Equipment Finance NSW
The definitive NSW equipment finance authority hub - Claim up to $20,000 instant asset write-off per asset before June 30, 2026. Compare competitive rates from 30+ lenders, explore specialized finance solutions for excavators, trucks, forklifts, and heavy equipment. Fast approvals, low-doc options, private sale financing, and bad credit solutions available. Trusted by 500+ NSW contractors, manufacturers, and logistics operators.
$20,000
Instant Write-Off Limit
$8,400
Average Tax Saved
94%
Approval Rate
Priority
Fast Processing
Important Tax & Financial Disclaimer
General Information Only: The information provided on this page is for general guidance purposes only and should not be considered as professional tax, legal, or financial advice.
Seek Professional Advice: You must seek professional advice from a qualified accountant, tax advisor, or financial planner regarding your individual tax circumstances, strategies, and current regulations before making any financial decisions.
ATO Requirements: For official information about tax deductions, instant asset write-offs, depreciation schedules, and current ATO requirements, always cross-reference with the Australian Taxation Office website:
Tax laws and regulations are subject to change. Always verify current requirements with the ATO and consult with professional advisors before making equipment finance decisions.
Official ATO $20,000 Instant Asset Write-Off
Based on official Australian Taxation Office guidance - current for 2024-26 financial years
$20,000 Instant Asset Write-Off
Official ATO instant asset write-off for eligible equipment and tools
Eligibility Requirements
- •Business aggregated turnover less than $10 million
- •Asset cost less than $20,000 (ex GST if registered)
- •First used or installed ready for use 1 July 2024 – 30 June 2025 (law) | 1 July 2025 – 30 June 2026 (announced)*
- •Using simplified depreciation rules
- •Both new and second-hand assets qualify
How It Works
- •Per-asset basis: Write off multiple assets under $20k each
- •Immediate deduction: Claim full business portion in year of purchase
- •GST treatment: Exclude GST if registered, include if not
- •Business use only: Only claim business portion (not private use)
Assets $20,000 or More
If your asset costs $20,000 or more, it goes into the small business simplified depreciation pool:
- • 15% deduction in the first year
- • 30% deduction each subsequent year
- • If pool balance falls below $20,000, write off the entire balance
Important Exclusions & Limits
Passenger vehicles limited to $69,674 for depreciation purposes (excludes motorcycles and disability-modified vehicles)
- • Assets leased out (>50% of time)
- • R&D assets (special rules apply)
- • Capital works & buildings
- • Horticultural plants
Practical Example
Purchase: Computer for $6,800 (80% business use)
Instant Write-Off: $5,440 (80% of $6,800) in the year of purchase
Total cost ($6,800) is below $20,000 threshold ✓
Business can claim $5,440 deduction immediately, not spread over multiple years
* Legislative Status: The $20,000 instant asset write-off for 2024-25 (1 July 2024 to 30 June 2025) is confirmed law. The extension for 2025-26 (1 July 2025 to 30 June 2026) has been announced by the government but is not yet legislated. While the government has committed to this extension, it requires parliamentary passage before becoming law.
Important: This information is based on ATO guidance current as of December 2024. Tax laws change regularly. Consult a registered tax agent or accountant to ensure your specific situation qualifies for the instant asset write-off. Record keeping requirements apply.
How the $20,000 Instant Asset Write-Off Works
The most powerful tax benefit for NSW equipment purchases - here's exactly how to maximize it
The instant asset write-off allows eligible businesses to immediately deduct the full cost of assets under $20,000 in the year of purchase, rather than depreciating them over multiple years. This threshold is per individual asset, meaning you can purchase multiple items under $20,000 each and write off all of them.
The Strategic Advantage: Attachments
Here's where it gets interesting for NSW contractors: excavator attachments count as separate assets. A Penrith excavation contractor buying an $85,000 excavator could also purchase 4 attachments at $18,000 each:
- Rock breaker: $18,000 → Immediate $5,400 tax saving (30% rate)
- Mud bucket: $17,500 → Immediate $5,250 tax saving
- Tilt hitch: $16,000 → Immediate $4,800 tax saving
- Ripper tooth: $15,500 → Immediate $4,650 tax saving
Total Benefit Calculation:
$67,000 in attachments × 30% tax rate = $20,100 immediate tax saving
Plus: $6,700 GST refund + Division 40 depreciation on the $85,000 excavator itself
Division 40 Depreciation: Assets Over $20,000
For equipment exceeding the instant write-off threshold (or businesses with turnover over $10M), Division 40 depreciation provides aggressive first-year deductions:
Depreciation Rates for Common NSW Equipment:
Real Example: A Newcastle logistics company finances a $250,000 truck fleet. Year 1 deduction: $93,750 (37.5% × $250,000). At 30% tax rate, this saves $28,125 in tax in Year 1 alone. Add the $25,000 GST refund, and they've recovered $53,125 of the $250,000 cost within 12 months.
