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Secure Hard-Working Equipment Leasing

We source hard-working Equipment Leasing at lower rates ensure our clients achieve the ROI they expect when acquiring new assets. This is a widely used and extremely effective commercial financing off-balance facility that suits many industries, operators and types of plant, machinery and devices. From heavy vehicles in mining through to delicate, precise technology used in the medical and engineering sectors – we can provide a cost-effective, tax-optimised solution that works hard for your operation.

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Compare Equipment Leasing Interest Rates
Compare Lower Equipment Leasing Interest Rates

The interest rate applicable to asset acquisition credit facilities varies across the available products. Clients can compare the lower rates across our portfolio as evidence of our capabilities to achieve more affordable outcomes. Rates can vary for different machinery, industries and individual client profiles. Contact us for a specific rate and quote, sourced to meet your exact specifications.

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Disclaimer: This interest rate comparison table is provided solely for the purpose of comparing the interest rates currently applicable on different commercial finance facilities. Use of the calculator element of the table is not an application for lending and any results displayed are not an offer of lending or an indication that a loan application has been approved. Broker and lender fees and charges are not all included in the calculations. A leasing or other loan offer made to you may be different in repayments and interest rates from those displayed.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Effortlessly Estimate Equipment Loans with Our Calculator

How to Fast Equipment Leasing Estimates with Loan Calculator

To compare makes and models, prepare budgets and plan for major asset acquisitions, use our online calculator to obtain fast repayment estimates. Vary the amounts entered to arrive at a combination which delivers the repayment amount preferred to be ready to brief us as to your requirements.

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Ideal Solution for Your Venture
Is Equipment Leasing the Right Solution for You?

The selection of commercial credit facilities for asset acquisitions vary in structure, format, tax deductions and suitability to accounting methods and balance sheet strategy. Clients are advised to consult with their accountant on which is the most suitable solution for their set-up.

Contrary to what the name may imply, Lease is a funding facility which facilitates the acquisition of assets. It is not a short term rental or hiring agreement it is an agreement to purchase assets.

It is an off-balance sheet format as the ownership of the assets remain with the lender over the credit term and the goods are leased back to the borrower. The borrower makes monthly payments and when all commitments are finalised, ownership is transferred to the borrower. This format is utilised by operators that prefer not to have a large asset entered as an asset/liability in their balance sheet.

  • Off-balance sheet facility
  • Suitable to the accruals method of accounting
  • Fixed interest rates
  • Fixed terms
  • Tax deductible fixed monthly payments
  • Residual option

Expert Equipment Leasing Services for Your Venture
How to Connect with Expert Equipment Leasing Services

Operators across all industries and all of Australia can connect directly with us to utilise our specialist services, no referral required. As specialists in commercial credit, we have the smart technology, acute enterprise acumen and the extensive experience to deliver custom outcomes for clients across Australia.

Over our 20+ years in the commercial lending sector, we have built a reputation with our clients for superior service and outcomes and leverage with our lenders that we utilise to achieve lower rates for clients.

Based right here in Australia, our brokers are highly trained and skilled with in-depth knowledge of many industries and the specific nuances of the different Australian commercial entities. We work with all types of set-ups – new and long-running, SMEs and large corporations, sole traders and self-employed, with and without financials. Simplifying the entire process of achieving workable funding that specifically targets key objectives.

  • Specialist service and expertise
  • Commercial lending professionals
  • Experience across Australian industries
  • Access to clients across Australia
  • Custom solutions, individually sourced and negotiated
  • SMEs, Sole Traders, Owner-Operators, Large Corporates
  • No referral required, connect direct
Interest Rates for Equipment Finance Loans

Quickly Connect with the Right Equipment Lease Lenders for Fast Access
Fast Access to the Right Equipment Lease Lenders

Asset acquisition lending is a large sector with both general and specialist lenders. We have accreditation with over 80 lenders including those that specialise in key industries and in funding for specific machinery categories. We provide immediate access for our clients to key non-bank lenders that operate only through select brokers.

Access which can be the crucial difference in achieving a good outcome or the most cost-effective, workable solution at the lowest rates and negotiated conditions.

  • Access to 80+ Lenders
  • All Major Banks
  • Specialist Non-bank Lenders
  • Sector-specific Lender Access
  • Industry-only Lenders
Access Tax-Efficient Equipment Leasing Options

Tailored Equipment Leasing Solutions
Get Tax Optimised Equipment Leasing Solutions

Our brokers have the financial acumen to understand balance sheets, cash flow, targeted ROI and structure funding to meet specific objectives. We are across the latest rulings in regard to taxation to assist clients achieve a tax-optimised solution.

  • Tax deductible Repayments
  • GST applicable to Repayments
  • GST claimed on relevant BAS
  • Treatment of residual per ATO rulings
  • Interest payments ex-GST and tax deductible
  • GST registration not essential
Professional Lease Equipment Solutions

Efficiently Source Equipment Leasing
How to Source Equipment Leasing Without Financials

We assist operators that do not have all the financials and documentation to meet criteria of some lenders to achieve workable funding arrangements. Affordable rates and workable conditions can be achieved by our specialist brokers working directly with specialist lenders in your industry sector.

