Asset Finance for Equipment & Vehicles — Structured for Maximum Tax Benefit

Name: RyRo Loan Centre
Address: 11 Solent Cct, Norwest, NSW, 2153, AU
Telephone: 1300 11 7976
Price range: $$
Rating: 5

Chattel mortgage, hire purchase, or finance lease — the right asset finance structure determines your tax outcome as much as the rate does. RyRo Loan Centre brokers asset finance for Sydney businesses across equipment, vehicles, plant and machinery, and technology — matching each acquisition to the structure and lender that minimises total cost. $0 broker fees.

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Book Your Free Asset Finance Assessment

Tell us what you're acquiring and we'll identify the right structure and lender — usually within one business day.

No Credit Check100% Obligation-Free

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“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”

Sumit · Director & Senior Loan Specialist

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Asset Finance for Australian Businesses — Updated April 2026

Why Asset Finance Structure Matters as Much as Rate

Most businesses focus on finding the lowest rate when financing equipment or vehicles. But the product structure — chattel mortgage versus hire purchase versus finance lease — determines how the asset is treated on your balance sheet, how depreciation is claimed, whether you can access the instant asset write-off, and what your cash flow looks like at the end of the term. A wrong product choice can cost significantly more than a 1% rate difference.

We assess your tax position, GST registration, cash flow needs, and balance sheet goals before recommending a structure — then compare rates across our lender panel for that specific product. The result is a finance solution optimised for total cost of ownership, not just headline rate. Browse our full business finance services or see our personal car loans for consumer vehicle finance.

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Asset Types

What Assets Can Be Financed?

Commercial Vehicles

Trucks, vans, utes, forklifts
Buses and passenger transport
Emergency services vehicles
Refrigerated transport

Plant & Equipment

Excavators, earthmoving equipment
Manufacturing machinery
Agricultural equipment (tractors, harvesters)
Cranes and lifting equipment

Technology & IT

Servers and data centre equipment
Computers, tablets, devices
Telecommunications equipment
Point of sale systems

Medical & Dental

Diagnostic imaging equipment
Surgical and treatment equipment
Dental chairs and equipment
Laboratory instruments

Fit-Outs & Improvements

Commercial kitchen equipment
Retail and hospitality fit-outs
Office furniture and systems
Cold storage and refrigeration

Energy & Sustainability

Commercial solar PV systems
Battery storage systems
EV charging infrastructure
Energy-efficient HVAC

Product Comparison

Chattel Mortgage vs Hire Purchase vs Finance Lease

Feature	Chattel Mortgage	Hire Purchase	Finance Lease
Ownership during term	Business owns asset	Lender owns asset	Lender owns asset
Ownership at end	Already owned	Transfers on final payment	Option to buy/return/refinance
GST claim	Full GST upfront	Spread across payments	On lease payments only
Depreciation claim	Yes (owner claims)	Yes (once owned)	No — lease payments expensed
Instant asset write-off	Yes (eligible)	No	No
Balance sheet impact	Asset + liability on B/S	Asset + liability on B/S	May be off-balance sheet (AASB 16)
Best suited for	Ownership + max tax benefit	GST staged claim	Flexibility at term end

The right product depends on your tax position and the asset. Your accountant determines which structure produces the best tax outcome — we arrange the finance for whichever product they recommend, at the most competitive rate available from our lender panel.

Tax Benefits

Tax Benefits of Asset Finance: Instant Asset Write-Off

The instant asset write-off (IAWO) allows eligible businesses to claim an immediate tax deduction for the full cost of qualifying assets in the year of purchase — rather than spreading depreciation across the asset's useful life. This can produce a significant tax saving in the year of acquisition.

How it works with a chattel mortgage

Under a chattel mortgage, the business owns the asset from day one. If the asset is eligible for the IAWO, the full purchase price can be deducted as an immediate write-off — even though the loan is repaid over time. The GST can also be claimed in full in the BAS for the period of purchase, improving cash flow further.

How it interacts with finance leases

Under a finance lease, the lender owns the asset throughout the term — so the IAWO does not apply. Instead, lease payments are expensed as they are made. This can be preferable for businesses with lower taxable income who prefer consistent deductions over a large upfront write-off.

