About Commercial Equipment Finance

Why Choose Stratton For Commercial Finance?

Award-Winning Brokers

Best Car Loans by ProductReview 2021–2024 and Best Large-Size Brokerage by WeMoney 2023 & 2024!

We Have Unmatched Experience

With over 25 years of experience helping more than 150,000 people access $8 billion in finance, we have the knowledge you need.

Real People Delivering Exceptional Service

With a 4.8 out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.

Don’t take our word for it!

Our reputation precedes us. See why our customers rate us so highly!


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4.8

4.8

From 2400+ reviews


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4.8

4.8

From 400+ reviews

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The Awards

A leading Australian Finance Broker with proven experience you can trust

Our Lenders

We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:

Pepper Money
Westpac
anz
boq
latitude
metro
plenti
AMMF
firstmac
nowfinance
financeone
angle auto
capital-finance
resimac
moneyplace
volkswagen

Our Process: Simple and Transparent Commercial Financing

From start to finish, we’re with you every step of the way, helping you get the keys or funds in your hands!

How it all works

Understanding Your Needs

We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best commercial finance options from our panel of over 40 lenders.

Apply for the Right Deal

Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.

Get the Keys in Your Hands

If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to collect the funds you need and grow your business with confidence.

Providing Ongoing Support

Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.

Questions? Book a call!

Choose a time convenient to you and we’ll call you! Just fill in your details below and we’ll do the rest!

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*We endeavour to call you back within the hour during business hours, otherwise after hours  or weekends will be next business day

Frequently Asked Questions

For commercial equipment finance, several types of options are available to suit different business needs. This includes:

  • Equipment Lease: Allows businesses to rent equipment for a set period without ownership. It’s ideal for businesses that need equipment with a short lifecycle or want to conserve capital.

  • Equipment Loan: This option enables businesses to purchase equipment and gradually pay it off over time. Ownership of the equipment is typically transferred to the business at the end of the loan term.

  • Hire Purchase: In a hire purchase agreement, businesses can use the equipment while making payments over time, with ownership transferring at the end of the term once the final payment is made. 

  • Chattel Mortgage: This is a secured loan where the business owns the equipment from the start, and the lender holds a mortgage over it until the loan is paid off.

  • Operating Lease: Suitable for businesses that need flexibility, as it allows for equipment usage without the intention of ownership. Typically, the business returns the equipment at the end of the lease term.

  • Finance Lease: Similar to an equipment lease, but at the end of the term, businesses often have the option to purchase the equipment or continue leasing it with reduced payments.

Each option has its unique benefits depending on factors like cash flow, ownership preference, and the expected lifespan of the equipment. 

When you buy equipment, you own it outright, either through direct purchase or by using financing like a chattel mortgage. This provides long-term use and potential tax deductions but requires a larger upfront investment.

 

Leasing allows you to use the equipment without owning it, with the option to purchase it at the end of the lease in some cases. It requires lower initial payments and provides flexibility to upgrade, but you won't own the asset during the lease period.

Commercial equipment financing can cover a wide range of business-related assets, including:

  • Vehicles such as cars, trucks, vans, and machinery

  • Construction equipment like excavators, loaders, and cranes

  • Business fitouts and office technology, such as computers, printers, and software 

  • Manufacturing and industrial machinery

  • Medical or dental equipment

  • Agricultural equipment, including tractors and harvesters

The eligibility often depends on the lender and whether the equipment is used for business purposes.  

If the asset is being used for business purposes, you may be able to claim a tax deduction on the loan interest charges, as well as on the depreciation value of the asset, up to the Depreciation Limit set by the Australian Tax Office. Speak to your accountant to find out more.