lender. Software licences, subscriptions paid upfront, implementation, data migration and training have no resale value, so mainstream asset lenders will not secure against them. A group of technology lenders fund these as a rental or a business loan, often bundled with the hardware in one agreement so the whole project is on a single monthly payment. The intangible portion is priced a little higher than the hardware. Your broker knows which lenders fund what.

Typically one to five years, matched to the useful life of the gear: two to three years for laptops and phones, three to five for servers, networking and audiovisual, and five to seven for commercial solar. Software implementations are usually funded over the length of the licence agreement. Matching the term to the refresh cycle avoids paying for equipment after it has been replaced.

Yes. Commercial solar and battery systems are financed by many lenders over five to seven years, often structured so the monthly repayment is close to or below the electricity saving. Government rebates and certificates reduce the amount financed. The system becomes a fixture of the building, so lenders look at the lease or ownership of the premises. Your broker compares lenders that specialise in energy assets.

Usually not for hardware, which is typically funded at 100 per cent of the invoice for an established business. Projects with a large software or services component may require a contribution of 10 to 30 per cent because that portion has no resale value. New businesses and larger projects are assessed on financials and may be asked for a deposit or a guarantee.

Yes. Many technology lenders set up a master agreement with a limit so additional hardware, licences or stages of an implementation can be added as schedules without a fresh application, each on its own term. This suits phased rollouts and businesses that add staff and devices regularly. Your broker sets the limit to cover the planned project and headroom for growth.

Two to five business days for most projects, and same day for straightforward hardware within low-doc limits. Suppliers are paid directly against their invoices, and staged projects can be paid as each milestone is invoiced. Get the finance approved once the supplier quote is final so ordering is not held up.

Seasonal repayments schedule the bulk of the annual repayment to land after harvest, sale of livestock or other income events, with smaller or no payments in the months when cash is going out. A cropping operation might make one or two large payments a year after grain is delivered, while a dairy might pay monthly. Lenders that specialise in agriculture offer annual, half-yearly, quarterly and stepped structures. Your broker builds the schedule around your calendar.

Tractors, headers and harvesters, seeders and planters, sprayers, balers and hay equipment, irrigation pivots and pumps, grain handling and storage, livestock handling and shearing equipment, dairy plant, orchard and viticulture machinery, farm vehicles, drones and precision agriculture technology. New equipment from dealers and used machinery from dealers, clearing sales and private sellers are all financed.

Yes. Used tractors, headers and implements hold value well and are financed routinely, including from clearing sales and private sales with a PPSR check and an inspection or valuation. Most lenders allow machinery to be 15 to 20 years old at the end of the term, longer than for vehicles. For a clearing sale, a pre-approval lets you bid knowing what you can settle.

Yes. Centre pivots, lateral movers, pumps, pipelines, grain silos, sheds, solar systems and water infrastructure can be financed, often over longer terms of up to seven years or more because they have long working lives. Because some of this becomes a fixture of the land, lenders may take it as part of a broader agribusiness facility rather than as standalone equipment. Your broker structures whichever suits.

Two to five business days for most applications, and same day within low-doc limits for established operations. Dealer purchases settle on the invoice; clearing sales and private purchases take a few days longer for checks. Because seasonal timing matters, tell your broker when the machine needs to be on the farm, whether that is before seeding or before harvest, and the approval is scheduled around it.

Operating lease payments are generally fully deductible as a business expense for the business-use portion, and GST is claimed on each monthly payment rather than upfront. Under the accounting standard AASB 16, businesses that report under it recognise most leases on the balance sheet; many small businesses use simplified reporting and are unaffected. Confirm the treatment with your accountant.

Anything with a well-understood resale market and a predictable replacement cycle: cars, utes and vans, forklifts and materials handling, IT hardware, medical imaging and diagnostic technology, audiovisual and events equipment, fitness equipment, and printing and office machinery. Highly specialised or custom equipment is harder to lease this way because the lessor cannot readily resell it.

Two to five business days for most equipment, with the lessor buying the asset from your chosen supplier and leasing it to you. Fully maintained vehicle leases can take a little longer to price because servicing and running costs are built in. Your broker gathers the supplier quote and your requirements and compares lessors across the panel.

It can suit businesses that account on an accruals basis and want to claim GST upfront on the full amount, situations where a particular lender offers sharper pricing on hire purchase for a given asset, and cases where keeping legal ownership with the lender until the end is preferred, such as some partnership or trust arrangements. Your accountant confirms whether it helps your position, and your broker compares the pricing against a chattel mortgage on the same asset.

Interest and depreciation on the asset are generally deductible for the business-use portion, as with a chattel mortgage. Since July 2012, GST applies to the total hire purchase amount including the interest component, and businesses on an accruals basis can generally claim the full GST upfront, while businesses on a cash basis claim it progressively. Confirm the treatment with your accountant, as this is the area where hire purchase and chattel mortgage differ most.

Cars, utes, vans, trucks and trailers, earthmoving and agricultural machinery, manufacturing plant, commercial kitchen and hospitality equipment, medical equipment and most other business assets with a resale market. New and used assets are both eligible, with the same age limits lenders apply to chattel mortgages.

Low-doc applications for standard assets are often approved within 24 to 72 hours and settled on the supplier invoice. Full-doc applications and larger amounts take a few days longer. If a lender or your accountant has asked specifically for hire purchase, tell your broker so the right lenders are approached from the start.

