Equipment finance lets your business buy the vehicles, machinery and gear it needs without paying the full cost upfront, spreading it over the asset’s working life instead.
That keeps cash in your business for day-to-day operations, while the equipment starts earning straight away. Eligible assets may also qualify for the instant asset write-off and GST claims.
As your Perth broker, The Finance Yogi arranges equipment finance that protects your cash flow and suits your tax position.
Rather than draining your cash or overdraft to buy equipment, finance lets you pay it off while the asset generates income. The repayments are structured to match the equipment’s useful life.
Most businesses use a chattel mortgage, lease or hire purchase, each with different ownership and tax outcomes. The repayments, interest and depreciation can usually be claimed as deductions, improving your after-tax cost.
For eligible assets, the instant asset write-off – now a permanent $20,000 per asset from July 2026 for small businesses – can let you deduct the cost immediately.
Buying equipment outright ties up cash you could use to grow.
Financing it, with the right structure, keeps your business liquid and your tax efficient – and we compare the whole market to find the sharpest deal.
The combination of cash-flow protection and tax benefits is why most growing businesses finance equipment rather than buying outright.
Not sure which structure suits you? Our chattel mortgage vs lease guide compares the options.
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Depending on the structure, you can claim the GST on the purchase, the depreciation of the asset, and the interest portion of your repayments as business deductions.
Eligible small businesses can also use the instant asset write-off to immediately deduct the cost of assets under the threshold, rather than depreciating them over years – a meaningful cash-flow and tax benefit.
Important: tax outcomes depend on your business and structure, so confirm with your accountant. We explain the options on our equipment finance broker Perth page.
Almost any business asset can be financed – commercial vehicles and trucks, manufacturing and trade machinery, medical and office equipment, technology, and shop or office fit-outs.
Both new and quality used assets qualify, with the lender and term matched to the asset’s age, type and value so the finance makes commercial sense.
If it helps your business earn, we can usually finance it. See the full service on our equipment finance broker Perth page.
Arranging finance is straightforward. We confirm what you want to buy, review your business cash flow and tax position, and recommend the right structure – chattel mortgage, lease or hire purchase.
Then we compare lenders on rate and term, lodge the application, and coordinate settlement with your supplier so the asset is ready when you need it.
Once approved, the funds go to your supplier and the asset is yours to use. For the full picture, read our complete equipment and asset finance guide, or explore our finance services.
Book a free, no-obligation chat and we will arrange finance that keeps your business liquid.
Source: business finance guidance from business.gov.au, and instant asset write-off details from the ATO. Tax is specific – confirm with your accountant.