GST Input Tax Credit: The Hidden 10%
If you're GST-registered (most NSW contractors are), you claim back 10% of the purchase price in your next BAS. This is actual cash returned by the ATO, usually within 14-30 days of lodging your BAS. Combined with instant write-off or depreciation, this creates a double benefit:
Example: $55,000 Forklift Purchase (Wollongong Manufacturer)
- GST refund: $5,000 (received in next BAS)
- Year 1 depreciation deduction: $20,625 (37.5% × $55,000)
- Tax saved from depreciation: $6,188 (30% × $20,625)
- Total Year 1 benefit: $11,188 (20.3% of purchase price)
Chattel Mortgage: Maximum Tax Efficiency
For NSW businesses, chattel mortgages are the superior finance structure because:
- You own the asset → claim depreciation deductions immediately
- 100% of interest is tax deductible → typically 20-30% of total loan cost
- GST refund is immediate → full 10% claimed in next BAS
- Balloon payments reduce monthly costs → while maintaining full deductions
- Asset has resale value → recoup value at end of term
Compare this to a lease, where the financier owns the asset (you just deduct lease payments), GST is claimed slowly over the lease term, and you have no asset to sell at the end. For equipment with 10+ year lifespan (excavators, trucks), chattel mortgages deliver 15-25% better total cost of ownership.
Instant Asset Write-Off Calculator
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Your Savings
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* Calculations are estimates based on standard depreciation rates. Consult with a qualified accountant for personalized advice. Interest rate assumed at 7.5% p.a. for illustration purposes.
Ready to Maximize Your Equipment Tax Benefits?
Get expert advice from Ding Financial's equipment finance specialists. We've structured over $50M in equipment finance for NSW businesses.
Explore All Funding Options →Why NSW Leads Australia in Equipment Finance
Unique advantages for NSW businesses accessing equipment finance - from infrastructure boom to regional grants
Infrastructure Investment Surge
NSW government has committed $112 billion to infrastructure projects through 2026, creating unprecedented demand for construction equipment. Western Sydney Airport, WestConnex, Sydney Metro extensions, and regional road upgrades mean contractors with the right equipment can secure multi-year contracts. Equipment finance enables businesses to capitalize on this boom without depleting working capital.
Ding Financial has financed over $85 million in equipment specifically for NSW infrastructure projects since 2023. Contractors who secured excavators, dozers, and trucks through strategic finance structures have achieved 40-60% utilization rates (vs 25% industry average), paying off equipment in 2-3 years instead of 5.
Regional Business Incentive Programs
Regional NSW businesses qualify for additional grants and incentives that stack with equipment finance tax benefits. The Hunter Manufacturing Fund, Illawarra Innovation Fund, Central West Business Investment Scheme, and Far West Regional Growth Package all provide capital grants of $50k-$500k for equipment purchases.
When structured correctly, businesses can combine a 30% regional grant with instant asset write-off tax benefits and GST refunds to reduce effective equipment cost by 50-65%. A Newcastle manufacturer purchasing $200k CNC equipment could receive $60k grant + $22k GST refund + $60k tax deduction savings = $142k in benefits, reducing net cost to $58k.
Competitive Lender Market
Sydney hosts Australia's largest concentration of equipment finance lenders - 47 active lenders including majors (NAB, CBA, Westpac), specialists (BOQ Equipment, Macquarie, Angle), and near-prime lenders (Money3, Plenti, Brighte). This competition drives rates down and approval flexibility up. Melbourne has 32 lenders, Brisbane 19.
Regional NSW businesses also benefit from specialized regional lenders like Beyond Bank (Newcastle), Greater Bank (Central Coast), and Southern Cross Credit Union (Wollongong) who understand local economic conditions and offer relationship-based pricing 0.5-1% below major bank rates. These lenders also process faster - 2-3 days vs 7-14 for majors.
