Equipment finance is one of the most powerful tools available to NSW businesses. Instead of paying for machinery, vehicles, technology, and tools upfront, equipment finance lets you spread the cost over time — keeping your working capital free and your tax position optimised. Co-Pilot Finance arranges equipment finance for NSW businesses across every industry and every corner of the state.
Equipment Finance Solutions for NSW Businesses
We arrange all major types of equipment finance in NSW. The right structure depends on your business type, tax situation, and how you intend to use the equipment at the end of the finance term.
Chattel Mortgage (Most Popular for NSW Businesses)
With a chattel mortgage, your business takes ownership of the equipment immediately while the lender holds a mortgage over it as security. You can claim the full GST on your next BAS, claim depreciation, and deduct the interest. This is the most popular equipment finance structure for GST-registered NSW businesses.
Finance Lease
Under a finance lease, the lender owns the equipment and leases it to your business for a fixed term. Lease payments are fully tax-deductible as a business expense. At the end of the term, you can purchase the equipment at residual value, continue leasing, or return it. This suits businesses that prefer to keep assets off their balance sheet.
Operating Lease
An operating lease is a shorter-term arrangement where the lender retains ownership and takes the residual value risk. Payments are lower and fully deductible. This is ideal for equipment with high obsolescence risk — technology, vehicles, and medical equipment — where you want to upgrade regularly.
Hire Purchase
With hire purchase, your business hires the equipment from the lender and takes full ownership once all payments are made. Depreciation and interest are both tax-deductible. This structure is popular for heavy plant, agricultural equipment, and long-life assets.
What Equipment Can Be Financed in NSW?
Virtually any business-use asset can be financed through equipment finance in NSW. Common examples include:
Construction and earthmoving: excavators, bobcats, forklifts, cranes, concrete pumps
Transport and logistics: trucks, trailers, utes, vans, forklifts, pallet jacks
Medical and dental: imaging equipment, dental chairs, surgical tools, practice fit-out
Hospitality: commercial kitchen equipment, refrigeration, POS systems, fit-out
Manufacturing: CNC machinery, laser cutters, conveyor systems, industrial presses
Technology: servers, computers, software, telecommunications systems
Agriculture: tractors, harvesters, irrigation systems, farm vehicles
Retail and salon: fit-out, display systems, salon equipment
Equipment Finance Rates in NSW (2026)
Equipment finance rates in NSW vary based on the asset type, age of equipment, loan term, and your business’s financial profile. Indicative 2026 rates:
New equipment, strong credit: 5.99% to 8.49% p.a.
Used equipment under 5 years: 7.49% to 11.99% p.a.
Used equipment 5–10 years: 9.99% to 15.99% p.a.
Low-doc or non-standard: 11.99% to 19.99% p.a.
Loan terms range from 12 to 84 months. A balloon/residual payment at the end of the term can reduce your monthly repayments significantly.
The $20,000 Instant Asset Write-Off in NSW
NSW businesses with turnover under $10 million can immediately deduct the cost of eligible depreciating assets up to $20,000 under the Federal Government’s instant asset write-off. For assets financed via chattel mortgage, you claim the full asset cost as a deduction in the year of purchase — not just the repayments. This is a significant tax advantage that effectively reduces the net cost of your equipment. Speak to your accountant about your eligibility.
Apply for Equipment Finance in NSW
Co-Pilot Finance works with 40+ equipment finance lenders across Australia. We find the most competitive rate and the right structure for your NSW business — whether you are in Sydney, Newcastle, Wollongong, Canberra, or regional NSW. Applications are fast, paperwork is minimal, and most approvals come through within 24–48 hours.
Apply for Equipment Finance in NSW Today