Cars, Utes & Vans
Eligible passenger and light-commercial vehicles used for business operations.
Car, Vehicle & Equipment Finance Adelaide
Equipment Finance to Put Better Assets to Work
Finance eligible business cars, utes, vans, trucks, machinery, tools, technology and other commercial equipment without having to pay the full purchase price from operating cash upfront. Capital Connections Finance helps compare suitable asset-finance structures and lender options for Adelaide businesses and clients across Australia.
New and eligible used assets
Chattel mortgage, hire purchase and lease options
Adelaide-based, Australia-wide support
500+ Five-Star Reviews Collectively
Client feedback across the Capital Connections team
40+ Lender Network
Bank, non-bank and specialist finance options
Asset-Finance Support
From asset selection through application and settlement
What Is Equipment Finance?
Equipment finance is business funding used to acquire an eligible asset such as a vehicle, plant, machinery, tools, technology or specialist commercial equipment. Instead of paying the full cost from available cash, the business spreads the cost through an agreed finance structure.
Australian Government business guidance notes that businesses can often choose whether to buy or lease vehicles and equipment. If a business buys an asset with finance, that asset can often be used as security for the loan. Leasing can reduce the initial cash outlay and may make upgrading easier, while buying gives the business ownership and greater control over the asset.
The most suitable approach depends on how long you expect to use the asset, how quickly it may become obsolete, the amount of cash available upfront, the repayment impact on the business and your ownership preference at the end of the finance term.
What Can You Finance?
Asset eligibility varies by lender, age, condition, supplier and expected useful life. Both new and some used assets may be considered.
Trucks & Trailers
Commercial transport assets including eligible trucks, trailers and fleet vehicles.
Construction Equipment
Excavators, loaders, earthmoving equipment, tools and other eligible trade assets.
Agricultural Machinery
Eligible tractors, implements and other productive farming or agricultural assets.
Manufacturing Equipment
Eligible production machinery, industrial equipment and specialised manufacturing assets.
Technology & IT
Computers, servers, point-of-sale systems and other approved business technology.
Medical & Dental Equipment
Eligible clinical, diagnostic, dental and specialist healthcare equipment.
Professional Equipment
Eligible cameras, printing equipment, hospitality assets, office equipment and other commercial tools.
Equipment Finance Structures to Compare
Ownership, tax treatment, GST treatment and end-of-term obligations can differ between structures. Confirm tax implications with your accountant or registered tax professional.
Chattel Mortgage
The business purchases the eligible asset and the financier takes a security interest over it while the loan remains outstanding. This can provide a direct path to asset ownership from the start.
- The business generally owns the asset.
- The financed asset can act as security.
- A balloon may be available depending on lender policy.
- Tax and GST treatment should be confirmed professionally.
Commercial Hire Purchase
Under hire purchase, the financier owns the asset while the business uses it and makes agreed repayments. Ownership generally transfers after the required final payment, subject to the contract.
- Use the asset while paying it off over time.
- Ownership generally transfers at the end.
- Balloon or final-payment structures may be available.
- Check fees, payout conditions and tax treatment.
Finance Lease
A finance lease allows the business to use the asset while the financier retains legal ownership. This can suit businesses that value use of the asset more than immediate ownership.
- Financier retains ownership during the lease.
- Regular lease payments support budgeting.
- Residual or end-of-term obligations may apply.
- Review return, purchase and renewal options carefully.
Upfront Cash Requirement
Leasing can have a lower upfront cash requirement, while buying outright or with a deposit can require more capital at the beginning.
Upgrade Flexibility
Leasing can make it easier to replace technology or equipment that becomes outdated quickly.
Ownership & Asset Control
Buying can provide greater control over modifications, resale and how long the business keeps the asset.
Tax, GST & Depreciation
Different structures can have different tax and GST outcomes. Obtain advice from a registered tax professional before relying on a tax benefit.
How Our Equipment Finance Process Works
We start with the asset and business purpose, then compare suitable finance structures based on cost, ownership and cash flow.
Choose the Asset
Identify the vehicle, machinery or equipment, supplier, price and whether the asset is new or used.
Review Your Business
Assess trading history, cash flow, existing debts, deposit position and available financial information.
Compare Structures
Review chattel mortgage, hire purchase, leasing or other suitable lender options by cost and terms.
