When it comes to growing your business, having the right equipment can make all the difference. But buying outright can put pressure on your cash flow. That’s where equipment finance comes in.
At Capital Plus Finance, we help Australian businesses secure funding for everything from trucks and trailers to gym equipment, medical devices, and shop fitouts. Here’s what you need to know about equipment finance in 2025.
Why Use Equipment Finance?
Equipment finance gives you the freedom to grow your business without tying up capital. Here are just a few of the key benefits:
- Preserve Cash Flow: Keep your working capital intact for day-to-day operations, wages, or emergencies.
- Tax Benefits: Depending on your structure and purchase, you may be able to claim depreciation and interest as deductions.
- Fast Access to Equipment: In many cases, funds can be approved within 24–48 hours.
- Flexible Terms: Loan terms range from 12 to 84 months, with options for balloons or seasonal repayments to match cash flow cycles.
What Can You Finance Through Us?
Capital Plus Finance brokers funding for a wide variety of new and used equipment, including:
- Vehicles: utes, vans, trucks, trailers
- Construction Equipment: excavators, loaders, graders, bobcats
- Medical and Dental Equipment: chairs, scanners, sterilisation units
- Office Fitouts and Furniture: partitions, desks, computers
- Agricultural Equipment: tractors, sprayers, harvesters
- Hospitality & Retail Fitouts: coffee machines, POS systems, shop fronts
- Fitness Equipment: treadmills, bikes, full-gym setups
How Does It Work?
The process is simple and tailored to busy business owners:
- Provide an asset quote or invoice.
- We compare lenders across our 50+ panel to find the best deal.
- We lodge the application and assist with documentation.
- On approval, we coordinate settlement with the supplier so you get what you need—fast.
What Do Lenders Look For?
To assess your application, lenders typically look for:
- Your ABN and proof of trading history (6–12 months minimum is ideal)
- Business bank statements (usually the past 3–6 months)
- Details of the asset and how it will be used in your business
- Financial statements or BAS returns (in some cases)
- A clean credit file helps, but it’s not always required
Finance Structures Available
We tailor finance structures to your business goals. Options include:
- Chattel Mortgage: The most common structure—flexible, tax-effective, and asset-backed.
- Hire Purchase: Pay off equipment in instalments while using it from day one.
- Finance Lease: Lease the equipment with the option to buy at the end.
- Low-Doc & No-Doc Options: Ideal for small businesses without full financials.
Why Use a Broker Like Capital Plus Finance?
Our job is to take the stress out of securing finance. We don’t just help you apply—we guide you through the entire process and negotiate the best deal on your behalf.
We understand:
- Which lenders support new or seasonal businesses
- Who funds second-hand or specialist equipment
- Which lenders offer the fastest turnarounds or the best rates
Client Example
One of our recent clients, a landscaping contractor in regional NSW, needed a second-hand tipper truck. His bank declined due to the vehicle’s age, but we sourced funding through a lender on our panel that specialised in older assets—with a competitive rate and settlement within 48 hours. He was back on the road, serving clients, and growing his business without the red tape.
Let’s Get You Funded
If you’re looking to grow your business without hurting your cash flow, equipment finance could be the smartest next move. Whether you’re upgrading machinery, expanding into a new line of work, or replacing ageing tools, we’re here to help.
👉Book a meeting with the Capital Plus Finance team today and let’s find the right solution for you.