A sale and leaseback releases cash from equipment your business already owns outright. A financier buys the asset from you at an agreed value, pays you the cash, and leases or finances it straight back so you keep using it without interruption. You then make regular repayments over a term, typically one to five years, and at the end you own the asset again or clear a residual. It turns idle equity in trucks, machinery or plant into working capital for a contract, growth or a tax liability.

Equipment that is owned outright or nearly paid off, has a clear resale market and a reasonable remaining life: trucks and trailers, excavators and earthmoving plant, manufacturing machinery, bottling and production lines, agricultural machinery, medical equipment and fleets of vehicles. Lenders check the PPSR to confirm there is no finance owing and value the asset. Very old, specialised or low-value equipment is harder to fund because the lender relies on the asset’s resale value.

Typically 50 to 80 per cent of the asset’s valued amount, depending on its type, age and how readily it could be resold. Newer trucks and yellow goods sit at the higher end; older or more specialised machinery at the lower end. The lender arranges an independent valuation, and the amount is agreed before you commit. Several assets can be bundled into one arrangement to release a larger sum.

Yes. Under a chattel mortgage structure you own the asset throughout and the lender simply holds security, so nothing changes at the end. Under a finance lease structure the financier owns it during the term and ownership returns to you when the residual is paid. Either way the equipment never leaves your site, and the arrangement is designed so you keep operating it exactly as before.

Yes, both are common uses. Because the funds are unrestricted working capital, businesses use them to clear a tax debt, fund the mobilisation costs of a new contract, buy stock, or consolidate more expensive short-term debt. Lenders will ask what the funds are for and may want to see that the business is trading profitably.

Three to ten business days, mostly for the valuation and the PPSR and ownership checks. Once the valuation is agreed, documents are signed, the financier pays the agreed amount to your account and the repayments begin. If the funds are for a deadline such as a tax payment or contract start, tell your broker and the valuation is booked immediately.

A van bought through a GST-registered business on a chattel mortgage generally allows the GST on the purchase price to be claimed on the next BAS, and the interest and depreciation are deductible for the business-use portion. Vans designed to carry a load rather than passengers are usually outside the car limit and, where private use is minor, outside fringe benefits tax. Confirm with your accountant for your model and usage.

The car limit is the maximum value the ATO allows for depreciation and GST claims on a passenger car bought for business use, indexed each year and currently around $69,000. You can finance a car above the limit, but depreciation and the GST claim are capped at the limit, and luxury car tax may apply above the LCT threshold. Utes and vans with a one-tonne payload are generally not subject to the limit. Your accountant confirms the figures for the year of purchase.

It can. When a business-owned car is available for an employee’s or director’s private use, fringe benefits tax applies, calculated on either the statutory method or the operating cost method using a logbook. Keeping a 12-week logbook usually reduces the FBT for cars with high business use. Eligible electric vehicles are currently exempt. Your accountant advises on the method that suits your usage.

Yes. Used excavators are financed routinely, including auction purchases, provided the machine is within the lender’s age and hours limits, usually under about 10 years or 10,000 hours for mainstream lenders. Auction buys need the invoice from the auction house and settle to the auctioneer; private sales need a PPSR clearance, a signed sale agreement and an inspection. Pre-approval before the auction lets you bid with confidence.

Yes. Tilt hitches, buckets, rippers, hammers and augers can usually be included on the same contract when they are quoted with the machine, which is the cheapest way to fund them. Attachments bought later can be financed separately as equipment, though small amounts sometimes suit a line of credit better. Get everything on one quote where you can.

Three to five years is most common, with up to seven years available on new machines from strong brands. Match the term to how long you will keep the machine and the work you have in front of it, and consider a balloon of 20 to 30 per cent on a new machine to keep repayments in line with the machine’s resale value. A shorter term costs more per month but far less in total interest.

Yes. A mini excavator, its plant trailer and attachments can go on one contract when they are quoted together, so a complete working package settles at a single rate with one repayment. Lenders like the combination because the machine is easy to resell. Ask for the trailer and attachments on the same quote as the machine.

Mostly, yes. Kubota, Bobcat, Yanmar, Takeuchi, Caterpillar and Komatsu are accepted by every lender. Newer Chinese brands are financed by a growing group of lenders, sometimes with a deposit or a shorter term because resale values are less established. Tell your broker the brand and model before you commit so the lender is matched to the machine.

Yes. Buckets, four-in-one buckets, augers, trenchers, pallet forks and sweepers can be included on the same contract when quoted with the machine, and most lenders accept an attachment package worth a sensible proportion of the loader’s value. Attachments are what make a skid steer earn, so bundle them at purchase rather than paying cash later.

Not the finance itself. Compact track loaders cost more to buy and to maintain because of the undercarriage, but they hold value well and lenders treat both types the same way. Choose on the ground you work: tracks for soft or landscaped surfaces, wheels for hard-stand, demolition and quicker travel. Your broker prices either machine.

Used loaders under about 3,000 hours from dealers are well-regarded security and finance on similar terms to new. Beyond that, check the undercarriage or tyres, the hydraulic coupler and the lift arm bushes, and expect a slightly shorter term. The saving on a two or three-year-old machine is often worth it for a business that only needs the machine part-time.

