Equipment finance is the spine of commercial asset funding in Australia. Buy the machine, secure the loan against the machine itself, claim the depreciation, keep the bank line free for everything else. Novara structures equipment finance from $50K single units to $20M+ multi-asset packages.
Every equipment finance deal in Australia ends up as one of three structures. The choice depends on whether you want to own the asset, use it, or do both in stages.
You take title at acquisition; the lender registers a charge against the asset. Suits ABN holders who want full depreciation, GST claims at purchase, and equity build-up over the term. The default for most established businesses.
Operating leases keep the asset off-balance-sheet and hand it back at term-end. Hire purchase splits the difference — you use it from day one and take title at term-end. Useful for technology-sensitive plant and contract-aligned equipment.
Equipment finance is the obvious answer for most physical-asset acquisitions where the asset itself holds value over the term. It's not always the right tool — for short-life consumables, technology-bound kit, or revenue-cycle gaps, other instruments fit better.
Equipment finance reads differently in every industry — what's "long-life" in mining is "tech-sensitive" in healthcare. Each sector page goes deeper on instrument choice, repayment shaping, and lender appetite. For the full guide including rates, structures, and real examples, see Equipment Finance Australia.
The Big 4 compete actively on prime equipment paper. A deep second tier of specialist asset financiers — Judo, ScotPac, Liberty, Pepper Money, Resimac, Flexicommercial, and a long tail of industry-specific lenders — extend appetite into smaller operators, complex deals, sector- specific kit, and progress-payment structures. Most well-prepared equipment deals settle inside three weeks with multiple competitive offers.
Single machine or multi-asset rollout. Speak with our team about which instrument and which lender will give you the best deal — and how fast we can settle it.