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Equipment Finance Perth
Machinery & Equipment Loans Made Easy
Compare equipment finance options from 70+ lenders with support from a local Perth broker.
Whether you're funding machinery, business equipment, or refinancing existing assets, we’ll help you compare competitive finance options tailored to your cash flow and business goals.
Understanding Commercial Equipment Finance
Learn how commercial equipment finance helps businesses purchase or upgrade essential equipment while preserving cash flow.
Commercial Equipment Finance Explained
Commercial equipment finance helps businesses purchase the tools, machinery, and equipment they need to operate and grow without paying the full cost upfront.
Instead of using working capital to fund large purchases, businesses can spread the cost over time through structured repayments.
This type of finance is commonly used to acquire vehicles, construction equipment, manufacturing machinery, agricultural equipment, medical equipment, and technology systems. The equipment itself is often used as security for the loan, which can make it easier for businesses to access funding and potentially secure competitive interest rates.
Commercial equipment finance typically provides a fixed loan amount that covers the cost of the asset. The business then repays the finance over an agreed term, usually between two and seven years, with repayments structured to suit the business’s cash flow. Depending on the lender and finance structure, repayments may be weekly, fortnightly, or monthly.
There are several types of commercial equipment finance available, including chattel mortgages, finance leases, and operating leases. Each structure has different ownership, accounting, and tax considerations, which may influence the most suitable option for a business.
One key advantage of equipment finance is that it allows businesses to preserve cash reserves while still accessing the equipment needed to generate revenue. In many cases, businesses may also benefit from potential tax deductions or depreciation advantages, depending on the finance structure and applicable tax rules.
At Ausloans, our commercial finance specialists compare options from over 70 Australian lenders to help businesses secure equipment finance tailored to their operational needs and growth plans.
Asset & Personal Finance
What Can Equipment Finance
Be Used For?
Our marine finance is designed to support a wide range of recreational and marine purchases.
We regularly assist customers across the Perth metropolitan region with finance for:
Tools & Trade Equipment
Funding for essential tools, specialised trade equipment and operational assets used by tradies, builders and service professionals.
Plant & Machinery
Finance for excavators, loaders, forklifts, agricultural equipment and other heavy machinery used across construction, logistics and industrial sectors.
Commercial Vehicles & Trailers
Asset finance solutions for work vehicles, utes, vans, trucks and trailers required for daily operations.
Hospitality & Retail Equipment
Finance for commercial kitchen equipment, refrigeration systems, display units and specialised retail assets.
Technology Equipment
Support for business technology upgrades, office equipment and workspace improvements.
Calculate, Call or Check Your Finance Options
Choose the fastest way to move forward — estimate repayments, speak with our team, or check your finance eligibility with no obligation.
Estimate Repayments
Get a fast repayment estimate using our simple loan calculator, then continue to the full calculator for a more detailed breakdown.
Talk to Our Team
Speak directly with an Ausloans finance specialist for help comparing lenders, understanding your options, or getting started.
Check Your Eligibility
Complete a fast no-obligation pre-check to see if you qualify for finance and whether lenders are likely to be available for your situation.
Our Loan Process
How It Works
At Ausloans Perth our specialist finance brokers compare options from over 70 Australian lenders to secure finance that fits your goals.
Apply online in minutes
Complete our quick online application in minutes. Share a few details about yourself, how much you want to borrow and the asset you want to finance
Smart AI lender matching
Our smart AI compares lenders and accurately matches you to options suited to your credit profile - no generic offers or guesswork.
Broker review & submission
Yourbroker walks you through your best options, answers your questions and once you're ready, submits the application on your behalf. No long forms.
Approval & settlement
Approvals can occur within 24-48 hours. If approved we guide you through the settlement process so you can collect your vehicle or access your funds.