Dozers above about $250,000 usually need financials or a strong asset finance history rather than a low-doc approval, and lenders look at the contracts the machine will work on. Terms run to seven years on new machines, balloons of 20 to 30 per cent are common, and the machine is accepted as security by every major lender because the resale market is deep. A broker can also split a large purchase across two lenders.

Yes, within limits. Dozers have long lives and rebuilt machines are common, so lenders look at hours since the last major overhaul, undercarriage condition and brand rather than age alone. Machines over about 10,000 hours or 12 years suit specialist lenders with shorter terms and a deposit. An independent inspection helps both you and the lender.

Yes. A sale and leaseback or a refinance secured on an unencumbered dozer releases capital for working cash, a deposit on the next machine or tax debt, with the machine staying on your site. Lenders typically advance 60 to 80 per cent of the machine’s valuation depending on age and hours.

Yes. Grade control systems, GPS receivers and blade automation can be financed with the dozer when quoted together, and lenders accept them as part of the machine’s value because they materially improve productivity. Systems retrofitted later can be financed as equipment on a shorter term.

Graders have some of the longest working lives in earthmoving, so lenders offer terms up to seven years on new and late-model machines and five years on older units. Balloons of 20 to 30 per cent are common on new graders because the resale market for major brands is deep, and a balloon keeps repayments in line with the machine’s slower depreciation.

Yes. Graders regularly work 15,000 hours and more, so lenders look at service history, hours since the last major overhaul, circle and blade condition and the brand rather than age alone. Machines beyond about 12 years or 15,000 hours suit specialist lenders with shorter terms and a deposit. An independent inspection supports the application and protects you.

Yes. A signed road maintenance, shire or mining services contract is strong evidence of income for the machine and can move an application from a deposit to no deposit, or from full financials to low documentation. Lenders like predictable contract revenue behind larger machines, so send the contract with your application.

Yes. GPS grade control, blade automation and slope sensors can be financed with the grader when quoted together, and lenders accept them as part of the machine because they lift productivity and resale value. Retrofit systems can be financed separately as equipment over a shorter term.

Yes for established businesses. Loaders up to around $150,000 to $250,000 are commonly approved on low documentation for businesses with two years of ABN history, clean credit and a reasonable asset finance track record. Larger quarry loaders and start-ups usually need financials or a deposit. Your broker checks fit across the panel before you commit.

Yes. General purpose and high-tip buckets, pallet forks, a quick hitch and scales can be financed with the loader when quoted together, so the working machine settles on one contract. Attachments bought later can be financed as equipment on a shorter term.

Well, provided the machine is within age and hours limits, usually under about 10 to 12 years or 10,000 hours for mainstream lenders. They look at brand, hours, tyre condition and articulation joint wear. Private and auction purchases are accepted with a PPSR clearance and inspection; dealer machines with warranty settle fastest.

Yes. A backhoe does the work of a loader and an excavator in one machine, holds value well and is accepted by every lender. New ABNs can usually finance a used backhoe with a deposit and a clean credit file, and established businesses qualify low-doc with no deposit. Evidence of upcoming work strengthens a start-up application.

Mainstream lenders generally accept backhoes up to about 12 to 15 years old at the end of the term, so a 10-year-old machine can still get three to five years with the right lender. Older machines suit specialist lenders on shorter terms. Hours, brand and condition of the loader arms, hoe and stabilisers matter as much as age.

Yes. A backhoe and the trailer or truck used to move it can settle on one contract when quoted together, along with attachments such as extra buckets and a hammer. One contract means one repayment and usually a sharper rate than separate small loans.

Usually, yes, for established businesses buying a late-model roller from a recognised brand. Lenders know the resale market for smooth drum, padfoot and tandem rollers and treat them as strong security. Older machines, start-ups and very large rollers may need a deposit or financials.

Yes. Rollers are a staple of plant hire, and lenders fund fleets through a master facility or a series of contracts at fleet pricing. Hire income and utilisation data support the application, and a broker can spread the fleet across lenders to keep each lender’s exposure comfortable.

Used rollers under about 10 years and 5,000 hours are financed on terms close to new. Lenders look at drum condition, vibration system service history and hours. Auction and private purchases are accepted with a PPSR clearance and inspection, and pre-approval lets you bid at auction with confidence.

Rollers have long, low-stress lives, so five to seven years is common on new machines and three to five on used. A balloon of 20 to 30 per cent suits businesses that update machines regularly; a straight term suits those who run a roller for its full life.

Large all-terrain, crawler and tower cranes are financed by the major banks and specialist equipment lenders on full financials, with terms up to seven years and often ten on new machines given their 20-year working lives. Lenders look at the crane’s brand, capacity class and the contracts it will service, and a broker can split a very large purchase across two lenders to keep each one comfortable.

Yes. Used cranes are financed on the basis of age, hours, service history and a current major inspection, and imported machines need Australian design registration and compliance before most lenders will settle. Lenders prefer cranes from Liebherr, Grove, Tadano, Terex, Franna and Kato because their resale market is deep. An engineer’s inspection report supports the application.

Often, yes. Pick-and-carry cranes such as Franna models sit within the low-doc limits of several lenders, typically up to around $250,000 for businesses with two years of ABN history and clean credit. Larger slewing cranes usually need financials. Your broker checks which lenders like the capacity class you are buying.

