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Equipment Finance in Australia
Equipment plays a critical role in how many businesses operate, from improving productivity to supporting growth and service delivery. Whether you’re upgrading machinery, purchasing specialist tools, or investing in new technology, the way equipment is financed can have a real impact on cash flow.
At Palisade Brokers, we help businesses secure equipment finance that aligns with how the equipment will be used and how repayments fit within day-to-day operations. Rather than tying up large amounts of capital upfront, we focus on funding solutions that support productivity without placing unnecessary strain on cash flow.
Because we’re broker-led, we compare lenders and finance structures to find options that suit both the equipment and the business. That means clearer advice, realistic expectations, and finance that works alongside your operations.
What Is Equipment Finance?
Equipment finance is a form of lending used to fund specific business equipment, where the equipment itself usually acts as security for the loan.
These arrangements typically involve:
- Finance secured against the equipment
- Repayment terms aligned to the asset’s working life
- Options for ownership or leasing
- Flexible structures depending on equipment type
Equipment finance allows businesses to access essential assets without large upfront costs.
What These Loans Are Commonly Used For
- Trade and construction equipment
- Plant and machinery
- Medical and healthcare equipment
- Manufacturing equipment
- Technology and office fit-outs
Where broader funding is required, structured Business Loans may be more appropriate.
How Equipment Finance Works
Equipment finance is structured around the asset being purchased and how it will be used within the business.
Common features include:
- Fixed repayment schedules
- Loan or lease options depending on preference
- Terms aligned to equipment lifespan
- Faster approvals compared to property-based lending
Choosing the right structure ensures repayments remain manageable while the equipment generates value.
Who Equipment Finance Is Best Suited For
Equipment finance may suit:
- Businesses upgrading or expanding operations
- Tradespeople and contractors
- Medical and professional practices
- Manufacturing and logistics businesses
- Businesses seeking to preserve cash flow
If equipment finance isn’t the most suitable option, we’ll help you assess alternative funding solutions.
Key Benefits of Equipment Finance
- Preserve working capital
- Spread the cost of equipment over tim
- Repayments aligned to asset use
- Faster approval timeframes
- Access to specialist lender options
Common Challenges (And How We Solve Them)
Choosing between loan and lease structures → We explain ownership and tax implications clearly.
Repayments not matching cash flow → We tailor terms to suit business income.
Financing specialised or high-value equipment → We work with lenders experienced in niche assets.
Unclear end-of-term outcomes → We confirm ownership options upfront.
Our Process at Palisade Brokers
- Initial Discussion
Understand the equipment, usage, and business needs. - Structure & Option Review
Compare finance types and lender options. - Application & Approval
Manage the process and timelines clearly. - Settlement & Ongoing Support
Support through settlement and future equipment upgrades.
Related Loan Options You May Want to Explore
Frequently Asked Questions
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Yes, many lenders will finance used equipment, subject to age and condition.
Speak with an Equipment Finance Specialist
