Equipment Finance
Chattel mortgage, finance lease or hire purchase — FinanceGPT finds the right structure and lender for your equipment finance needs.
Asset Types
Tractors, harvesters, irrigation systems and farm machinery. Specialist rural finance available.
Excavators, cranes, dozers and loaders. Finance up to 100% of equipment value.
Servers, manufacturing software, production systems. Finance with full opex flexibility.
Trucks, trailers, forklifts and fleet vehicles under a chattel mortgage or finance lease.
Specialist health sector finance for diagnostic, dental and surgical equipment.
CNC machines, production lines, presses and printing equipment.
Finance Structures
Best for: Business owners claiming GST
You own the asset from day one. Claim input tax credits upfront; interest and depreciation are deductible.
Best for: Businesses preferring opex
The financier owns the asset during the lease term. Lease payments are fully deductible. Option to purchase at end.
Best for: Hire then buy at term end
Regular instalments with ownership transferring automatically at term end. No residual/balloon payment.
Best for: Short-term or rapidly-changing tech
True rental structure. Lower payments, off-balance-sheet treatment possible. Return, upgrade or buy at term end.
Get an instant estimate and check your qualification confidence.
Lender Network
Compare asset & equipment finance options across major banks, specialist lenders and finance providers.
Finance options may be available through leading Australian lenders and finance providers. Lender availability depends on individual circumstances and product eligibility.
Customer Reviews
“Needed to understand chattel mortgage vs finance lease for heavy equipment. The comparison tool saved hours of research.”
Marcus
Darwin, NT
“Financed our excavator through the platform. The guided process was surprisingly smooth for a large commercial deal.”
Karen
Newcastle, NSW
“Clear breakdown of what we'd pay on a 5-year term vs 7-year. Exactly what I needed to present to the business.”
Brett
Townsville, QLD
“The asset finance calculator is straightforward. I've used it multiple times for different pieces of equipment.”
Sandra
Geelong, VIC
“Helped me understand the tax position before I committed to a finance lease. Saved me from making an expensive mistake.”
Paul
Hobart, TAS
“Running a small haulage business, the commercial finance guide explained our options in plain language. Very useful.”
Denise
Cairns, QLD
Reviews reflect customer experiences using FinanceGPT calculators and finance journey tools.
How It Works
FinanceGPT makes it easy to understand your finance options, calculate repayments and connect with a specialist broker.
Tell us a little about yourself and a specialist broker will compare options across 40+ lenders to find your best rate — free of charge.