Yes. A sale and leaseback or refinance secured against an unencumbered crane can release 60 to 80 per cent of its valuation for working capital, a deposit on the next machine or to consolidate debt, with the crane staying on your jobs. Cranes hold value well, which makes them good security for this.

Yes. Several lenders finance equipment from around $5,000 to $10,000, so a used counterbalance forklift or a walkie stacker is well within range, and small equipment loans are often approved the same day. Very small amounts sometimes suit a line of credit better because of fixed fees. Your broker will tell you which is cheaper.

Not the approval. Electric forklifts cost more upfront, and the battery and charger can be included in the finance, while diesel and LPG units are cheaper to buy and common for outdoor yards. Lenders finance both on similar terms; some offer a small discount on electric equipment. Choose on the work, then let your broker price it.

Buying on a chattel mortgage suits a forklift you will keep for its life and lets the business claim GST upfront and depreciation. An operating lease or rental suits high-use warehouses that want a fixed monthly cost with servicing included and a new truck every few years. Lyft Money compares both on the same page so you can see the total cost.

Yes. Forks, buckets, jibs, work platforms and rotator heads can be financed with the telehandler when quoted together, so the whole working machine settles on one contract. Attachments are what make a telehandler versatile across building, farm and hire work, so include them in the quote.

Yes. Telehandlers from Manitou, JCB, Merlo, Genie, JLG and Dieci have strong resale markets in construction, agriculture and hire, so lenders finance them with no deposit for established businesses and offer terms up to six years on new machines. Used machines under about 10 years and 6,000 hours finance on similar terms.

Yes. Telehandlers are increasingly the do-everything machine on farms for bale handling, grain and sheds, and agricultural lenders finance them with seasonal repayment structures matched to harvest or livestock sale income. Ask your broker for a seasonal or annual repayment profile if cash flow is lumpy.

Yes. Access equipment is a core hire product and lenders finance fleets through a master facility or a series of contracts at fleet pricing, supported by hire income and utilisation data. A broker can spread a fleet across lenders so no single lender is overexposed to one business.

If the lift is used most weeks, owning it on a chattel mortgage is usually far cheaper than hire and the business claims the GST and depreciation. Occasional users are better off hiring. Many contractors finance one or two lifts for their regular work and hire specialist units as needed.

Yes. Used lifts from major brands with a current 10-year major inspection and good battery condition are financed readily, usually on terms of three to five years. Machines approaching their 10-year inspection or with older batteries attract a shorter term or a deposit. Ex-hire lifts are common and acceptable with service records.

A truck-mounted boom pump is financed as one asset combining the truck and the pump, usually on a chattel mortgage over five to seven years given the high value, with lenders looking at the brand, boom size and the contracts the pump will service. Line pumps and trailer pumps are cheaper and often fall within low-doc limits for established businesses.

Yes. Used pumps from Putzmeister, Schwing, Sany, Zoomlion and Concord are financed on the basis of age, pumping hours, the truck’s kilometres and the boom’s current inspection and certification. Lenders want the boom inspection up to date and the truck roadworthy. An independent inspection supports the application.

Yes. Delivery line, hoses, clamps, reducers and cleaning equipment can be financed with the pump when quoted together, and a mixer or agitator can be added on the same contract for businesses running both. One contract keeps the rate sharper than several small loans.

Yes. A plant trailer is usually financed on the same contract as the mini excavator, skid steer or roller it carries, which is the cheapest way to fund it and gives you one repayment. Bought on its own, small trailers are financed as equipment or sometimes suit a line of credit because of fixed fees.

Several lenders finance equipment from around $5,000 to $10,000, so most plant trailers qualify on their own. Below that, fixed fees make a small loan expensive relative to the price, so a business line of credit or bundling the trailer with a machine is often better value. Your broker will tell you which is cheaper.

Yes. Used plant trailers are financed with a PPSR clearance and registration, and lenders are relaxed about age because trailers last for decades. Check the brakes, drawbar, ramps and axle ratings, and confirm the trailer’s ATM suits the machine you carry and the vehicle towing it.

Yes. Businesses buying several machines and the float to move them can fund them under one facility or a series of contracts, and a broker spreads the purchases across lenders so each is comfortable with its exposure. One application covering the whole plan saves time and usually money.

Yes. Agricultural lenders offer seasonal, half-yearly and annual repayment structures so a tractor’s repayments fall after harvest, wool or livestock sales rather than monthly. Some allow a repayment holiday in the first months while the machine goes to work. Tell your broker how your income arrives and the structure is built around it.

Yes. Front-end loaders, planters, sprayers, slashers, hay equipment and GPS guidance can be financed with the tractor when quoted together, so the whole working package settles on one contract. Implements bought later can be financed separately, and dealers often bundle them into the tractor’s quote.

Yes. Used tractors are financed with a PPSR clearance, an inspection and a signed sale agreement for private and clearing-sale purchases, and lenders are relaxed about age because tractors from major brands work for 20 years or more. Hours, service history and brand matter more than age. Pre-approval before a clearing sale lets you bid with confidence.

A tractor bought on a chattel mortgage is owned by the business from settlement, so it is eligible for whatever accelerated depreciation or instant asset write-off rules apply to your business in that year, and primary producers have additional depreciation concessions for some assets. Your accountant confirms the current thresholds; your broker times the settlement to suit.