Threshold and eligibility rules

The IAWO threshold and eligibility criteria have changed multiple times. The current thresholds and turnover caps should be confirmed with your accountant before making a structure decision. We work alongside your accountant to ensure the finance structure supports the tax strategy they recommend.

Ready to structure your next equipment acquisition for maximum tax benefit? Book a free strategy call with our asset finance specialists.

What Equipment or Vehicle Are You Looking to Finance?

Tell us the asset and we'll identify the right structure and lender — usually approved within one business day.

No Credit Check100% Obligation-Free

Join hundreds of clientsWe respond within 24 hours

“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”

Sumit · Director & Senior Loan Specialist

By submitting, you agree to our privacy policy and terms of service.

Why RyRo

Why Businesses Choose RyRo for Asset Finance

We structure for total cost, not just rate

We assess chattel mortgage, hire purchase, and finance lease for every acquisition — identifying which product produces the best after-tax outcome before approaching lenders on rate.

Fast turnaround — most approved within 24–48 hours

Asset finance for established businesses is typically faster than property-backed lending. We prepare complete applications so lender approvals come back quickly — you can have equipment on order within days.

Access to specialist asset finance lenders

Our panel includes lenders who specialise in specific asset classes — agricultural equipment, heavy transport, medical equipment, renewable energy. Specialist lenders often provide better LVR and rate terms for their target asset class than generalist lenders.

$0 broker fees

Asset finance broker fees are paid by the lender. No application charges, no advice fees.

FAQs

Asset Finance FAQs

What is asset finance in Australia?

Asset finance is a form of business lending where the finance is secured by the asset being purchased — equipment, vehicles, machinery, technology, or commercial fit-outs. Instead of paying for the asset outright or using working capital, the business borrows against the asset and repays over time. The main products are chattel mortgage, hire purchase, finance lease, and operating lease. Asset finance is the preferred method for most Australian SMEs to acquire productive assets, as it preserves cash flow, provides tax advantages, and keeps the asset on the balance sheet (for most products).

What is the difference between a chattel mortgage, hire purchase, and finance lease?

These are the three most common asset finance structures in Australia: (1) Chattel Mortgage — the business takes immediate ownership of the asset while the lender holds a mortgage over it as security. The business claims depreciation and can claim the full GST input credit upfront (if GST-registered). Most popular for vehicles and equipment where ownership from day one is preferred. (2) Hire Purchase — the lender buys the asset and the business hires it, making regular payments. Ownership transfers at the end of the term after a final payment. Suitable when the business cannot make the full GST claim upfront. (3) Finance Lease — the lender owns the asset throughout the lease term. The business has use of the asset and makes payments, but does not own it. At the end, the business can purchase, return, or refinance. Lease payments are fully tax-deductible as an expense (rather than depreciation + interest). The right structure depends on your cash flow, tax position, GST registration status, and balance sheet goals — we model all three before recommending.

What assets can be financed with asset finance?

Asset finance can be used for a wide range of productive business assets including: commercial vehicles (trucks, vans, utes, forklifts), passenger vehicles (for business use), plant and equipment (manufacturing, construction, agricultural), IT equipment and technology infrastructure, medical and dental equipment, restaurant and commercial kitchen equipment, office fit-outs and furniture, renewable energy assets (solar panels, batteries), and marine and aviation assets. The key requirement is that the asset must be used primarily for business purposes and have a recognised market value that can serve as security for the loan.

What is the instant asset write-off and how does it interact with asset finance?

The instant asset write-off (IAWO) allows eligible businesses to immediately deduct the full cost of qualifying assets in the year of purchase, rather than depreciating them over time. The interaction with asset finance is important: under a chattel mortgage (where the business owns the asset from day one), the full asset cost can be claimed as an immediate deduction if the IAWO threshold applies — even if the asset is financed. Under a finance lease, the business does not own the asset, so the IAWO does not apply; instead, lease payments are expensed. The current IAWO threshold and eligibility rules should be confirmed with your accountant, as these have changed multiple times. We work alongside your accountant to structure the asset finance product that maximises your tax benefit under the current rules.

