Business Equipment Finance Australia
Get the vehicles, equipment and machinery you need to scale your business stress free. Whether it’s a single asset or a $3M equipment line, get the finance you need to do business the way you want.
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What is Equipment Finance?
Equipment finance is a tailored loan or lease designed to help businesses acquire the equipment they need to operate and grow. Instead of paying the full cost upfront, you can spread the payments over time, preserving your working capital for other essential expenses. Whether you need commercial equipment financing for vehicles, technology, or heavy machinery, we’ve got you covered.
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What You Can Get With Commercial Equipment Financing
- Vehicles
- Trucks
- Excavators
- Food Manufacturing Equipment
- Telehandlers
- Posi Tracks
- Warehouse Automation Machines
- Industrial Blowers
- Yellow goods
- Scissor lifts manufacturing equipment
- New equipment
- Second-hand equipment
- And many more asset types
We're Able to Help People That Other Lenders Can't
No age limits with our small business equipment financing.
Many lenders have limits on the age of assets they will finance — preferring new or near-new equipment. But we do things differently! As long as the equipment being financed still has a useful life left, we have no limits on the age of the equipment being financed. We’re commercial finance specialists who focus on helping both small business equipment finance to assisting large-scale businesses forge their way to success. We ensure your commercial finance solution is tailored to your unique situation and wholeheartedly aligns with your business needs and goals.
Is it Hard to Get Equipment Financing?
We specialise in helping businesses of all sizes secure financing, even if you have limited credit history or unique circumstances.
- Options for those with less-than-perfect credit.
- Get low-doc and no-doc solutions.
- Solutions for those with ATO Tax Debt.
- Available financing for businesses going through restructuring.
- Equipment finance options for businesses of all ages.
Why Choose Dark Horse Financial for Your Business Equipment Financing Needs?
- Expert Advice: With more than a decade of expertise, we know all things equipment finance. We can get you the best options in Australia.
- Customised Solutions: We tailor loan solutions to your needs and financial situation.
- Fast Approvals: Get the funds you need quickly to keep your business moving forward.
- Competitive Rates: Get affordable equipment loans designed to fit your budget.
Ongoing Support: Our services continue beyond settlement—we’re here for you as your equipment needs evolve.
Looking to upgrade or purchase a business vehicle, equipment or machinery? At Dark Horse Financial, we help Australian businesses access asset and equiptment finance solutions tailored to suit their individual business needs.
Access Equipment Loans From $10,000 and Up
With flexible lending criteria, we are able to cater to a wide range of businesses.
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Cash Flow-Friendly Repayments
Strategic structuring for both small business equipment financing and large-scale businesses
By finding the right loan term, competitive equipment finance rates and finance amount, plus strategic structuring of your business finance, we ensure your regular repayments suit the cash flow needs of your business.
Balloon payments available for commercial equipment finance
To help with the serviceability of your loan, you can choose to have a balloon payment included in your equipment finance. A balloon payment is an agreed-upon lump sum paid at the very end of the loan. It helps to reduce your regular repayment amounts over the term of the loan. We can also help with balloon payment refinancing.
Eligibility Criteria for Equipment and Machinery Finance
If you’re a sole trader or business owner searching for the right equipment plant and equipment finance for your circumstances, you’ve come to the right place. While lending criteria apply, we can help you access lenders with flexible requirements. That’s why the loan approval rate through Dark Horse Financial is much higher than with others. You can get no or low-doc equipment finance, options for bad credit, and more.
How to Apply for an Equipment Loan
Applying for capital equipment financing with Dark Horse Financial is simple:
- Apply in Minutes: Reach out to our team to discuss your equipment needs and financial situation.
- Get a Quote: We’ll provide a tailored financing solution with competitive rates and favourable terms.
- Approval: Enjoy fast approvals and a hassle-free process.
- Funding: Once approved, the funds are released, and you can acquire your equipment.
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Unlock Equity in Your Existing Equipment with Equipment Financing
If you need to raise capital and have existing business equipment that you own outright, a sale and leaseback agreement can allow you to access the equity in your equipment.
This finance agreement is a type of equipment finance where the lender finances the asset (which is used as security for the equipment finance loan), and then you make repayments over the agreed-upon loan term. Rather than using the finance to purchase an asset for your business, you use the finance for whatever cash flow or capital needs you have.
Essentially, you are selling your asset to the lender, however, you retain control and use of the asset during the repayment period. Once the finance is repaid, it is once again your unencumbered business asset.
This type of finance can be a good way to raise capital equipment finance and is commonly used to repay tax debt.
The Temporary Full Expensing Scheme allows eligible businesses to claim an immediate tax deduction for the total cost of depreciating assets that meet eligibility criteria.
This scheme can be used to reduce taxable income in the financial year the asset is purchased, rather than depreciating the asset over a number of years (and claiming a deduction each year for the depreciation).
For example, if you purchase a $150,000 asset today, and meet the eligibility criteria, you could reduce your taxable income for the financial year by the entire $150,000.
The scheme could have a significant impact on reducing tax in the year the tax deduction is used.
FAQs for Business Equipment Funding in Australia
Chattel mortgage is a type of equipment financing where the equipment serves as the security for the loan. Business owners can access the equipment they need immediately while spreading the repayments over the term of the loan.
We offer a range of financing options, including chattel mortgages and leases, to help you acquire new equipment. Our team will work with you to find the best solution for your business.
Yes, we provide financing for both new and used equipment, so you can choose the best option for your budget.
Equipment finance allows you to preserve your cash flow, access the latest technology, and potentially enjoy tax benefits, making it a smarter choice for many businesses.
The interest expense and other related monthly fees and charges may be tax deductible when the asset is purchased for business purposes. Please seek independent tax advice for more info.
Nationwide Business Equipment Loan in Australia for Business Growth
Dark Horse Financial offers loan solutions across Australia providing essential financial support to businesses of all sizes including corporate and asset finance. These services cater to the diverse needs of businesses, whether it's for a start-up business to get on the right track with a small business loan, expand an existing business, or navigate through challenging times.
With a wide array of loan options and flexible terms, Dark Horse Financial ensures you get the best loans possible. Commercial business loan services are provided across Australia, including, business loans Melbourne, business loans Queensland, business loans Brisbane, and business loans Sydney just to name a few of our servicing locations.