Headers are financed by the major banks and agricultural equipment lenders on terms up to seven years, with annual or post-harvest repayments matched to grain income and balloons common on new machines. Lenders assess the farm’s history, cropping program and the header’s brand and fronts. Manufacturer finance is one option; a broker compares it against the panel.

Yes. Draper and corn fronts, front trailers, chaser bins and field bins can be financed with the header when quoted together, so the harvest package settles on one contract with one annual repayment. Fronts bought later can be financed separately on a shorter term.

Yes. Contract harvesters finance headers on the strength of their client base, harvest contracts and machine history, often with post-harvest annual repayments. Lenders like established contractors with repeat clients across regions. A second machine to grow the run is commonly financed on low documentation where the track record is good.

Yes. Used headers under about 10 years and 3,000 separator hours are financed on terms close to new, and lenders take older machines on shorter terms. They look at rotor and separator hours, service history and brand. Dealer trade-ins and clearing-sale machines are both accepted with a PPSR clearance and inspection.

Yes. Centre pivots, lateral moves, pump stations, mainlines, drip systems and control technology are financed as equipment even though they are installed, with terms up to seven years and sometimes longer for pivots given their 20-year lives. Some lenders treat fixed irrigation as a farm improvement loan instead; your broker chooses the structure with the best rate and tax outcome.

Often, yes. Installation, trenching, electrical connection and commissioning can be financed with the equipment when quoted by the supplier, up to a sensible proportion of the total. Large earthworks such as dams and channels are usually funded through a farm loan rather than equipment finance.

Yes. Seasonal, half-yearly and annual repayments are available so the system is paid for from the crops it waters. Some lenders offer a repayment holiday while the first irrigated crop grows. Tell your broker when income arrives and the structure is built around it.

Yes. Solar arrays powering pumps, variable speed drives and energy-efficient pumps can be financed with the irrigation equipment, and some lenders offer green equipment pricing. Energy savings often cover a good part of the repayment, which strengthens the application.

Cattle yards and crushes, sheep handlers, weigh systems, feed mixers and wagons, silos, dairy plant, robotic milking systems, shearing equipment and livestock trailers are all financed as equipment, with terms up to seven years and repayments matched to livestock sales or milk income. Portable and fixed systems are both accepted.

Yes. Rotary and herringbone dairies, robotic milking units, vat and cooling systems and effluent equipment are financed by agricultural lenders on terms of up to seven years and longer in some cases, with repayments matched to the milk cheque. Installation can usually be included when quoted by the supplier.

Yes. Seasonal, half-yearly and annual repayments are available so the equipment is paid for when cattle, lambs or wool are sold rather than monthly. Tell your broker when income arrives and the structure is built around it.

Yes. New farming businesses and succession arrangements are financed on the strength of the land, the farm plan and the family’s history, often with a deposit or a guarantee. Established farms with clean credit are usually approved on low documentation for modest equipment. Your broker knows which lenders back new rural businesses.

Yes. Many CNC machines are built to order overseas and need a deposit at order and the balance before shipping. Lenders can fund the supplier’s progress payments and convert the whole amount to a chattel mortgage when the machine is installed and commissioned, or a trade finance facility covers the purchase until delivery. Tell your broker the payment schedule early so the structure is in place before the deposit is due.

Yes. Tooling packages, workholding, CAD and CAM software, installation, rigging and training can usually be included when they are quoted with the machine, up to a sensible proportion of the total. Financing them with the machine is far cheaper than paying cash or using a card.

Yes. Used machining centres, lathes and routers from recognised brands are financed on age, hours, condition and service history, often on terms of three to five years. Very old or obscure machines suit specialist lenders with a deposit. A dealer-refurbished machine with warranty is the easiest to finance.

Five years is the most common term, with up to seven available on new machines from major brands given their long working lives. A balloon of 10 to 20 per cent suits businesses that update machines as technology moves on. Match the term to the contracts and capacity the machine is being bought for.

Yes. Load and unload automation, sheet towers, fume extraction, chillers, compressors and nesting software can be financed with the laser when quoted together, and installation and training are usually included too. One contract keeps the rate sharper than several loans.

Lasers above the low-doc limits are financed on financials, with lenders looking at the fabrication business’s history, the contracts and capacity behind the purchase and the machine’s brand. Terms of five to seven years are common. A broker can also split a very large purchase across two lenders or combine bank and equipment lender funding.

Yes. Progress payments to the manufacturer can be funded by the lender or through a trade finance facility and rolled into a chattel mortgage when the machine is installed and commissioned. Tell your broker the payment schedule so the structure is ready before the deposit is due.

Yes. Lenders finance the new machine and can take the old one as a trade-in through the dealer or let you sell it privately and pay out any remaining finance from the proceeds. Energy and consumable savings on a fibre laser often cover a good part of the repayment, which strengthens the case.

Yes. Digital production presses, wide-format and flatbed printers, finishing equipment and rip software are financed as equipment on terms of three to five years, which matches how quickly the technology moves. Consumables and click charges are not financed, but service contracts can sometimes be bundled. Offset presses are financed on longer terms because of their lives.

Digital equipment that will be replaced in three to five years often suits an operating lease or rental with a fixed monthly cost and the option to upgrade, while presses and finishing equipment you will run for a decade suit a chattel mortgage with GST and depreciation benefits. Lyft Money compares both on the same page so you can see the total cost.

