Equipment finance

Having the right equipment is essential for business growth.

Whether it’s the purchase of a new vehicle or manufacturing plant, or energy efficient equipment, our lending specialists can help you decide what’s the best option for your business now, and in the future.

Equipment Loan

You own the asset and purchase it with a loan, using the equipment as security.

Usually no deposit is required.

As you own the asset, you may be entitled to claim GST input tax credits, depreciation and interest expenses.

*Flexible and tailored repayment structures depending on your cash flow needs.

A balloon payment may be included at the end of the term depending on the asset age and type.

Finance Lease

We purchase and own the asset and lease it to you for an agreed period. You may make an offer to purchase the asset at the end of the term.

100% finance of the purchase price (deposits not permitted).

*We own the asset and often the entire rental payment is tax deductable for you.

Flexible and tailored payment structures depending on your cash flow needs.

A mandatory residual at the end of the term means you will benefit from lower rental instalments.

Asset Purchase

We purchase and own the asset, and you buy it from us by paying agreed instalments over an agreed period. Upon final payment ownership of the asset transfers to you.

Usually no deposit is required.

*We own the asset however you may be entitled to claim GST input tax credits, depreciation and interest expenses.

Flexible and tailored repayment structures depending on your cash flow needs.

A balloon payment can be included at the end of the term.

Novated Lease

Works like a finance lease and is designed specifically for employee motor vehicles that form part of a salary package arrangement.

100% finance of the purchase price (deposits not permitted)

We own the vehicle and at the end of the term you may make an offer to purchase it.

*Repayments made by your employer out of your pre-tax salary.

A mandatory residual at the end of the term means you will have lower rental instalments.

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Things you should know

*As the taxation and accounting treatments of various finance products may vary, we recommend you seek independent expert advice before choosing an option – feedback from over 80,000 businesses and/or retail customers January 2021 through December 2021.

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Equipment finance