How it works
Fund the asset, protect the cash flow
Hospitality runs on thin margins and lumpy weeks. Equipment finance turns a large one-off cost into a predictable repayment matched to the trade the equipment produces.
Structures
Three ways to hold the equipment
Chattel mortgage
You own the asset from day one and the lender takes security over it. GST on the purchase price is generally claimable in your next BAS, and you can claim depreciation plus the interest component.
Best for venues wanting ownership and the strongest tax position.
Rental / operating lease
The financier owns the equipment and you rent it for a fixed term. Repayments are typically fully deductible as an operating expense and stay off the balance sheet.
Best for fast-moving tech, coffee gear and short refresh cycles.
Finance lease
The financier buys the equipment and leases it to you with a residual at the end. You can purchase, refinance or upgrade at term.
Best for keeping repayments low across a long asset life.
Eligibility
Who we can fund
- Australian businesses with an active ABN, including sole traders.
- Low-doc approvals generally suit businesses trading 6–12 months or more and registered for GST.
- New venues, first-time operators and start-ups considered with financials, a business plan or property backing.
- Finance from $2,000 with no upper limit on well-supported applications.
- Deposits are usually not required; a deposit can lower your repayment.
- Multiple items and multiple suppliers can be bundled into one agreement.
Timeline
What happens, and when
- 01
Tell us what you need
Send through a supplier quote, an equipment list, or just a budget and a timeframe.
- 02
We structure the facility
Chattel mortgage, rental or lease — bundled into one agreement across multiple suppliers if needed.
- 03
Credit decision
Most applications are decided within 24 business hours. We come back with the rate, term and repayment.
- 04
We pay the supplier
Documents are signed digitally, we settle directly with your supplier and your equipment ships.
Tax treatment
Where the tax benefits usually sit
Depreciation
Assets you own under a chattel mortgage are generally depreciated over their effective life, with the interest component claimed separately.
Instant asset write-off
Eligible small businesses may be able to immediately deduct assets under the threshold that applies in the relevant financial year. Thresholds change — check the current rules.
GST
On a chattel mortgage, GST on the purchase price is typically claimable upfront in your next BAS rather than across the term.
This information is general in nature and does not take account of your objectives, financial situation or needs. It is not tax, accounting or legal advice. Speak with your registered tax agent before relying on any tax treatment described here.