Local Finance Brokers
Why Finance With an Ausloans Perth
Broker
Getting approved isn’t just about credit scores — it’s about knowing which lender fits your situation. We consider factors such as:
Access to specialist business & commercial lenders
As a Perth based finance brokerage we understand the way West Australians earn. From PAYG employees and FIFO workers to contractors and self-emplyed business owners, we structure loans with lenders who recoginse WA income patterns and variable earnings.
Fiance for new and used assets
Whether your financing a vehicle or equipment in Perth for personal or business operations, the purpose of the asset can influence lender selection and loan structure. We ensure your loan is structured correctly from the start and aligned with your personal goals.
Fast digital application and assessment
Deposits are often not required for car loans and asset finance, but when available they can strengthen your application and improve overall loan structure. We structure asset finance solutions to maximise lender confidence and borrowing flexibility - with or without a deposit.
Pre-approval without obligation
Every lender views credit history differently and as experienced finance brokers, we know which lenders are best suited for strong credit applicants and which ones offer solutions for customers rebuilding their profile.
Perth based broker support
Whether you're buying a new or used car, boat, caravan or business equipment in Perth, we match the asset type and age with lenders whose policies best suit that specific purchase, ensuring a smoother spproval process. and the right loan structure from the outset.
Low doc Options
For business and commercail asset finance we assess your ABN history, company structure and financial position to identify lenders that specialise in supporting sole traders, partnerships and companies.
Equipment Finance For Perth Industries
Perth’s economy spans construction, agriculture,mining services, transport, retail, hospitality and professional services.
Businesses across these industries rely on efficient equipment and reliable finance structures to maintain momentum.
Ausloans Perth assists business owners throughoutPerth and wider Western Australia including.
- Perth CBD
- Fremantle
- Osborne Park
- Malaga
- Midland
- Canning Vale
- Surrounding commercial and industrial hubs .
Wherever your business operates within Perth, we help you explore asset finance options with clarity and confidence.
Finance Reviews
What Perth Locals Say
About Ausloans
See why West Australians love Ausloans Perth
Equipment Finance FAQs
Find answers to common questions about equipment loans, used equipment, startups, leasing, and what costs can be included in finance.
Equipment finance can be used to fund a wide range of business assets that generate income or support operations. In Australia, lenders commonly finance:
- Construction machinery such as excavators, loaders, and skid steers
- Agricultural equipment including tractors and harvesters
- Commercial kitchen equipment
- Medical and dental equipment
- Manufacturing and workshop machinery
- IT hardware and specialised technology equipment
The key requirement is that the asset must generally have a clear resale value and be used for business purposes.
Yes, many lenders offer finance for used business equipment, but they usually assess the age, condition, and resale value of the asset.
Common lender policies include:
- Equipment must usually be under 10–15 years old at the end of the loan term
- A valuation or supplier invoice may be required
- Private sale equipment purchases may need additional verification
Used equipment finance is often popular for businesses wanting to reduce upfront costs while accessing reliable machinery.
Yes, startups can often obtain equipment finance, particularly if the equipment is essential to the business generating income.
However, lenders may require:
- A larger deposit
- Director personal guarantees
- Evidence of relevant industry experience
Because the equipment itself acts as security for the loan, lenders may still approve funding even if the business is newly established.
Equipment can be funded through either a chattel mortgage or an equipment lease, depending on how the business wants to structure ownership.
For example:
- Chattel mortgage: The business owns the equipment from the start and may claim GST and depreciation benefits.
- Equipment lease: The lender owns the asset during the lease term, and the business pays regular rental payments.
The right option often depends on the business’s tax strategy and cash flow preferences.
Yes. Many lenders allow associated costs to be included in the finance amount when they are part of the equipment purchase.
These can include:
- Delivery and freight costs
- Installation and setup
- Extended warranties or service packages
- Essential accessories or attachments
Including these costs in the loan allows businesses to preserve working capital while fully deploying the equipment immediately.
Ausloans Perth
We Make Finance Easy
At Ausloans Perth our specialist finance brokers compare options from over 70 Australian lenders to secure finance that fits your goals.
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