Equipment & vehicle finance
Whether it’s machinery, tools, vehicles or tech, we’ll help you secure the right finance to keep your business moving forward — quickly, efficiently, and without tying up working capital.
Fund what keeps your business running
At Kredi, we understand that the right equipment and vehicles are vital for your business success. Our financing options are designed to fit your unique needs, ensuring you can invest in what drives your productivity.
Cars, vans & commercial vehicles.
Construction & trade equipment.
Agricultural machinery.
Office furniture & tech.
Medical, dental or professional tools.
Retail & hospitality fit-outs.
Industrial plant & heavy machinery.
Loan types explained
We help you select the best structure for your tax position, usage, and goals.
Great for early ownership and tax benefits
For businesses that want ownership from day one and potential tax benefits.
You own the asset from the moment it’s purchased, and the lender takes a mortgage over it as security. This structure is popular for vehicles and equipment that will be used primarily for business purposes. It may allow you to claim:
• GST on the purchase price (if registered for GST)
• Interest on repayments
• Depreciation of the asset
This option suits businesses wanting maximum control over the asset and strong tax efficiency — especially when using accelerated depreciation or the instant asset write-off.
Use the asset today, purchase down the track
For businesses that want to use the asset now, with the option to purchase later.
With a finance lease, the lender owns the asset and leases it to your business over an agreed term. You pay monthly lease payments, and at the end of the term, you may have the option to buy the asset for its residual (balloon) value.
Benefits include:
• Low upfront cost.
• Lease payments may be tax-deductible.
• Easy to upgrade or swap assets regularly.
This option is ideal if you want flexibility, don’t need immediate ownership, or want to preserve working capital.
Pay gradually, own eventually
With a CHP, the lender purchases the asset and you hire it over a fixed term. You make regular repayments and take ownership at the end, once the total amount has been repaid.
Key features:
• You gain full ownership after the last payment
• GST may be claimed upfront (if eligible)
• Interest and depreciation may be tax-deductible
This is a good option if your business needs the asset now but prefers to spread the cost over several years.
Unsure which loan suits you?
A Chattel Mortgage gives you immediate ownership of the asset and may allow you to claim GST, interest, and depreciation. It’s great for long-term use and businesses wanting the asset on their balance sheet.
A Finance Lease lets you use the asset while the lender retains ownership. You make fixed lease payments and can often buy the asset at the end. This suits businesses looking for flexibility and lower upfront costs.
A Commercial Hire Purchase spreads the cost over time, with ownership transferring to you at the end of the term. It’s a good option if you want to avoid upfront costs but still plan to own the asset.
If you’re unsure, we’ll help you choose the right option based on your goals, cash flow, and tax position — and we’re happy to work with your accountant too.
Why choose equipment or vehicle finance over paying upfront?
Asset finance is designed to help your business grow without straining your working capital. Here’s why many businesses choose to finance their equipment:
• Keep cash in the business – Avoid large upfront costs and preserve liquidity
• Match repayments to usage – Pay for the asset as it generates income
• Access better tools sooner – Don’t delay purchases due to budget timing
• Tax advantages – Claim interest, depreciation, or lease payments (check with your accountant)
• Fast turnaround – Approvals often within 24–48 hours
• Stay competitive – Regularly update or upgrade your vehicles, tools, or machinery
Whether you’re replacing, upgrading, or scaling — finance gives you more control over your capital and growth.
Speak to a commercial loan specialist
Connect with our specialists to explore tailored business loan solutions that suit your needs.