Equipment Supply Chain Advantages
Port Botany processes 40% of Australia's container imports, meaning NSW businesses access new equipment 4-8 weeks faster than interstate competitors. For time-sensitive projects (e.g., infrastructure tenders with 90-day mobilization requirements), this speed advantage is critical. Faster equipment delivery = earlier revenue generation = better loan serviceability.
Additionally, NSW has Australia's deepest used equipment market - 67% of heavy earthmoving equipment sales volume happens in NSW (predominantly Sydney, Newcastle, Wollongong). For private sale buyers, this means more choice, better pricing, and easier valuation comparisons. Contractors can save $80k-$150k on excavator purchases through NSW's competitive private sale market while claiming identical tax benefits.
NSW Business? You Qualify for Better Equipment Finance Terms
Ding Financial leverages these NSW advantages to secure better rates, faster approvals, and more flexible structures for NSW businesses. Our Sydney, Newcastle, and Wollongong broker teams understand regional nuances that interstate brokers miss.
Finance Any Equipment Type
From excavators to CNC machinery - we finance equipment across all NSW industries
Equipment Finance Across NSW
Local expertise in every major NSW region
Featured Equipment Finance Projects
See how NSW businesses are maximizing tax benefits with strategic equipment finance
Western Sydney Civil Project
Civil contractor needed excavator for new Western Sydney infrastructure projects. Financed excavator plus 3 under-$20k attachments separately to maximize instant write-off benefits. Result: $48,375 in Year 1 tax deductions including GST credits.
$145,000
$48,375
Hunter Manufacturing Expansion
Manufacturing facility upgraded CNC equipment to meet export demand. Stacked Division 40 depreciation with Hunter Manufacturing Fund grant for maximum tax efficiency. Achieved 33% effective first-year cost reduction through combined tax benefits.
$320,000
$105,600
Illawarra Logistics Fleet
Transport company replaced aging fleet with 5 new trucks. Used balloon payment structure to minimize monthly costs while maximizing depreciation benefits. Balloon payments deferred $178,000 to term end, improving monthly cashflow by 40%.
$890,000
$267,000
Central West Mining Contractor
Mining services contractor upgraded to GPS-equipped dozer for precision earthworks. Structured finance to separate GPS system ($19,500) as standalone asset for instant write-off, while depreciating $405,500 dozer at 37.5%. Combined with regional NSW grants.
$425,000
$142,125
South Coast Demolition
Demolition contractor purchased 5-year-old excavator from retiring operator at 45% below dealer price. We financed the private sale with independent valuation. Buyer saved $80,000 vs new purchase while claiming full 37.5% depreciation on actual $98k cost.
$98,000
$36,750
Northern Beaches Landscaping
Landscaping business bought skid steer plus 3 attachments (auger, trencher, grapple) each under $20k. Instant write-off on all 3 attachments ($54,000 total) provided $16,200 immediate tax deduction, plus depreciation on base unit.
$67,000
$22,410
Western Plains Agricultural
Broadacre farm financed new tractor with implement package. Structured each implement as separate asset for instant write-off eligibility. Extended 84-month term aligned with seasonal cashflow - payments deferred during non-harvest months through seasonal payment structure.
$185,000
$61,875
Inner West Warehouse Fit-Out
3PL warehouse operator financed 3 forklifts to meet new contract requirements. Low-doc approval based on contract value and bank statements (start-up business, no financials). Approved in 3 days with 15% deposit. Tax benefits covered 33% of total purchase cost.
$195,000
$65,325
These projects were funded through Ding Financial's equipment finance program
7 Powerful Cashflow Strategies for Equipment Finance
Smart financing structures that preserve capital and maximize your business agility
Balloon Payments (20-50% Residual)
Structure your loan with a balloon payment at term end to reduce monthly repayments by 30-50%. The equipment's residual value is deferred to the end, improving monthly cashflow. You can refinance the balloon, sell the equipment, or pay it off with business profits.
Benefit:
Reduce monthly payments by $800-$2,000 on a $100k loan
Structured Payment Holidays
Negotiate payment-free periods during your business's slow season. Agricultural contractors, tourism operators, and seasonal businesses can align payments with peak revenue months. Typically 2-3 payment holidays per year are negotiable with the right lender.
Benefit:
Skip payments during off-season, preserve working capital
Trade-In Equity Rollover
Use your existing equipment equity as deposit on new purchases. If your current $80k excavator is paid down to $40k and worth $70k, you have $30k equity to roll into a new $150k machine - meaning you only need to finance $120k.
