Equipment Finance Brisbane
Chattel mortgage, lease, and hire purchase options for machinery, vehicles, medical equipment, and IT.
Business Equipment Finance Solutions
The right equipment is essential for business productivity and growth, but large capital outlays can strain your cash flow. Australian Lending Group helps Brisbane businesses acquire the machinery, vehicles, technology, and specialised equipment they need through flexible finance solutions that preserve working capital and offer potential tax benefits.
We offer a full range of equipment finance structures, including chattel mortgages, finance leases, operating leases, hire purchase, and rental agreements, tailored to your industry, business structure, and financial objectives. Whether you are purchasing a single piece of equipment or outfitting an entire operation, we compare options from over 30 lenders to find competitive rates and terms.
From heavy machinery and commercial vehicles to medical devices and IT infrastructure, our experienced Brisbane-based brokers understand the equipment needs of Australian businesses. We handle the application process, negotiate with lenders, and arrange fast approvals so you can get the equipment you need without unnecessary delays or cost.
Equipment We Finance
Finance solutions for every type of business equipment and asset.
Heavy Machinery
From excavators and loaders to cranes and earthmoving equipment, we arrange competitive finance for heavy machinery across construction, mining, agriculture, and manufacturing industries. New and used equipment financed with flexible terms.
Enquire NowVehicles & Fleet
Whether you need a single work vehicle or an entire fleet, we offer tailored finance solutions for utes, trucks, vans, and specialised commercial vehicles. Chattel mortgage, lease, and hire purchase options available to suit your business structure.
Enquire NowMedical Equipment
Healthcare professionals require specialised equipment to deliver quality patient care. We arrange finance for dental chairs, imaging machines, surgical instruments, practice fitouts, and other medical equipment with structures designed for healthcare businesses.
Enquire NowIT & Office Equipment
Keep your business technology current without a large upfront investment. We finance computers, servers, networking infrastructure, software licences, office fitouts, and telecommunications equipment with flexible terms and structures to match your upgrade cycle.
Enquire NowChattel Mortgage vs Lease
Understanding the key differences between these two popular equipment finance structures will help you choose the right option for your business.
| Feature | Chattel Mortgage | Finance Lease |
|---|---|---|
| Ownership | You own the asset from day one | Finance company owns the asset; you lease it |
| GST | Claim full GST credit upfront on purchase price | GST is included in each lease payment |
| Tax Deductions | Deduct interest and depreciation | Deduct entire lease payment as business expense |
| Balance Sheet | Asset and liability appear on balance sheet | May be off-balance sheet (operating lease) |
| End of Term | You own the equipment outright | Purchase at residual value, extend, or return |
| Best For | GST-registered businesses wanting ownership | Businesses wanting flexibility and lower payments |
The right structure depends on your business type, tax position, and cash flow requirements. Our brokers can help you determine which option delivers the best outcome.
Why Use a Broker for Equipment Finance?
Equipment finance has unique structures and tax implications. Here is why a broker adds value.
Preserve Your Working Capital
Equipment finance lets you acquire the assets you need without depleting your cash reserves. Keep your working capital available for day-to-day operations, unexpected expenses, or growth opportunities while spreading the cost of equipment over its useful life.
Potential Tax Advantages
Depending on the finance structure, you may be able to claim GST credits upfront, deduct interest and depreciation, or expense lease payments as a business cost. The instant asset write-off scheme may also apply. We help you choose a structure that aligns with your tax strategy.
Fast Approvals for Business
Many equipment finance applications can be approved within 24 to 48 hours for amounts under $150,000. We work with lenders who offer low-doc and fast-track approval processes for established businesses so you can get the equipment you need without delays.
Flexible Structures for Every Industry
We offer chattel mortgages, finance leases, operating leases, hire purchase, and rental agreements. Each structure has different ownership, cash flow, and tax implications. We recommend the option that best fits your business needs and industry.
Equipment Finance FAQs
Answers to common questions about equipment finance and leasing.
A chattel mortgage is a type of secured business finance where you own the equipment from day one and the lender takes a mortgage (security interest) over the asset. You can claim GST credits on the purchase price upfront, deduct interest payments, and depreciate the asset. It is one of the most popular equipment finance structures for businesses registered for GST.
With a finance lease, the finance company owns the equipment and you make regular lease payments for the right to use it. At the end of the lease, you can purchase the asset for a residual value, extend the lease, or return it. With hire purchase, ownership transfers to you after the final payment. The key difference is when ownership transfers and the associated tax and accounting implications.
Yes, most lenders will finance used and second-hand equipment, although the age and condition of the asset may affect the available loan term and interest rate. Some lenders have maximum age restrictions, typically requiring the asset to be less than 10 to 15 years old at the end of the finance term. We find lenders who can accommodate the specific equipment you need.
Many equipment finance options are available with no deposit required, offering 100% finance of the purchase price. However, providing a deposit of 10 to 20 percent can reduce your repayments and may help secure a more competitive interest rate. For higher-risk applications or older equipment, a deposit may be required by the lender.
The tax treatment depends on the finance structure. With a chattel mortgage, you can deduct interest and depreciation. With a finance lease, lease payments are generally deductible as a business expense. The instant asset write-off scheme (subject to current thresholds) may allow you to deduct the full cost of the asset in the year of purchase. We recommend consulting your accountant for advice specific to your situation.
Many equipment finance applications can be approved within 24 to 48 hours for amounts under $150,000. Larger or more complex applications may take three to five business days. Some lenders offer low-doc approvals for established businesses with strong trading histories, which can significantly speed up the process. We identify the fastest pathway based on your situation.
Finance Your Equipment Today
Complete the form and one of our equipment finance specialists will be in touch to discuss your requirements. We arrange competitive finance for new and used equipment across every industry.
- Approvals from 24 hours
- No deposit options available
- New and used equipment financed
- Chattel mortgage, lease, and hire purchase options