Equipment Finance: Fund Tools, Plant & Machinery
Equipment finance lets a business fund tools, plant, machinery or other equipment without paying the full cost upfront — you spread the cost over the asset's working life, and the equipment itself is generally the security. It's available to ABN holders and suits any trade or business that relies on gear to do the work.
Quick, simple
Excavators, diggers & earthmoving plant
Trucks, trailers, tippers & truck bodies
Power tools & workshop equipment
Generators, compressors & pumps
Hospitality, fit-out & commercial kitchen gear
IT, office & point-of-sale equipment
Ways To Structure Equipment Finance
Chattel Mortgage
You own the equipment from day one and the lender takes security over it. Fixed repayments make budgeting easy, and depending on how the gear is used there may be GST and depreciation benefits — check with your accountant.
Lease & Rental
Use the equipment for a set term and pay a regular amount, keeping a big upfront cost off the table. This covers finance lease and operating lease variants — a broker can explain which suits how long you’ll keep the gear.
Hire Purchase
The lender buys the equipment and you hire it with regular payments. Once the term is paid out, ownership transfers to you — a middle ground between leasing and owning outright.
What You’ll Need
Your ABN, ID, and basic details of the equipment and supplier. Larger or full-doc deals may ask for financials or bank statements; many smaller deals can be done on low-doc terms. A broker tells you exactly what applies.
New Or Used Gear
You can finance brand-new equipment from a dealer or used gear from a dealer or private sale. Age and condition can affect the term and rate offered, so it’s worth checking before you commit to a purchase.
The Tax Side
Different structures are treated differently for GST, depreciation and deductions, and the instant asset write-off may apply in some cases. The right setup depends on your situation — always confirm with your accountant or tax agent.
Why Tradies Use Equipment Finance
Get the gear earning sooner. Finance lets you put the equipment to work straight away rather than waiting until you’ve saved the full amount.
Repayments that suit your cash flow. Terms can be matched to how the asset earns, with options for seasonal or uneven income.
Possible tax benefits. Depending on the structure, repayments, interest or depreciation may be deductible — confirm the detail with your accountant.
How Equipment Finance Works
Tell Us What You’re Buying
Give us the equipment, the supplier and roughly what it costs.
Send A Few Details
Your ABN and ID to start — financials or statements only if the deal calls for it.
We Shop It Around
We compare lenders to find a structure and rate that fits how you work.
Talk It Through
A broker walks you through the options and answers your questions — no jargon.
Assessment
The lender reviews the application and confirms the terms on offer.
Sign Off
Review and sign the finance documents once you’re happy with the terms.
Funds Released
The supplier gets paid and the gear is yours to put to work.
Why Tradies Choose Tradie Finance
We work with tradies and small businesses every day, so we know the gear and we know the lenders. One point of contact: a broker who handles the legwork and keeps you posted. Choice of lenders: we compare options to match the structure and term to your job, not a one-size deal. Straight talk: clear answers on what’s involved, what it’ll cost and what to expect — no jargon, no runaround.
Equipment Finance FAQs
Get Your Equipment Finance Sorted
How much do
Equipment Finance for ABN Holders
Equipment finance is available to ABN holders across any trade or industry. If you run a business with an active ABN, you can usually finance the tools, plant and machinery you need — new or used. Newer ABNs and businesses without full financials still have options through low-doc equipment finance, and many ABN holders own the asset from day one with a chattel mortgage. Equipment finance is one part of our broader asset finance range, which also covers vehicles, plant and low-doc structures. Approval is subject to lender criteria and your circumstances.
General information only — not financial, credit or tax advice. Tradie Finance operates under Australian Credit Licence 506065 (Five Tees Pty Ltd). Lending is subject to approval, terms and conditions.
Commercial Equipment Finance
Commercial equipment finance is simply equipment finance arranged for a business or ABN holder. This Equipment Finance page remains the home for funding plant, tools, machinery and fit-out — “commercial equipment finance” describes the business-use side of it, structured for GST-registered buyers and most often written as a chattel mortgage or commercial hire purchase. If you run a business and need to fund equipment, you are in the right place. There is a dedicated page for equipment finance in Brisbane if you are buying equipment for a South East Queensland business.
Fitting out a venue rather than buying plant? Hospitality and commercial kitchen equipment finance covers cooking, refrigeration, coffee and food-prep gear on the same commercial structures, and equipment finance rates explains what shapes the cost before you compare quotes.
How commercial equipment finance is usually structured
- Chattel mortgage — you own the asset from day one; the lender takes security over it. See our chattel mortgage page.
- Commercial hire purchase — the lender buys the asset and hires it to you until the final payment. See commercial hire purchase.
- Finance lease or rental — use the equipment for a set term with a residual or return option.
- Low-doc — streamlined approval for established ABNs; see low-doc loans.
Equipment finance across industries
The same commercial equipment finance applies across trades and sectors — from earthmoving and agriculture through to healthcare. For asset-specific detail see medical equipment finance, excavator finance and tractor finance and food truck finance.
Commercial equipment finance sits under asset finance — our canonical home for all business asset lending — and alongside our wider business finance options.
Common questions
Is commercial equipment finance different from equipment finance? No. It is the business-use side of the same equipment finance — the structures and lenders are the same, framed for GST-registered buyers.
Can I claim GST and depreciation? Businesses can often claim GST and depreciation depending on the structure and how the equipment is used. This is general information, not tax advice — confirm with your accountant.
All figures indicative only and subject to approval, lending criteria, fees, terms and conditions. Tradie Finance operates under Australian Credit Licence 506065 (Five Tees Pty Ltd).
Apply now or speak to a broker for a commercial equipment finance quote.