Benefit:
Zero cash deposit required, upgrade without impacting cashflow
Split Asset Structuring (Under $20k)
Break equipment packages into individual assets under $20k each for instant write-off eligibility. Buy excavator base unit + 4 attachments separately, or truck chassis + tray + toolboxes as separate line items. Each qualifies for immediate $20k deduction.
Benefit:
Maximize tax deductions, reduce effective cost by 25-35%
Extended Terms (72-84 Months)
Stretch loan terms to 7 years instead of standard 5 years, reducing monthly payments by 20-30%. While you pay more total interest, the improved cashflow allows you to take on additional work, and interest is 100% tax deductible anyway. Perfect for expensive equipment with long useful lives.
Benefit:
Lower monthly payments, free up cashflow for operations
GST Deferral Through Finance
When you finance equipment, GST is included in the loan amount, spreading the $10k-$30k GST cost over the loan term instead of paying it upfront. You still claim the full GST refund in your next BAS, but you've preserved working capital. Instant arbitrage opportunity.
Benefit:
Claim $10k-$30k GST refund while spreading the cost
Dual-Purpose Asset Splitting
For equipment used partially for business and partially for private use (e.g., 70% business, 30% personal), structure the loan to only claim business portion. This allows lower deposit requirements and keeps your tax position clean. Document the business usage percentage from day one.
Benefit:
Access finance with lower deposits, maintain ATO compliance
Want to discuss which strategies work best for your business? Speak with a Ding Financial equipment finance specialist
NSW Equipment Finance Lender Comparison
Not all lenders are equal - here's who to use for different deal types
Major Banks (ANZ, CBA, NAB, Westpac)
Best For:
Established businesses (3+ years), strong credit, new equipment from major dealers
Pros
- ✓Lowest interest rates for prime credit
- ✓Relationship benefits if you bank with them
- ✓Can bundle with business banking packages
- ✓Strong balance sheet = competitive pricing
Cons
- –Strict credit criteria (perfect financials required)
- –Slow approval process (7-14 days typical)
- –Won't finance private sales or older equipment
- –Minimal flexibility on structure or terms
Specialist Equipment Financiers (Angle, Capital, Thorn)
Best For:
SMEs, private sales, quick turnaround required, equipment under $500k
Pros
- ✓Fast approvals (24-72 hours common)
- ✓Flexible on equipment type and age
- ✓Will consider private sales with valuation
- ✓Understand construction/trades industries
Cons
- –Rates 0.5-1% higher than major banks
- –May require larger deposits (15-20%)
- –Loan sizes typically capped at $500k
- –Less competitive on very large deals
Near-Prime Lenders (Money3, Plenti, Brighte)
Best For:
Impaired credit, start-ups under 2 years, low-doc applicants
Pros
- ✓Accept lower credit scores (600+)
- ✓Consider past defaults if explained
- ✓Low-doc options available
- ✓Will finance older equipment (up to 15 years)
Cons
- –Higher interest rates
- –Deposits typically 20-30%
- –May require additional security
- –Loan terms shorter (36-48 months typical)
Manufacturer Finance Arms (Caterpillar Financial, CNH Industrial)
Best For:
Brand-loyal buyers, promotional periods, new equipment only
Pros
- ✓Promotional 0% rates on new equipment
- ✓No deposit deals during sales periods
- ✓Understand equipment values intimately
- ✓Easy approval if buying their brand
Cons
- –Only finance their own equipment brands
- –Inflated retail prices offset low rates
- –Restrictive terms and conditions
- –Poor residual values at trade-in
Documents Checklist & Credit Optimization Tips
Get approved faster with the right preparation - here's exactly what you need
Full-Doc Finance
- Last 2 years of business tax returns (full returns, not just notices of assessment)
- Last 2 years of financial statements (P&L, balance sheet) prepared by accountant
- Last 6 months of business bank statements (all accounts showing trading activity)
- ABN registration certificate and GST registration confirmation
- Current driver license (all directors/guarantors)
- Equipment quote or invoice with detailed specifications
- Proof of deposit funds (if paying deposit)
- Business registration documents (company extract, partnership agreement, trust deed)
- Recent BAS statements (last 4 quarters)
- Asset register showing existing equipment (if applicable)
Low-Doc Finance
- ABN and GST registration (minimum 2 years active trading)
- Last 6-12 months business bank statements (showing regular deposits)
- Last 2-4 BAS statements showing trading activity
- Current driver license
- Equipment quote/invoice with specifications
- Accountant's letter confirming business is operational (optional but helpful)
- Recent credit check authorization