Yes. Used offset presses and finishing equipment are financed on age, impressions, condition and brand, often with an inspection, and dealer-refurbished digital presses with warranty are accepted by most lenders. Very old presses suit specialist lenders with a deposit and shorter term.

Yes. Rigging, installation, electrical work, calibration, software and operator training can usually be financed with the equipment when quoted by the supplier, up to a sensible proportion of the total. One contract keeps the rate sharper than separate loans.

Yes. Fillers, cappers, labellers, case packers, conveyors, checkweighers and palletisers can be financed as a single line under one contract or a master facility, with progress payments to suppliers funded during the build and converted to a chattel mortgage at commissioning. A broker coordinates several suppliers’ quotes into one approval.

Yes. Machines built to order in Europe or Asia can be funded through progress payments or a trade finance facility and rolled into equipment finance when installed. Lenders want the supplier’s invoice, the payment schedule and evidence the machine meets Australian electrical and safety standards.

Five years is typical, with up to seven on major lines from established manufacturers. Because much packaging equipment is bespoke and harder to resell, lenders may ask for a deposit or financials on very specialised machines. A balloon of 10 to 20 per cent is common where the equipment has a strong secondary market.

CNC routers and nesting machines, edgebanders, beam saws, panel saws, dust extraction, spray booths, moulders, planers and thicknessers are all financed as equipment, with terms of three to seven years depending on the machine. Dust extraction and installation can be included when quoted with the machines.

Yes. Cabinet makers and joiners are a core customer for equipment lenders, and established businesses are usually approved on low documentation up to around $150,000 to $250,000. Newer businesses can finance a used machine with a deposit and a clean credit file. Your broker checks fit across the panel first.

Yes. Used edgebanders, CNC routers and saws from recognised brands are financed on age, condition and service history, often on terms of three to five years. Machines from dealers with warranty are the easiest to finance; private and auction purchases need a PPSR clearance and inspection.

Yes. Design and nesting software, tooling, vacuum pumps, dust extraction, installation and training can be financed with the router when quoted together, up to a sensible proportion of the total. One contract keeps the rate sharper than separate small loans.

Yes. Generators are a staple of equipment hire, and lenders finance fleets through a master facility or a series of contracts at fleet pricing, supported by hire income and utilisation data. Trailer-mounted, containerised and silenced sets are all accepted.

Yes. Fixed standby generators, automatic transfer switches, fuel systems and installation are financed as equipment even though they are installed, with terms up to seven years given their long lives. Some lenders treat fixed generators as a fit-out loan instead; your broker chooses the structure with the best rate.

Yes. Used generators are financed on hours, brand, service history and load testing, with lenders relaxed about age because quality sets last for decades. Ex-hire and ex-mining sets are common and acceptable with records. Private and auction purchases need a PPSR clearance and inspection.

Several lenders finance equipment from around $5,000 to $10,000, so most trade and event generators qualify on their own. Smaller portable sets are better bought on a line of credit or bundled with other equipment because fixed fees make a very small loan expensive. Your broker will tell you which is cheaper.

Yes. Chairs, delivery units, cabinetry, sterilisation, imaging, compressors and suction can be financed together under one contract or a master facility, and installation and fit-out costs can usually be included when quoted by the supplier. Lenders like dental practices, so terms of five to seven years and no deposit are common for established practitioners.

Five years is typical, with up to seven available on new chairs from major brands given their 15-year working lives. A longer term keeps the monthly repayment low against the chair’s earnings; a balloon of 10 to 20 per cent suits practices that update rooms regularly.

Yes. Refurbished chairs from dealers with warranty are accepted by most lenders, and used equipment from a practice sale can be financed with an inspection and evidence of service history. Terms are usually shorter than new. Ask your broker before committing so the lender is matched to the equipment.

Yes. Ultrasound systems from portable units to premium consoles are financed for GPs, specialists, physiotherapists, vets and sonography practices, with established practitioners usually approved on low documentation and registered health professionals often eligible for professional packages. Probes and software can be included.

Three to five years is typical because ultrasound technology moves quickly and probes wear. Some practices prefer an operating lease or rental with an upgrade path so the system stays current. Your broker compares a chattel mortgage against a lease on the same page so you can see the total cost.

Yes. Manufacturer-refurbished and dealer-refurbished systems with warranty are accepted by most lenders, usually on terms of three to four years. Private purchases of used systems need an inspection and evidence of service history. Refurbished premium consoles are often much better value than a new mid-range unit.

Yes. Additional transducers, software options, workstations and installation can be financed with the system when quoted together, and some suppliers bundle service agreements into a rental. One contract keeps the rate sharper than separate small loans.

CT, MRI, X-ray, mammography and nuclear medicine systems are financed by the major banks and specialist healthcare lenders on terms of five to seven years and sometimes longer, with progress payments during installation and shielding works funded and converted to a chattel mortgage or lease at commissioning. Medicare licensing and referrer base are part of the assessment for large systems.

Often, yes. Radiation shielding, RF cages, chillers, electrical upgrades and room construction can be financed alongside the equipment under a combined facility, up to a proportion of the total, or through a separate fit-out loan. Your broker structures the package so the whole project is funded from one application.

Operating leases and rentals are common for imaging equipment because they keep the technology current, include service and avoid a large balance sheet asset, while a chattel mortgage suits practices that will run a system for its full life and want the GST and depreciation benefits. Lyft Money compares both structures for the same system.

