Equipment Finance Perth
From a single trade ute to a full plant fleet, equipment finance keeps your cash in the business while you get the tools you need to grow. We compare specialist asset lenders to find the right structure and rate.
Trucks & vehicles
Light commercial, heavy vehicles, trailers and specialised transport.
Plant & machinery
Construction, agriculture, manufacturing, hospitality and medical equipment.
IT & fit-out
Computers, software, POS systems and commercial fit-outs.
Chattel mortgage
The most common business asset finance structure. You own the asset from day one, take GST back upfront, and claim depreciation and interest as deductions. A balloon at the end can reduce repayments. Suits ABN-registered businesses.
Finance lease
The lender owns the asset and you make rental payments. Lease payments may be tax deductible. At the end, you can typically purchase the asset for its residual value, extend the lease, or upgrade.
Commercial hire purchase
You pay for the asset over time and take ownership at the end. Useful for businesses that want fixed repayments and to own the asset outright.
Low-doc options
Many equipment lenders offer low-doc approvals for established ABN holders (generally 2+ years trading) without full financials, using the equipment itself as primary security.
FAQs
How long can I finance equipment over?
Typically 1–7 years depending on the asset and its useful life. Heavy trucks and primary plant sometimes go longer.
Can I finance second-hand equipment?
Yes — most lenders finance used equipment subject to age, condition and valuation. Some specialise in used plant.
Do I need financials?
Not always. Low-doc options exist for established ABN holders. For larger facilities or newer businesses, financials strengthen the application.
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