Prepare the Application
Provide the asset quote and required business documents, then respond to lender assessment requests.
Approval & Settlement
Complete lender conditions and coordinate settlement with the supplier so the asset can be delivered.
Why Use Capital Connections for Equipment Finance?
Equipment finance can look straightforward until asset rules, balloon payments, ownership structure, lender policy and business cash flow are considered together. Our role is to compare suitable options and make those trade-offs clear before you proceed.
40+ Lender Network
Compare participating banks, non-bank and specialist asset-finance lenders.
Asset-Specific Matching
Consider asset type, age, useful life, supplier and business profile when comparing lenders.
Application Coordination
Help with asset quotes, business documents and lender requests through assessment.
Ongoing Business Support
Return for future vehicles, machinery, working capital, expansion or refinance needs.
What Information May the Lender Need?
Requirements vary by lender, transaction size, asset type and business profile. Some streamlined asset-finance applications may require less documentation than larger or more complex transactions.
Asset Details & Supplier Quote
Purchase invoice or quote, asset description, age, make, model, serial or VIN details where relevant and supplier information.
Business Details
ABN or ACN, entity structure, identification, trading history and ownership information.
Financial & Bank Information
Bank statements, financial statements, tax returns, BAS or other supporting information depending on lender policy.
Existing Finance & Credit Profile
Current business facilities, repayment obligations and other information needed to assess affordability and credit risk.
Speak with Our Adelaide Finance Brokers
Buying a business vehicle or new equipment? Speak directly with Navin or Prince about the asset, deposit, loan structure and lender options.
Navin Yadav
Senior Finance BrokerNavin assists businesses with vehicle, equipment and broader finance needs through lender comparison, documentation and application coordination.
View Navin’s Profile
Shudarshan (Prince) Upreti
Finance BrokerPrince helps clients understand finance structure, lender requirements and the application process across business and personal lending scenarios.
View Prince’s ProfileEquipment Finance FAQs
Common questions about vehicle finance, machinery loans, chattel mortgages, hire purchase, leasing and used equipment.
What is equipment finance?
Equipment finance is business funding used to acquire eligible vehicles, machinery, tools, technology or other commercial assets. Depending on the structure, the asset may be purchased with a loan, acquired under hire purchase or used under a lease.
What equipment can I finance?
Depending on lender policy, eligible assets can include cars, utes, vans, trucks, trailers, construction equipment, agricultural machinery, manufacturing equipment, medical or dental equipment, computers and business tools.
What is a chattel mortgage?
A chattel mortgage is a commercial finance structure where the business purchases an eligible asset and the lender takes security over that asset until the finance is repaid. Confirm tax and GST treatment with a registered tax professional.
What is commercial hire purchase?
Under a commercial hire purchase arrangement, the financier owns the asset while the business hires it and makes repayments. Ownership generally transfers after the final required payment, subject to the contract terms.
What is a finance lease?
A finance lease allows the business to use an eligible asset while the financier retains legal ownership during the lease. Residual and end-of-term options depend on the lease contract.
Can I finance used equipment?
Potentially. Many lenders consider eligible used equipment, but age, condition, value, supplier, expected useful life and lender policy can affect approval and finance terms.
Can I include a balloon or residual payment?
Some structures may allow a larger final balloon or residual payment. This can reduce regular repayments but creates a larger amount due at the end, so the business needs a clear plan for that obligation.
Can you help businesses outside Adelaide?
Capital Connections Finance is based in Adelaide and can assist eligible business borrowers across Australia, subject to lender availability, accreditation and lending criteria.
Ready to Finance Your Next Business Asset?
Tell us what you are buying, whether it is new or used, the purchase price and how the asset will be used in your business. We will help compare suitable equipment finance options and explain the next steps.
General information only. This content does not consider your business objectives, financial position or needs. Equipment finance products, interest rates, fees, deposits, balloon or residual payments, security requirements, asset eligibility, documentation and terms vary by lender and can change. Approval and timing are subject to lender assessment and satisfactory verification of the business, borrower and asset. Tax, GST and depreciation outcomes depend on the finance structure and your circumstances; obtain advice from a registered tax professional or accountant before relying on any tax treatment. If an asset secures the finance, the lender may have rights over that asset if repayments are not made. The statement “500+ five-star reviews collectively” is a collective marketing claim supplied by Capital Connections Finance.