  • No Docs Equipment Leasing
  • Low Docs Equipment Leasing
  • New Commercial Equipment Leasing
  • Start- up Commercial Equipment Leasing
Equipment Loans and Financing Solutions

Explore the Wide Range of Equipment Options
Types of Equipment for Leasing

The description of ‘equipment’ in the lending sector is an all-encompassing description. In general terms, all kinds of assets which are for use in a commercial operation can be acquired with this form of funding.

  • Wheeled and Yellow Goods
  • Heavy Vehicles and Excavation Machines
  • Agricultural and Farming Machines
  • Manufacturing and Engineering Plant
  • IT, Tech Devices and Systems
  • Medical Technology and Devices
  • Security Systems Hardware Installations
  • Logistics, Distribution and Materials Handling Machines
  • Health, Fitness, Beauty Services
  • Retail and Wholesale Fittings and Fitouts
  • Hospitality, Bar and Catering Equipment

Experience Swift Approvals for Equipment Lease Loans
Fast Approvals on Lease for Equipment

We know the challenges faced by many Australian operators in sourcing affordable funding. Primarily, the downtime which can be required to source quotes, make endless calls, wait for callbacks and deal with the details of paperwork.

We handle all that to ensure fast application processing and fast approvals and a shorter time for essential assets to be operational and working hard to deliver productivity improvements, increased efficiency and a better bottom line for your operation.

Specialists in Equipment Financing with Extensive Lender Choices

Access Affordable Leasing Options
Get Affordable New and Used Equipment Leasing

Our specialists source and structure arrangements to suit all kinds of purchases of both new and used assets. If buying at auction or ordering at a field day or industry expo, speak with us prior to have your funding secured ahead of time.

  • Single machine funding
  • Structured funding for entire fleet upgrades
  • New and Used Machinery Funding
  • Dealer, Private and Auction Acquisitions

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FAQs
Equipment Leasing FAQs

With equipment leasing the lender retains ownership of the goods being leased. As such the lender would claim the GST on the purchase price. GST is then charged on the monthly lease payments excluding the interest portion of the payment. The GST is claimed on the relevant BAS return by the borrower.

There are two types of accounting methods used by an enterprise – accruals and cash accounting. With the cash method, the payments received and payments made by the entity are recorded in the accounts on the date of the transactions. On the other hand, with the accruals method, the accounts payable and accounts receivable are entered into the books or accounts when the invoice is received or issued. Invoice amounts are entered when the invoice is issued to the customer. Bills owing are recorded as debits when received, whether paid at that time or not.

Equipment leasing interest rates displayed by lenders would typically be the best rates available, for new goods and for enterprises with good credit. In order to receive an exact interest rate, an application would need to be processed and quote requested from a lender. Interest rates offered are assessed based on the application details and the goods being acquired. Rates may vary on equipment based type and industry.

The lender retains ownership of goods under lease until all payments are finalised. When all the monthly lease payments are finalised and the residual paid out, the lender transfers ownership to the borrower.

Yes. Leasing is widely used for the purchase of motor vehicles, both new and used, of all kinds. The suitability of a finance product is considered in regard to aspects of the borrowing enterprise. These aspects can include the accounting method, approach to the balance sheet, treatment of GST and tax and general financial objectives.

To select the most appropriate type of finance, enterprise owners are encouraged to refer to their accountant or financial advisor. The decision is based on compatibility and suitable of leasing or another product for the objectives of the enterprise; the method of accounting used; the approach taken by the business to taxation including GST; and the balance sheet approach.

Yes. Lease payments are classified as a business expense by the ATO and are tax deductible. The payments made in a financial year are treated as deductions when the annual accounts and business tax return is prepared at the end of the financial year.

The interest rate on equipment leasing is a fixed interest rate. The rate remains fixed and unchanged for the full term of the lease. The rate does not vary or change when the Reserve Bank makes changes to the official cash rate or when the lender changes the rates offered.

The selection of asset acquisition finance products attract different interest rates which may be used as a gauge as to the cost of the loan. The lowest interest rates usually apply to Chattel Mortgage and Hire Purchase. The interest rate for leasing is typically higher than these but lower than Rent to Own.

Yes. Refinancing is the process of replacing an existing finance arrangement with a new loan. When refinancing is applied for, the enterprise owner may select which is the most appropriate form of finance for their venture and the goods being refinanced.

Being registered for GST is not a pre-requisite to being eligible for commercial loans including leasing. Applicants must hold a current ABN and produce identification.

The minimum and maximum loan amounts for leasing vary across the lending market and will depend on aspects of the individual finance application. Lenders will have their own guidelines as to the minimum and maximum amounts they offer in leasing. The assessment of the application in the approval process will also determine the leasing amount approved for an individual enterprise.

Yes. Leasing is widely used for financing both new and used vehicles of all types. The age and condition of the vehicle will form part of the application approval process and this may influence the interest rate offered, the leasing term and the loan amount approved.

Leasing rates can vary depending on the assets being financed, the industry sector and specifics of the borrowing business. The interest rate offered by a lender for motor vehicles may vary from the rate offered for equipment.

All commercial entities with an ABN may apply for commercial funding facilities. That includes sole traders, self-employed, SMEs and large organisations. The suitability of a particular funding product to a particular enterprise depends on compatibility with accounting practices and objectives.