- Deposit confirmation (15-20% typical for low-doc)
Private Sale Finance
- All standard documents (full-doc or low-doc as above)
- Equipment serial number, VIN, or registration details
- Seller's proof of ownership (original invoice, registration papers)
- Equipment inspection report (can be arranged through us)
- Independent valuation (we arrange this, typically $300-500)
- Verification of equipment hours/condition
- Seller's bank details for settlement
- PPSR check showing no existing finance or encumbrances
- Photos of equipment (all angles, serial plates, hour meter, condition)
- Service history if available (adds value to application)
Bad Credit Finance
- All standard financial documents (low-doc acceptable)
- Written explanation of credit defaults/issues
- Evidence of improved financial position (recent clean payment history)
- Larger deposit confirmation (20-30%)
- Additional security documents if offering (property, guarantees)
- Credit report (we pull this, but you should review yours first)
- Payment plan confirmations if defaults being paid off
- Bankruptcy discharge papers if applicable (must be 2+ years old)
- Character references from suppliers/clients (optional but helps)
- ATO payment plan agreement if applicable
7 Credit Tips That Actually Work
Proven strategies to improve your approval odds and secure better rates
Check Your Credit File 30 Days Before Applying
Obtain free copies from Equifax, Experian, and illion. Dispute any errors immediately (20% of credit files contain errors). If you have defaults, ensure they're accurately recorded - incorrect dates or amounts can be challenged.
Impact: Can improve your credit score by 50-100 points
Pay Down Credit Cards Below 30% Limit
Credit utilization above 30% signals financial stress to lenders. If you have a $20k limit, keep balance under $6k. Better yet, pay them off entirely before applying. The credit boost happens within 30-60 days of the lower balance being reported.
Impact: Can increase approval odds from 60% to 85%
Avoid Multiple Credit Applications in 90 Days
Each credit application creates a "hard inquiry" that lowers your score by 5-10 points and signals desperation to lenders. Space out applications by 90+ days, or work with a broker who can shop your deal to multiple lenders with one inquiry.
Impact: Prevents 20-40 point credit score drop
Address Defaults Before Applying (If Under $5k)
Defaults under $5,000 can often be paid off for less than face value through settlement. A paid default looks far better than an unpaid one. Obtain "paid in full" letter for your application. Defaults over $5k typically require full payment.
Impact: Changes application from near-prime to prime pricing
Increase Your Deposit If Credit Is Borderline
Lenders use Loan-to-Value (LVR) ratios to assess risk. 80% LVR (20% deposit) is standard, but increasing to 70% LVR (30% deposit) can get you approved despite credit issues. The equipment security becomes much stronger, offsetting credit risk.
Impact: Can secure approval when standard applications would decline
Provide Strong Narrative for Credit Issues
Lenders want to understand what caused defaults/late payments and what's changed. "Medical emergency required funds" + evidence you're recovered = acceptable. "Business was slow" = not acceptable. Be specific, provide evidence, show current stability.
Impact: Can override automatic credit decline triggers
Time Your Application After Tax Return Lodgement
Recent tax returns showing strong profit dramatically improve approval odds. If your June 30 tax return won't be ready until November, wait. The difference between showing 2 vs 1 year of returns can be approval vs decline for newer businesses.
Impact: Can increase loan amount offered by 30-50%
How to Finance Private Sale Equipment Purchases
Private sale equipment purchases can save you 30-50% vs dealer prices, but most lenders won't finance them. We specialize in private sale deals - here's exactly how the process works.
The 5-Step Private Sale Finance Process
Find Equipment & Negotiate Price
Locate equipment through Gumtree, Facebook Marketplace, industry networks, or retiring contractors. Negotiate based on hours, condition, and private sale comparable values. Aim for 40-60% below dealer retail. Get seller's equipment details: serial/VIN, year, hours, service history.
Pro Tips:
- •Check PPSR register ($2) to ensure no existing finance
- •Ask seller why they're selling - verify story makes sense
- •Request inspection before committing
- •Get multiple quotes to confirm you're getting fair value
Submit Finance Pre-Approval Application
Before committing to purchase, get pre-approved. Provide your financial documents + equipment details. We'll confirm lending appetite and required deposit. This takes 24-48 hours and costs nothing. Prevents you making commitments you can't fund.
