Equipment Finance Broker Australia

Equipment Finance That Lets You Secure Essential Assets Without the Upfront Cost

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FirstPoint Mortgage Brokers are your award winning business and asset finance experts.

Equipment finance is a funding solution that allows businesses to purchase or upgrade equipment without paying the full amount up front. Instead, the lender covers the cost of the asset, and the business repays it over an agreed term. You get the equipment now and keep your cash free for wages, stock, marketing and growth. It’s used across almost every industry, trade, construction, medical, hospitality, logistics, manufacturing and professional services- because it removes the financial pressure of large capital purchases.

Who Equipment Finance is For

This type of finance is commonly used by:

What Can Be Financed

Assets may include:

Machinery and tools - excavators, skid steers, power tools, workshop/manufacturing machinery
Vehicles — utes, vans, trucks, trailers, fleet vehicles
IT & Technology — computers, servers, POS systems, hardware/software bundles
Medical & Allied Health — diagnostic machines, treatment equipment, dental chairs, imaging devices
Construction & Industrial — scaffolding, compressors, generators, earthmoving equipment
Hospitality & Retail — commercial kitchen equipment, refrigeration, coffee machines, fit-out

Equipment Finance Structures

Chattel mortgage

A chattel mortgage lets your business own the asset from day one while spreading the cost over a set term. You make regular repayments, and the asset appears on your balance sheet. It’s a straightforward option for businesses that want full ownership and potential tax benefits through depreciation.

Finance Lease arrangements

A finance lease allows your business to use the equipment while the lender retains ownership during the term. You make fixed lease payments, and at the end you can either return the asset, upgrade, or pay the residual to take ownership. It’s ideal for businesses wanting flexibility or regular equipment upgrades.

Hire purchase

With hire purchase, you use the equipment immediately while paying it off over time, with ownership transferring to you at the end of the term. Repayments are predictable and structured, making it a simple option for budgeting. It suits businesses wanting eventual ownership without the upfront cost.

Each option varies in ownership, repayment structure, and financial impact.

When Equipment Finance Makes Sense

Tight or Seasonal Cash Flow

Equipment Directly Generates Revenue

Upgrading Improves Efficiency

Predictable Repayments & Preserved Capital

Why FirstPoint

How Equipment Finance Works — Step-by-Step

Choose the equipment

Provide your business details

Lenders are matched

Approval

Settlement

Repayments begin

Common Mistakes Businesses Make

Choosing the wrong finance structure

Not comparing lenders

Financing equipment with a short lifespan

Not understanding residuals

Waiting too long to upgrade

Get Started

If your business needs new equipment or upgrades, FirstPoint can help you explore structured finance options.

Get Pre-Approved

Speak to a Specialist

Asset Finance

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Jordan Toft

5 days ago

Expert knowledge, continuous availability, no question unanswered and executed precisely . From the get go Jonathan from FirstPoint Morgage Brokers delivered expert knowledge, specific to my situation, sourcing a unique product that encompassed my needs. Communication was direct and forthcoming with no situation or option left in ambiguity. No question was too small or insignificant and I was guided positively throughout the entire process linking all parties efficiently and effectively. Securing finance, the right finance, is a key component in a process with many moving parts, having an informative, reliable and effective partner for this segment of the process was a great reassurance.

Response from the owner:Thanks Jordan, we really appreciate the fantastic feedback. Jono takes great pride in finding the right solution for each client, particularly when things aren't always straightforward. Great to hear his knowledge, communication and attention to detail gave you confidence throughout the process. Thanks again for trusting Jono and FirstPoint, and for taking the time to share your experience. Jordan so good to have you back in the FP fold.

Adam Deering

6 days ago

Chris was incredibly helpful and efficient, I would highly recommend.

Response from the owner:Adam, great 5 Star Review on Chris, thanks so much for choosing FirstPoint as your preferred Mortgage Broker, you know where to find us should you need us.

Rosanna Arrowsmith

7 days ago

Answered all our questions as first home buyers with no clue what we were doing. . Emails replied quickly, excellent communication and leads to conveyancer, a smooth and seamless process with the bank and the vendor. Extremely professional. We chose First Point Mortgage Brokers based on their 5 star rating and have zero regrets. Jonathan and the team highly recommended! Would give 6 stars if I could.

Response from the owner:Thanks so much, Rosanna, we’ll happily take the 6 stars! It’s great to hear Jono and the team made your first home buying experience feel smooth, clear and seamless from start to finish. Buying your first home is a huge milestone, so congratulations and thanks for putting your trust in FirstPoint based on our reviews. Now you’ve added another great one!

Emma and Liam

2 weeks ago

Absolute legend and the broker you want in your corner! We couldn’t have asked for a better broker than Chris while buying our first home. He was incredibly helpful, patient and easy to talk to throughout the whole process. He explained everything clearly, kept us updated and was always happy to answer our questions, no matter how small. Buying a home can feel overwhelming, but Chris made us feel supported and confident every step of the way. We’re so grateful for everything he did for us and would happily recommend him!

Response from the owner:Thanks Emma and Liam, what a fantastic review! Chris will absolutely love the “legend and the broker you want in your corner” call, can'y help but agree. Buying your first home is a huge milestone, so it’s great to hear he made the whole journey feel clear, supported and that little bit less daunting. Huge congratulations to you both, and thanks for trusting Chris and FirstPoint to help get you there.

Karen Yu

2 weeks ago

Excellent service. Easy to apply . Chris is very professional and keep me updated all the time. Great to deal with

Response from the owner:Thanks Karen, really appreciate the great feedback. Fantastic to hear Chris made the whole process easy and kept you informed every step of the way. Thanks again for trusting Chris and FirstPoint!

Belinda PARATHYRAS

2 weeks ago

Chris has been great in all aspects of our requirements. Would highly recommend and will use again.

Response from the owner:Thanks Belinda, really appreciate the great feedback. Fantastic to hear Chris looked after you so well across the board. Thanks for the recommendation and your trust in FirstPoint, we look forward to helping you again down the track. You know where we are when you need to find us.

taysha whiteman

3 weeks ago

Response from the owner:Taysha, thanks for the 5-Star Review, that is all we strive for, spot on! Thanks.

Hayden Garn

3 weeks ago

These guys are first class!

Response from the owner:Thanks Hayden, you're a ledge, longtime client and great supporter, that is all we can ask for, you know where we are when you need us H.

Ben Counsel

3 weeks ago

Chris and the team at First Point and the best in the business. We have been dealing with them for many years now and have always been extremely happy with the outcome. Have recommended to friends and family with complete trust and confidence. Chris Pryer is an absolute gentleman and ultimate professional. Thanks for all your support.

Response from the owner:Ben, what a lovely review, thank you. It was great to have you and the family back again, so happy and excited to assist you guys with the new home. Ben, on behalf of Chris and the FP team thanks for the stamp of approval yet again. You know where we are if you need anything.

Naomi Russo

4 weeks ago

Jono has helped us with two properties and he has been wonderful both times. Would definitely recommend his services!

Response from the owner:Thanks Naomi, really appreciate the great feedback. Jono will love hearing it. Repeat clients and recommendations like this mean the world to us. Thanks again for the continued trust.