Yes. Manufacturer-refurbished systems with warranty are accepted by most healthcare lenders and are often a fraction of the price of new. Used systems from a practice sale need an inspection, service history and a supplier willing to service them. Terms are usually shorter than new.

Yes. Hair removal, skin rejuvenation, tattoo removal, body contouring and IPL devices are financed for medical and non-medical clinics, with established clinics usually approved on low documentation. Lenders assess the device’s brand and resale market, the clinic’s trading history and, for medical-grade devices, the practitioner’s registration.

Three to five years is typical because technology moves quickly and handpieces have limited shot counts. Some clinics prefer a rental or operating lease with an upgrade path. Match the term to how long the device will stay competitive in your market and to the treatments it will earn from.

Handpieces, cooling systems, delivery, installation and training can usually be financed with the device when quoted together. Consumables such as tips and gels are not financed but can run through a business line of credit. Ask your broker to include everything on the supplier’s quote.

Digital X-ray, ultrasound, dental units, anaesthetic machines, surgical tables and lighting, in-house pathology analysers, cages and kennels, hydrotherapy and practice fit-out are all financed as equipment, with terms of three to seven years. Vehicles for mobile and large-animal vets are financed separately as vehicles.

Yes. Equipment, cabinetry, kennels, flooring and building fit-out can be financed together under one facility or a combination of equipment finance and a fit-out loan, with progress payments to builders and suppliers funded during the build. A broker packages the whole project into one application.

Yes. Equipment bought as part of a practice purchase can be financed on an inspection and valuation, and refurbished imaging and dental units from dealers with warranty are accepted by most lenders. Terms are usually shorter than new. Your broker matches the lender to the equipment and the practice.

Yes. Cardio machines, pin-loaded and plate-loaded strength equipment, racks, free weights, flooring and functional rigs can be financed together under one contract, with delivery and installation included when quoted by the supplier. New gyms are usually approved with a deposit, a lease on the premises, a business plan and a clean personal credit file; established gyms qualify on low documentation.

Cardio equipment that wears and dates suits a rental or operating lease with replacement every three to five years, while strength equipment and racks that last a decade suit a chattel mortgage with GST and depreciation benefits. Many gyms combine both. Lyft Money compares the structures on the same page so you can see the total cost.

Yes. Refurbished commercial equipment from dealers with warranty is accepted by most lenders, and used equipment from a gym closure can be financed with an inspection and evidence of service history. Commercial-grade equipment from major brands is the easiest to finance and resell.

Yes. Several lenders finance equipment from around $5,000 to $10,000, so a studio, reformer Pilates room or mobile trainer’s kit qualifies on its own. Very small amounts sometimes suit a line of credit better because of fixed fees. Your broker will tell you which is cheaper.

Yes. The espresso machine, grinders, water filtration, knock box, milk fridge and installation can go on one contract when quoted together, and most lenders finance café equipment from around $5,000. A complete coffee station on one contract is cheaper than several small loans or paying cash from working capital.

Buying on a chattel mortgage or equipment loan suits a café that will keep the machine for years and wants the GST and depreciation benefits. Rental suits start-ups and businesses that want servicing included and the option to upgrade, at a higher total cost. Roaster-supplied machines tied to a bean contract are a third option. Your broker compares all three.

Yes. Cooking lines, ovens, fryers, refrigeration, dishwashers, exhaust canopies, benches and installation can be financed together under one contract, with progress payments to the kitchen supplier and builder funded during the fit-out. A broker packages the supplier’s quote and the builder’s contract into one application.

Both. Movable equipment such as ovens, fryers and refrigeration is financed as equipment with the items as security, while fixed works such as canopies, plumbing, floors and joinery are funded through a fit-out loan. Lenders often combine the two under one facility, and the split affects the rate and term, so your broker structures it deliberately.

Yes. Used equipment from dealers and auctions is financed with a PPSR clearance and, for larger items, an inspection, usually on terms of three to four years. Refrigeration and cooking equipment from major brands holds value and is easy to finance; very old or unbranded items may need a deposit.

Yes. Modular and custom cool rooms, freezer rooms, refrigeration plant, shelving and installation are financed as equipment or fit-out even though they are installed, with terms up to seven years given their 15-year lives. Lenders finance them for cafés, restaurants, butchers, florists, pharmacies and wholesalers.

Yes. Installation, refrigeration plant, electrical connection, flooring and commissioning can be financed with the cool room when quoted by the supplier, up to a sensible proportion of the total. One contract keeps the rate sharper than separate loans.

Modular cool rooms can be dismantled and reinstalled, and the finance simply continues with the lender noted of the new address. Custom-built rooms that cannot move are usually paid out from the sale of the business or the fit-out, or the finance is refinanced against the new premises. Tell your broker about the lease term when applying so the finance term suits.

Yes. A cool room is commonly financed as part of a kitchen or shop fit-out package under one facility, with the equipment supplier and builder paid as the work progresses. A broker packages the quotes into one application so the whole project is funded together.

Fit-out finance funds the build and equipping of a retail, hospitality or professional premises, with the lender paying the builder and suppliers in stages against invoices and the loan converting to a fixed term of three to five years when the fit-out is complete. Movable equipment is usually financed separately as equipment at a sharper rate, and the two are combined under one facility.

