The structure matters as much as the asset
Asset finance is not one-size-fits-all. How you finance an asset affects your cash flow, your tax position, and whether you own the asset at the end. Choosing the wrong structure means paying more than you need to or missing out on benefits that suit your business.
Chattel mortgage
The lender holds a mortgage over the asset until it is paid in full. You own the asset from day one, claim GST upfront on the purchase price, and can set a residual (balloon) payment to reduce monthly repayments. Chattel mortgages suit businesses that want ownership and upfront tax benefits.
Finance lease
Similar to renting, except you own the asset at the end of the term after a residual payment. GST is claimed on each payment rather than upfront. Finance leases suit businesses that prefer to spread the GST benefit across the term.
Operating lease
You pay a monthly fee for access to the asset but do not own it. At the end of the term, you can upgrade, extend, or return the asset. Repayments are 100% tax deductible. Operating leases suit businesses that want flexibility and regular upgrades.
Hire purchase
The lender purchases the asset and hires it to you over an agreed term. You take ownership once all payments are made. Hire purchase suits businesses that want a straightforward path to ownership with fixed repayments.
The right choice depends on your business
Your industry, your tax position, whether you want to own the asset, and how long you plan to use it all affect which structure works best. We assess your situation and recommend the approach that makes the most sense.
Asset Finance services
Equipment finance
Machinery, plant, tools, technology, and office fit-outs. Whether you are replacing worn-out equipment or investing in new capacity, we structure finance that matches your business cycle and cash flow.
Vehicle finance
Cars, utes, trucks, vans, and fleet vehicles for business use. We arrange chattel mortgages, leases, and business car loans across multiple lenders. Single vehicles or entire fleets.
Medical equipment
Specialist finance for medical and dental practices. Diagnostic equipment, treatment chairs, imaging systems, and practice fit-outs. We understand the high-cost, long-lifecycle nature of medical equipment.
Construction equipment
Excavators, loaders, cranes, scaffolding, and heavy vehicles. Construction businesses need equipment finance that accounts for seasonal work patterns and project-based cash flow. We structure finance accordingly.