How is asset finance serviceability assessed?

Asset finance is generally assessed more flexibly than property-backed business loans. Lenders evaluate: business trading history (typically 12–24 months for full doc, less for low doc), business revenue and cash flow, the type and condition of the asset being financed, LVR against the asset value (typically 80–100% of the purchase price), and the personal credit history of directors/guarantors. For well-established businesses with strong financials, asset finance can often be approved using a simplified application with limited documentation. For newer businesses, lenders assess the asset type and resale value more carefully.

Can I get asset finance for a used or second-hand asset?

Yes. Most asset finance lenders will finance used equipment and vehicles, though the LVR may be slightly lower (70–85% for older assets vs 100% for new). The key factor is the asset's age, condition, and resale market. Assets with strong secondary markets (trucks, excavators, commercial vehicles) are financed readily. Older or highly specialised equipment with limited resale appeal may require a lower LVR or additional security. We access lenders who specialise in used asset finance and can advise on realistic terms for the specific asset you are acquiring.

What are the typical interest rates for asset finance in Australia?

Asset finance rates vary by product type, asset class, business profile, and lender. As a guide: chattel mortgage and hire purchase rates for commercial vehicles and equipment typically range from 6–12% p.a. for well-qualified businesses. Finance lease rates are often structured as a comparison rate and may appear similar. Unsecured asset-backed loans for newer businesses can be higher. The rate is only one component of the total cost — residual values, balloon payments, and end-of-term options affect the total cost of ownership. We compare all-in costs, not just headline rates, across our lender panel.

Can I use asset finance alongside the small business car loan or novated lease?

Asset finance (chattel mortgage, hire purchase, finance lease) is the commercial equivalent of vehicle finance — it is used when the vehicle is owned and operated by a business entity. A novated lease is a different arrangement used by employees with employer involvement — the lease payments are deducted from pre-tax salary, which can be tax-effective for employees. Personal car loans are for private individuals purchasing personal vehicles. If your business is purchasing a vehicle for business use, asset finance (chattel mortgage or hire purchase) is typically the most appropriate and tax-effective structure. We also broker consumer vehicle finance — see our car loans page for personal vehicle finance.

Have a question not covered here? View all FAQs or ask us directly.

Ready to Finance Your Next Asset Acquisition?

Join 2,000+ Australians who've trusted RyRo Loan Centre. Asset finance specialists. $0 broker fees.

“The right product structure for an asset acquisition saves more tax than the rate comparison. We get both right.”

Sumit · Director & Senior Loan Specialist

Meet the team

Rohan

Asset Finance

Helping clients secure the right equipment and vehicle finance.

Kathryn

Settlement Liaison

Keeping your settlement on track from application to keys.

5.0/5 Rating340+ Reviews

13+ YearsTrusted Professionals

100% SatisfactionProven results for 2000+ clients

50+Lenders

FastPre-approval

$0Broker Fees

Get Started

Free strategy call - no obligation

Tell us the asset you're acquiring and we'll identify the right structure and lender — usually within one business day.

No Credit Check100% Obligation-Free

Join hundreds of clientsWe respond within 24 hours

By submitting, you agree to our privacy policy and terms of service.

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Asset Finance for Equipment & Vehicles — Structured for Maximum Tax Benefit

Book Your Free Asset Finance Assessment

Why Asset Finance Structure Matters as Much as Rate

What Assets Can Be Financed?

Commercial Vehicles

Plant & Equipment

Technology & IT

Medical & Dental

Fit-Outs & Improvements

Energy & Sustainability

Chattel Mortgage vs Hire Purchase vs Finance Lease

Tax Benefits of Asset Finance: Instant Asset Write-Off

How it works with a chattel mortgage

How it interacts with finance leases

Threshold and eligibility rules

What Equipment or Vehicle Are You Looking to Finance?

Why Businesses Choose RyRo for Asset Finance

We structure for total cost, not just rate

Fast turnaround — most approved within 24–48 hours

Access to specialist asset finance lenders

$0 broker fees

Asset Finance FAQs

Related Services

Ready to Finance Your Next Asset Acquisition?

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