TSC Mortgage Brokers
Equipment Finance Broker for Australian Businesses
Don’t lose money waiting for the equipment your business needs.
Access to the right equipment can directly impact productivity, profitability, and growth. Whether your business needs vehicles, construction tools, manufacturing machinery, medical equipment, or office fit-outs, the right equipment finance Australia solution helps preserve working capital while keeping operations moving.
At The Savings Centre, we help businesses compare flexible lending options across a broad lender panel to secure funding for both new and used business assets.
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Machinery Finance for Essential Business Assets
Many industries rely on expensive tools and plants to operate efficiently. Our machinery finance solutions help businesses spread the cost of high-value assets into manageable repayments.
This can include:
- excavators
- forklifts
- earthmoving machinery
- farming equipment
- workshop tools
- manufacturing systems
- printing machinery
- commercial fit-outs
Whether you are replacing outdated equipment or scaling operations, machinery finance supports long-term growth.
Equipment Financing Brisbane for Local Business Growth
Equipment Finance for Queensland Businesses
For Queensland businesses, equipment financing is ideal for fast-moving opportunities where timing matters.
Whether you need:
- trade vehicles
- hospitality equipment
- office technology
- dental machinery
- heavy transport assets
We help Brisbane businesses access flexible lending structures that align with cash flow.
Equipment Finance Sydney and Adelaide Solutions
Equipment Finance for Small Business
TSC Mortgage Brokers is based on the Sunshine Coast and has helped hundreds of Queensland businesses secure equipment finance for everything from earthmoving machinery to medical equipment. Whether you’re in Noosa, Maroochydore, Caloundra, or anywhere across Queensland, our brokers can work with you in person, over the phone, or online to find the right finance structure for your business.
Equipment Finance – We Come to You
We also support clients nationwide with:
- equipment finance Sydney
- equipment loans Adelaide
- equipment finance Sunshine Coast
Because TSC already works with clients Australia-wide, location is never a barrier. The same streamlined process can support metro and regional businesses alike.
Business Equipment Loans Without Slowing Cash Flow
Large upfront purchases can restrict day-to-day business operations.
Our business equipment loans solutions help companies:
- preserve cash reserves
- upgrade ageing equipment
- Respond to contracts faster
- improve operational efficiency
- fund growth opportunities
- reduce tax pressure through asset structuring
This makes equipment lending a practical option for businesses focused on scaling.
Australian Machinery Loans for New and Used Assets
Not every business needs brand-new assets.
Our machinery loan options can support:
- dealer purchases
- private sale assets
- used equipment
- replacement machinery
- expansion purchases
- sale and hire-back strategies
This creates greater flexibility for businesses needing affordable asset acquisition.
WHY AUSTRALIAN BUSINESSES CHOOSE TSC FOR EQUIPMENT LOANS
Benefits
- access to 50+ lenders
- tailored asset structures
- fast pre-approvals
- competitive commercial rates
- support Australia-wide
- Sunshine Coast finance specialists
- award-winning brokerage team
- strategic business lending advice
Understanding Your Equipment Finance Options
There is no single way to finance business equipment – the right structure depends on your cash flow, tax position, and how long you plan to use the asset. TSC Mortgage Brokers explains your main options:
Chattel Mortgage
You own the asset from day one, with the lender holding a mortgage over it as security. You can typically claim GST on the purchase price in your next BAS, and the interest and depreciation are generally tax-deductible. Ideal for long-life assets like trucks, excavators, and manufacturing machinery.
Finance Lease
The lender owns the asset during the lease term, and you make regular payments. At the end of the term, you can buy the asset, return it, or refinance it. Lease payments are treated as a business expense (OpEx), which can reduce your taxable income. Suited to technology, medical equipment, and assets that become outdated quickly.
Hire Purchase
You hire the equipment with an option to purchase at the end. Ownership transfers once the final payment is made. Repayments cover principal and interest, and you can claim depreciation and interest as tax deductions. A popular structure for small businesses managing cash flow.
Not sure which structure suits your business? Our brokers will walk you through the options at no cost to you.
How It Works
Step 1 – Tell Us What You Need: Share details about the equipment, the purchase price, and your business situation. There’s no obligation at this stage.
Step 2 – We Search 50+ Lenders: Our brokers compare equipment finance options from our panel of more than 50 lenders to find a structure that matches your cash flow and tax position.
Step 3 – You Choose Your Option: We present you with clear, plain-English options – chattel mortgage, finance lease, hire purchase – with repayment figures so you can compare.
Step 4 – Fast Application and Approval: We handle the paperwork and submit your application. Many business equipment loans can receive approval within 24–48 hours.
Step 5 – Settlement: Once approved, funds are settled directly with the supplier. You get your equipment and start making repayments on a schedule that suits your business.
Equipment Finance Rates – What to Expect
Equipment finance rates in Australia typically range from 6.59% to 15% per annum, depending on your business profile. The rate you receive depends on several factors including how long you’ve been in business, your credit history, whether the asset is new or used, and the lender you’re matched with. Because TSC Mortgage Brokers works with more than 50 lenders, we can compare rates across the market and find the most competitive option for your situation – rather than you being locked into whatever a single bank offers.
Use our free equipment finance calculator to estimate your repayments before you apply.
Frequently Asked Questions
Almost any business asset: vehicles, trucks, trailers, earthmoving machinery, manufacturing equipment, medical devices, IT hardware, restaurant equipment, and office fit-outs. Both new and used equipment qualify.
The main structures are: Chattel Mortgage (you own the asset, claim depreciation and GST), Finance Lease (lender owns, you lease), Operating Lease (off-balance-sheet), Hire Purchase, and Novated Lease for vehicles.
A chattel mortgage is the most common business equipment finance product. The lender advances funds to purchase the asset; you take ownership immediately and secure the loan against the asset. GST on the purchase price is claimable upfront.
Yes — as long as your business meets the eligibility criteria, the instant asset write-off applies to the full purchase price regardless of whether you paid cash or used finance. Confirm thresholds with your accountant.
Lenders have varying requirements. Some specialist lenders approve businesses with limited credit history or prior defaults. A broker can match you with the most appropriate lender for your situation.
Many lenders offer same-day or 24-hour approvals for equipment loans under $150,000. Larger transactions take 2–5 business days. Brokers with lender relationships can accelerate the process.
Yes — interest payments on equipment finance are generally tax deductible. Under a chattel mortgage, you can also claim depreciation on the asset. Under an operating lease, the full lease payment is typically deductible.
TSC are the Australian equipment loans and finance specialists.
Speak with us today for fast funding solutions tailored to your business.
Ready to Fund Your Business Equipment?
TSC are the Australian equipment loans specialists. Speak with us today about flexible equipment loans, machinery finance, and fast business asset funding.