It depends on the lender and the business. Fit-out works have little resale value, so lenders rely on the business’s trading history, the lease term and often a director’s guarantee rather than the fit-out itself; some take a general security agreement over the business. Equipment within the fit-out can be secured on its own. Your broker chooses the structure with the best rate.

Yes. Lenders usually want the fit-out repaid within the current lease term including options, and a term that ends before the lease does keeps you flexible. A five-year lease with a five-year option suits a five-year fit-out term. Tell your broker the lease details when applying.

Yes. Terminals, tablets, printers, cash drawers, scanners, kitchen displays and installation are financed as technology equipment, and many lenders include the first one to three years of software subscription and setup in the amount financed. Ongoing subscriptions after that are paid as operating costs.

Two to four years, matching how quickly point-of-sale hardware dates. A rental or operating lease with an upgrade path suits businesses that want the latest hardware and servicing included; a technology loan suits businesses that want to own the equipment. Your broker compares both.

Yes. A rollout across several venues or stores can be funded under one contract or a master facility, with each site’s equipment drawn down as it is installed. Franchise groups often set up a facility so each franchisee can access the same pricing.

Technology lenders finance from around $3,000 to $5,000, so most single-site POS systems qualify on their own, and a rental agreement from the supplier is another route for smaller amounts. Below that a business line of credit is usually cheaper because of fixed fees. Your broker will tell you which is cheaper.

Laptops, desktops, servers, networking, storage, printers, phones, screens, meeting room systems and installation are financed as technology equipment, and many lenders include software, licences and setup services in the amount. Terms of two to four years match how quickly hardware dates.

A rental or operating lease suits businesses that refresh devices every two to three years and want a fixed monthly cost with the option to return or upgrade, while a technology loan suits businesses that keep equipment longer and want to own it. Rental payments are generally deductible; owned equipment is depreciated. Your broker compares both.

Yes. Device fleets are commonly financed under one contract or a master facility with draw-downs as staff are onboarded, and some providers bundle device management and support. Amounts from around $5,000 qualify, and larger rollouts get fleet pricing.

Yes. On-premises servers, storage and networking can be financed as equipment, and many technology lenders also fund the professional services, migration and software subscriptions that go with a refresh, up to a proportion of the total. A broker packages the vendor’s quotes into one application.

Yes. Technology lenders finance perpetual licences, implementation, customisation, data migration, training and one to three years of subscription fees on a fixed-term contract, treating the business’s cash flow rather than the software as the security. Terms of two to four years are typical.

Yes. Large implementations such as ERP, practice management, CRM and warehouse systems are commonly financed with the vendor paid at milestones and the business repaying over two to four years, so the cost is spread across the years the system delivers value. Hardware bought with the system can be included.

Mostly unsecured against the software itself, since licences have little resale value, so lenders rely on trading history and usually a director’s guarantee, and rates sit between equipment finance and unsecured business loans. Bundling hardware into the contract can improve the rate. Your broker chooses the structure with the best pricing.

Yes. Commercial solar, batteries, inverters and installation are financed as equipment or through green loans with terms up to seven years and sometimes ten, and the energy savings often exceed the repayment from the first month. Some lenders offer discounted green equipment rates.

Yes, with the landlord’s consent to the installation. Lenders finance solar on leased premises where the lease term covers the finance term, and some structure the system so it can be removed or transferred. Owner-occupiers can alternatively fund solar through a secured business loan against the property.

Yes. Battery storage, EV charging stations, power factor correction and monitoring can be financed with the solar system when quoted together, and some lenders extend green pricing to the whole package. Installation is included when quoted by the installer.

Small-scale technology certificates reduce the upfront price of systems under 100 kilowatts and are usually claimed by the installer as a discount, and larger systems earn large-scale certificates. A financed system still receives the incentives, and accelerated depreciation may apply because the business owns the system. Your accountant confirms the current rules.

Yes. Cameras, recorders, alarm panels, access control, intercoms, monitoring hardware and installation are financed as technology equipment or as part of a fit-out, usually on terms of three to five years. Monitoring subscriptions after the first year are paid as an operating cost.

Technology lenders finance from around $3,000 to $5,000, so most commercial security installations qualify on their own. Smaller systems are often bundled with a fit-out or funded on a line of credit because fixed fees make a very small loan expensive. Your broker will tell you which is cheaper.

Rental suits businesses that want monitoring, servicing and upgrades bundled into one monthly fee and no ownership at the end. A technology loan suits businesses that want to own the equipment and claim depreciation. Your broker compares both against the supplier’s quote.

Yes. Rollouts across stores, warehouses or clinics can be funded under one contract or a master facility with each site drawn down as it is installed, and franchise groups often set up a facility for franchisees. One application covers the whole program.

Yes. Builders with two years of ABN history and clean credit are commonly approved for utes, trucks, excavators and site equipment on low documentation up to around $150,000 to $250,000, often within 24 hours. Larger plant and businesses under two years need financials or a deposit. Lyft Money checks fit across the panel before anything is submitted.

Through a series of chattel mortgages or a master equipment facility that lets machines be added as contracts are won, with terms of three to seven years matched to each machine’s life and the contract it will service. A broker spreads the fleet across lenders so no single lender is over-exposed and fleet pricing applies. Float trailers and support vehicles go on the same program.