Finance any business equipment from $5,000 to $2M+. Tax deductible structures, fast approval, 100+ specialist lenders.
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Choose the right finance structure for your business, or explore equipment categories.
Most popular structure for ABN holders. Own asset from day one, claim GST upfront, deduct interest and depreciation.
Hire equipment and pay it off. Ownership transfers at loan end. GST spread across payments.
Finance excavators, loaders, cranes, earthmoving machinery. New and used. $20k-$2M+ loans.
X-ray, dental chairs, ultrasound, practice fit-outs. Finance for doctors, dentists, vets. $10k-$1M+.
Commercial kitchens, cafe fit-outs, POS, refrigeration. New venue packages available. $5k-$500k+.
Tractors, harvesters, irrigation, livestock equipment. Seasonal repayment options. $10k-$2M+.
Equipment finance lets you acquire essential assets without tying up capital. Instead of spending $200,000 on a new excavator, spread the cost over 5 years at $4,000/month. Use that $200k for marketing, staff, stock, or expansion — things that generate immediate revenue.
Business equipment loans offer significant tax benefits. Through Chattel Mortgage structures, you can claim interest payments and depreciation as tax deductions. For a $100,000 equipment loan at 8% p.a., you might save $8,000+ annually in tax. Your accountant will love you.
With a Chattel Mortgage, you own the equipment from day one and can claim the full GST credit on your next BAS. Buy a $110,000 excavator (inc. GST), claim back $10,000 GST immediately, and only finance the $100,000 ex-GST amount. This improves your cash position significantly.
Technology and machinery improve rapidly. Equipment finance lets you upgrade every 3-5 years without large upfront costs. Use balloon payments to keep repayments low, then trade in for newer models. This ensures your business always has modern, efficient equipment.
Because equipment loans are secured against the asset you're buying, lenders face lower risk and offer better rates than unsecured business loans. Approval rates are higher, interest rates are lower (typically 5-12% p.a. vs 15-25% for unsecured), and you can borrow larger amounts.
Apply now and get access to specialist equipment lenders with tax-deductible structures.
The two most common structures for equipment finance in Australia. Choose based on your GST registration and tax position.
ABN holders registered for GST who want to own the asset immediately
You own the equipment from day one. The lender takes a mortgage (security) over the asset. You make regular repayments over 1-7 years.
Claim full GST credit on your next BAS. You only finance the GST-exclusive amount.
Claim interest payments and depreciation as tax deductions. Instant asset write-off may apply for equipment under $20k.
Optional. Defer 10-50% to end of term to reduce monthly repayments.
5-10% p.a. depending on equipment type and borrower
Businesses not registered for GST, or prefer ownership to transfer at loan end
You hire the equipment and make repayments. Ownership transfers when you make the final payment (often $1 or $100).
GST is included in repayments and claimed progressively. If you're registered for GST, you claim 1/11th of each payment.
Claim the full rental payment (principal + interest) as a tax deduction. Different from chattel mortgage depreciation method.
Optional. Can include residual value to lower monthly payments.
6-11% p.a. depending on equipment type and borrower
Which Should You Choose? Most ABN holders registered for GST prefer Chattel Mortgage because you can claim the GST upfront (improving cash flow) and own the asset immediately. However, your accountant may recommend Hire Purchase based on your specific tax situation. We can arrange either structure.
Find the equipment you need — new or used. Get quotes from suppliers. You can apply before finalizing the purchase to know your borrowing capacity.
Submit one application through Kreddi. We'll shop it across our panel of specialist equipment lenders. Provide ABN, financials (usually last 2 years tax returns), and equipment quote.
Most equipment finance applications receive conditional approval within 24-48 hours. Complex or high-value equipment may take 3-5 days. We'll negotiate the best rate and terms.
Lender pays supplier directly. You take delivery of equipment and start using it immediately. If Chattel Mortgage, claim GST on your next BAS.
Pay monthly, quarterly, or seasonally. Claim interest and depreciation (or rental payments for hire purchase) as tax deductions. Own the equipment outright at loan end.
Tax deductible structures. Fast approval. Expert brokers.