Grow Your Business Without Draining Your Cash
Equipment finance lets you acquire the assets your business needs without tying up working capital. We compare lenders and structure the right facility for your cash flow.
The Right Finance Preserves Capital and Reduces Tax
Smart equipment finance keeps your cash in the business, makes repayments fully tax-deductible, and lets you access the equipment you need today - not when you've saved for it.
Equipment Finance Snapshot
Equipment Finance - Start to Delivery
We understand business timelines. We move fast.
Identify the Equipment
Tell us what you need - make, model, supplier, cost. If you're still shopping, we can issue pre-approval first.
Structure Selection
We recommend the most tax-efficient and cash-flow-friendly structure for your business - chattel mortgage, lease, or hire purchase.
Approval
We submit to the right lenders for your business profile. Most approvals come through within 24 - 72 hours.
Settlement & Delivery
Funds go to the supplier. Equipment is delivered. You start using it immediately.
Who Can Apply for Equipment Finance?
Equipment finance is available to most business operators. Strong candidates include:
- Businesses with an active ABN (typically 12+ months trading)
- Sole traders, companies, partnerships, and trusts
- Both GST-registered and non-GST-registered businesses
- Businesses purchasing vehicles, plant, machinery, technology, or tools
- Start-ups or newer businesses (with the right supporting documentation)
Equipment Finance FAQs
With a chattel mortgage, you own the asset from day one and the lender holds it as security. With a finance lease, the lender owns the asset and you lease it. Chattel mortgages are typically better for GST-registered businesses wanting to claim the full input tax credit upfront.
Yes - most lenders finance used equipment, though age and condition affect what they'll fund and at what rate. We know the lenders with the most flexible used-equipment policies.
Typically: ABN, business financials or bank statements, the supplier invoice or quote. Some lenders offer low-doc or no-doc options based on ABN history and credit profile.
The ATO's instant asset write-off allows eligible businesses to deduct the full cost of assets in the year of purchase (up to the current threshold). We structure the finance to align with this. Your accountant should confirm eligibility.
Newer businesses have fewer options but it's not impossible. Some specialist lenders will consider startups with a strong business plan and/or personal guarantees. Contact us and we'll be honest about what's available.
Talk to an Ignite Broker Today
Whether you're ready to apply or just exploring your options - we're here to help with no obligation.
Book Your Free Consultation
A no-obligation chat with Ali or one of our team. We'll walk through your options and give you a clear picture of what's possible.
Or call 08 8379 3636