Equipment Finance

Finances 4U arranges business and asset finance for North Brisbane operators, from a single ute to a full plant upgrade. We compare lenders to match the finance to your equipment and your cash flow, with quick approvals and structures built for business: chattel mortgage, lease or hire purchase.

Why talk to us

• No obligation, and approvals are usually quick

• Market-leading rates across a wide panel

• Bad-credit equipment finance available

• 100% finance and balloon-payment options

• Chattel mortgage, operating lease and hire purchase, set up to suit your books

Agriculture

Finance for the productivity of your farm, whatever the size or type of operation, from tractors and headers to irrigation and silos.

Heavy machinery and mobile plant

Excavators, loaders, cranes and the rest, financed with terms that match how the gear earns its keep.

Office and IT

Fit-outs, computers, servers and software, financed so you can upgrade without a hit to working capital.

Trucks and vehicles

Flat-beds, curtain-siders, prime movers and vans, on chattel mortgage or hire purchase at sharp rates.

Point-of-sale systems

From a single register to back-office hardware and mobile setups for retail and hospitality.

Bad-credit equipment finance

Past credit issues do not have to stop the business moving. Specialist lenders look at the wider health of the business, and we know who to approach.

Which finance type suits you?

• Chattel mortgage: you own the equipment from day one and the lender takes security over it. Often suits businesses registered for GST.

• Finance or operating lease: you effectively rent the asset for a term, with options at the end.

• Hire purchase: you hire the asset and own it outright once the final payment is made.

Which is right comes down to how your business accounts for assets and your tax position, so we talk it through with your accountant where it matters.

How it works

1. Tell us what you need. The equipment, the supplier quote, and a bit about the business.

2. We compare and structure. We match a lender and a structure (chattel mortgage, lease or hire purchase) to your cash flow.

3. We handle the approval. Paperwork sorted, usually fast.

4. We are here next time. Same again when you next upgrade.

What you'll need to get started

• Your ABN

• Basic business financials or recent bank statements

• Details of the equipment and the supplier quote

FAQ

• What is a chattel mortgage? A chattel mortgage is a common business finance product where you own the equipment from the start and the lender holds security over it until the loan is repaid. It often suits businesses registered for GST. We explain whether it is the right fit for you.

• Can I finance equipment with bad credit? Often, yes. Specialist lenders consider applications the banks decline, looking at the health of the business rather than one credit event.

• Can I get 100% finance with no deposit? In many cases, yes, and some facilities also allow a balloon payment at the end to lower your regular repayments. We show you the options.

• How fast can equipment finance be approved? It is often quick, sometimes within a day or two once we have your details and the supplier quote, depending on the lender and the size of the deal.

• Lease, hire purchase or chattel mortgage, which is best? It depends on how your business accounts for assets and your tax position. We explain the differences and, where it matters, sort it out with your accountant.