Equipment finance lets you acquire machinery, tools, technology and other business assets while spreading the cost over the asset's working life. The asset itself usually acts as security, which keeps pricing sharper than unsecured lending.
15 products from 9 lenders ยท Last checked 23 Sept 2026
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15 products from 9 lenders
Asset finance from $20K to $2M over 1 to 5 years for vehicles and business equipment, secured against the asset.
Asset finance from $20K to $750K over 1 to 5 years for vehicles and equipment, with no need to be backed by property.
Asset and equipment finance with a single application up to $1M, without needing tax returns or financial statements at that level.
Vehicle finance up to $1M for cars, trucks, trailers and yellow goods.
Equipment and vehicle finance from $50K to $1.5M over 2 to 5 years for GST-registered businesses trading for 2 years or more.
Equipment and vehicle loan from $250K over up to 5 years, arranged through a relationship banker, with fixed rates and repayments and an optional balloon.
Commercial finance agreement for businesses buying approved cars, trucks and equipment, arranged through accredited brokers.
Finance lease giving businesses use of approved vehicles and equipment without buying them outright, arranged through accredited brokers.
Green asset finance from $10K to $1M over 2 to 5 years for eligible equipment, plus EV or PHEV commercial vehicles and buses, through brokers.
Term loan up to $5M over 6 months to 3 years for existing Octet trade or invoice finance clients, for growth, equipment or refinance.
Commercial loan or chattel mortgage for equipment and vehicles such as trucks, machinery, fit-outs and commercial solar.
Finance lease where Pepper buys business assets on your behalf and leases them back to you for an agreed price over a set period.
Chattel mortgage finance over 2 to 5 years for new or pre-owned equipment and vehicles, sourced locally or overseas.
Vehicle and equipment finance up to $2M over up to 7 years, including cars, utes, vans, trucks and trailers.
Revolving equipment line up to $2M over up to 5 years for new or second-hand equipment and fit-outs, with monthly repayments.
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The main structures in Australia are the chattel mortgage, where you own the asset from day one, and the finance lease, where the lender owns it and you pay to use it. Each has different tax and GST treatment, so it is worth checking with your accountant.
You choose the asset and supplier. The lender funds the purchase and takes security over the asset. You repay over a set term, often with an optional balloon or residual payment at the end to reduce regular repayments.
A chattel mortgage is a loan to buy an asset, where you own the asset from the start and the lender takes a mortgage over it until the loan is repaid.
Many lenders fund used equipment, though limits on asset age and type vary. Check each product's details or ask us to find a lender that suits your asset.
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