Business Equipment Finance
Commercial equipment loans — get the vehicles and machinery needed to get the job done.
Access Equipment Loans From $10,000 and Up
Looking to upgrade or purchase a business vehicle, equipment or machinery? At Dark Horse Financial, we help Australian businesses access asset and equipment finance solutions tailored to suit their individual business needs.
With flexible lending criteria, we are able to cater to a wide range of businesses.
Looking to upgrade or purchase a business vehicle, equipment or machinery? At darkhorsefinancial.com.au, we help Australian businesses access asset and equipment 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.
Quick Enquiry!
Finance available for most types of business assets
✔ 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 Equipment Finance
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.
Bad Credit Loans
Low doc and no doc equipment finance solutions
Applicants with ATO tax debt
Businesses going through a restructure
No minimum time in business
Cash Flow-Friendly Repayments
Strategic structuring for both small business equipment finance 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
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 — so the loan approval rate through Dark Horse Financial is much higher than with other lenders. You can get no or low doc equipment finance, options for bad credit, and more.
No Minimum Trading History
Bad Credit Products Available
No Minimum Credit Score
Business Loans for a Range of Financial Circumstances
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
A chattel mortgage is a name given to an equipment loan where the lender uses the purchased asset as security. If the borrower does not repay the loan, the lender can legally seize the security asset to recoup their losses.
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.
We can help you access finance for used and new assets. Assets of any age can be considered.
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.
