Equipment Finance in Sydney
Equipment finance lets your business use machinery, tools or technology now and pay over time, keeping cash free for running the business. We compare equipment lenders for new and used assets and explain which structure suits your cash flow and tax position.
Reviewed by Vikas Gupta, MFAA member · Updated
What we finance
- Construction and earthmoving machinery
- Trade tools and workshop equipment
- Medical, dental and allied-health equipment
- Hospitality and commercial kitchen equipment
- IT, phones and office fit-outs
- Agricultural and manufacturing equipment
Finance options compared
| Option | Who owns it | Typical features |
|---|---|---|
| Chattel mortgage | You, from day one; lender holds security | Fixed repayments; optional balloon; GST-registered businesses may claim GST upfront |
| Finance lease | Lender, until you pay the residual | Lease payments; option to buy at end |
| Hire purchase | Lender, until final payment | Ownership passes when paid in full |
| Rental / operating lease | Lender | Upgrade at end of term; no ownership |
Tax treatment differs for each option. Confirm with your accountant before choosing.
What lenders look for
- ABN and GST registration, ideally 2+ years trading (some lenders accept less)
- Business bank statements or financials, depending on the loan size
- Supplier invoice or quote for the equipment
- Clean credit history for the business and directors
Equipment finance questions
Can I finance used equipment or a private sale?
Often yes, subject to the asset's age and an inspection or valuation.
How quickly can it be approved?
Smaller, low-doc deals can be approved within days. Larger deals need full financials. Approval times depend on the lender.
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Related services
Get an equipment finance quote — 0402 597 375.
Book a free chatGeneral information only. We don't provide tax advice. Lending criteria, fees and charges apply.
Helping clients in Gladesville and across Sydney
We're based in Gladesville, NSW 2111, and meet clients in person across the Ryde, Hunters Hill, Canada Bay and Lane Cove areas — or by phone and video anywhere in Sydney and Australia.
- Gladesville
- Hunters Hill
- Ryde
- Putney
- Tennyson Point
- Boronia Park
- Huntleys Point
- Henley
- Drummoyne
- Five Dock
- Abbotsford
- Concord
- Meadowbank
- West Ryde
- Ermington
- Denistone
- Eastwood
- North Ryde
- Macquarie Park
- Lane Cove
- Epping
- Rhodes