Finance Your Business Equipment
Equipment Finance Calculator
Rates last updated: 21 February 2026. Not all products from all lenders are available.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Finance for Every Type of Equipment
We specialise in financing all types of business equipment. Click to learn more about each category.
Excavator Finance
Rates from 5.99% p.a. (comparison 6.45% p.a.*). Finance from $20K to $2M.
- Finance from $20,000 to $2M+
- New and used excavators
- Chattel mortgage & hire purchase
Truck Finance
Rates from 5.49% p.a. (comparison 5.95% p.a.*). Finance from $15K to $500K.
- Finance from $15,000 to $500K+
- New and used trucks
- All makes and models
Forklift Finance
Rates from 6.49% p.a. (comparison 6.98% p.a.*). Finance from $5K to $200K.
- Finance from $5,000 to $200K
- Electric, LPG & diesel
- New and used forklifts
Medical Equipment Finance
Rates from 5.99% p.a. (comparison 6.45% p.a.*). Finance from $10K to $5M.
- Finance from $10,000 to $5M+
- All medical specialties
- New and refurbished equipment
Crane Finance
Rates from 5.99% p.a. (comparison 6.45% p.a.*). Finance from $50K to $5M.
- Finance from $50,000 to $5M+
- Mobile and tower cranes
- New and used equipment
Agricultural Equipment Finance
Rates from 4.99% p.a. (comparison 5.42% p.a.*). Finance from $10K to $2M.
- Finance from $10,000 to $2M+
- All farm machinery
- Seasonal payment options
Choose the Right Finance Structure
We offer multiple finance structures to suit your business needs and maximise tax benefits.
Chattel Mortgage
Own the equipment from day one. Claim GST upfront and depreciation over time. Best for GST-registered businesses.
- Own the asset immediately
- Claim input tax credit (GST) upfront
- Claim interest and depreciation
- Balloon payments available
Hire Purchase
Pay off the equipment over time, with ownership transferring at the end. Spread GST across the loan term.
- Own at end of term
- GST spread across payments
- Claim interest and depreciation
- Fixed repayments
Operating Lease
Rent the equipment with 100% tax-deductible payments. Return, upgrade, or purchase at the end of term.
- 100% tax-deductible payments
- Off balance sheet financing
- Upgrade flexibility
- Return or purchase at end
Finance Lease
Similar to operating lease but with intention to purchase. Good for longer-term equipment needs.
- Lower monthly payments
- Residual payment at end
- Tax-deductible payments
- Ownership at end of term
Not sure which structure is right for you?
Speak to an ExpertEquipment Finance Made Easy
We understand that equipment is the lifeblood of your business. That's why we've built relationships with specialist equipment lenders who understand your industry and can move fast.
24-Hour Approval
Get a decision fast so you can secure the equipment you need.
50+ Lenders
Access Australia's biggest panel of equipment finance specialists.
Tax Benefits
Structure your finance to maximise deductions and improve cash flow.
Expert Guidance
Dedicated equipment finance specialists guide you through every step.
Get Your Equipment Financed
- Rates from 4.99% p.a.
- 24-hour approval available
- New and used equipment
- $5,000 to $5M+ finance
- 100% free service
Trusted by Australian Businesses
See how we've helped businesses like yours get the equipment they need.
Needed an excavator urgently for a new contract. Your Finance Guide got me approved in 24 hours with a great rate. Couldn't have done it without them.
Financed our entire warehouse forklift fleet through these guys. Professional, fast, and the rate was better than our bank offered.
As a new business, I thought equipment finance would be hard. They found a lender who understood my situation and got me sorted.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Equipment Finance FAQs
What types of equipment can I finance?
What's the difference between chattel mortgage and operating lease?
Can I get equipment finance with bad credit?
How much deposit do I need?
Can I finance used equipment?
How long does approval take?
Ready to Finance Your Equipment?
Get a free, no-obligation quote in minutes. Our equipment finance specialists are standing by.