Asset finance

Finance the asset, not just the purchase.

Vehicles, equipment and plant can be financed half a dozen different ways. The right structure depends on tax position, cashflow, end-of-term intent, and whether the asset is likely to hold value.

The structures

Chattel, lease, rental, CHP — what's the difference?

Chattel mortgage

You own the asset from day one, the lender takes a charge over it. Interest is deductible, GST is claimable on purchase, and depreciation flows through normally. The most common structure for business vehicle and equipment purchases.

Finance lease / rental

The lender owns the asset, you rent it over the term. Monthly payments are typically deductible as an operating expense. At end of term you either hand it back, renew, or buy it out at residual. Useful where you don't want the asset on the balance sheet.

Q&A

Asset finance FAQs

How fast can I settle an equipment finance deal?

For standard assets (vehicles, common equipment) with an established business, same-week settlement is possible with the right lender. Specialised equipment or complex borrowers take longer.

Is the GST on a chattel mortgage claimable upfront?

Yes, typically. Under a chattel mortgage structure the GST on the asset purchase is claimable in the BAS period of purchase, subject to normal GST rules.

Can I finance equipment I already own (sale and leaseback)?

Yes. Sale-and-leaseback is a common way to unlock capital tied up in existing equipment, especially during growth or acquisition phases.

Keep exploring

General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.

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