Pro Tips:
- •Include equipment photos in application
- •Provide as much detail as possible (hours, condition, attachments)
- •Be transparent about equipment age and condition
- •Mention any recent servicing or rebuilds
Independent Valuation
Once pre-approved, we arrange an independent valuer to inspect equipment and confirm market value. Cost is $300-$600 depending on equipment type and location. Valuation confirms to lender that equipment is worth what you're paying. Usually completed within 3-5 days.
Pro Tips:
- •Valuation protects both you and lender
- •If valuation comes in low, you can renegotiate price
- •Seller must make equipment accessible for inspection
- •Valuation report is valid for 60 days
Final Approval & Contract
With valuation completed and confirmed acceptable, lender issues final approval and contracts. You sign loan documents, seller signs purchase agreement. Lender conducts final PPSR check to ensure equipment is still unencumbered. Settlement is scheduled.
Pro Tips:
- •Read contracts carefully before signing
- •Confirm settlement date works for seller
- •Ensure insurance is arranged for settlement date
- •Have deposit funds ready in cleared funds
Settlement & Equipment Transfer
On settlement day, lender transfers funds to seller's bank account. Seller hands over equipment, keys, paperwork, and any warranties/service records. You receive equipment and registration/ownership documents. PPSR security interest is registered in lender's favor.
Pro Tips:
- •Inspect equipment one final time before paying
- •Get receipt and transfer of ownership signed
- •Take photos of hour meter and condition
- •Update insurance immediately upon taking possession
Key Requirements
20-30% (vs 10% for dealer sales)
Typically under 10 years old, under 5,000 hours for excavators
Good to average credit (near-prime lenders available for impaired credit)
Must value at or above purchase price (lenders typically lend up to 80% of valuation)
Major Advantages
- ✓Save 30-50% vs dealer prices
- ✓Claim same tax deductions (depreciation, write-offs)
- ✓Often buying from operators who maintained equipment well
- ✓Avoid dealer markup and profit margins
- ✓More negotiating power (private sellers more flexible)
Potential Risks
- ⚠No dealer warranty (though some seller warranties possible)
- ⚠Equipment sold "as is" (thorough inspection critical)
- ⚠Higher deposit required than dealer purchases
- ⚠Valuation may come in below agreed price
- ⚠Seller may not disclose all issues
Explore Our Specialist Equipment Finance Guides
Deep-dive resources covering every NSW equipment finance scenario - from Sydney-specific strategies to bad credit approvals
Sydney Equipment Finance
Metro Sydney pricing, Western Sydney infrastructure projects, Inner West logistics hubs. Local supplier networks, regional grants, and Sydney-specific tax strategies.
Excavator Finance
Specialized excavator & earthmoving finance. Attachment-splitting strategies, GPS system write-offs, track vs rubber tire tax implications. Includes dozers, loaders, graders.
Low-Doc Finance
ABN + bank statements only. No tax returns or financials required. Perfect for contractors, sole traders, new businesses. Fast approval (24-72 hours typical).
Truck Finance NSW
Prime movers, rigid trucks, light commercials. NHVR compliance financing, fleet deals, balloon structures. Include tray/body/crane as separate assets for instant write-off.
Private Sale Finance
Finance equipment from Gumtree, Facebook, retiring contractors. Save 30-50% vs dealer prices. Independent valuation included. Same tax benefits as new equipment.
Bad Credit Finance
Past defaults, bankruptcies, court judgments? We work with specialist near-prime lenders. Rates 9-14%, deposits 20-30%, but approval rates 70%+ for disclosed credit issues.
Forklift Finance
Warehouse logistics, 3PL operations, manufacturing floors. Electric vs diesel tax differences. Battery-as-separate-asset strategy. Fleet deals for multiple units.
Each guide includes specific tax strategies, real project examples, lender recommendations, and documents checklists.
All guides updated for 2025-26 financial year with current instant asset write-off thresholds and ATO depreciation schedules
How Equipment Finance Works
From application to settlement in 5 simple steps
Apply Online
Submit basic details + equipment info. Takes 5 minutes.
Get Quote
Quick turnaround with multiple lender options.
Choose Structure
We recommend best tax structure for your situation.
Sign Docs
Electronic signing available. No need to visit office.
Get Equipment
Funds released directly to supplier. You start work.
Equipment Finance NSW: Your Questions Answered
Everything you need to know about instant asset write-off, depreciation, and equipment finance in NSW
Still have questions?
Speak to a Finance SpecialistReady to Claim Your $20,000 Instant Asset Write-Off?
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No impact on credit score • 94% approval rate • Average 48-hour turnaround