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Equipment Finance

Equipment Finance is used to fund the purchase of certain categories of equipment and machinery.

Equipment Finance options allow the financing of up to 100% of the value of an item. Some common reasons for sourcing equipment finance include the purchase of computers, machinery, vehicles, and almost any equipment required for business operations.

A Commercial Hire Purchase (CHP) is a method of equipment finance. Under CHP arrangements, the financier purchases the asset on behalf of the customer. The customer has possession and use of the asset in return for making regular payments. Once the final payment has been made, including any residual/balloon payment, the ownership of the asset transfers to the customer. Customers also have the option of trading in the asset for a new item. The residual/balloon payment can also be refinanced into a new loan facility if the customer is not in a position to pay out the residual payment.

Contact Unlocked Finance to discuss the appropriate equipment finance option for your purchase.

Max loan term is 7 years.*
Finance up to 100% of the asset value. Deposits may be used.*
Interest on payments and depreciation may be tax deductible if used for income producing purposes.*
Input tax credits may be available if registered for GST.*

* Applications for credit are subject to the financier's normal credit assessment criteria. Fees or charges may apply. Full details of all product terms and conditions are available upon request. Any taxation information provided is only general in nature and does not constitute tax advice, nor is it necessarily applicable to your particular circumstances. Farm Machinery Finance strongly recommends that you consult with your accountant, financial advisor and lawyer to determine the most suitable lending option for your particular circumstances and whether any particular taxation laws, obligations or benefits may apply to you.


  • TOOWOOMBA: 68 West Street Toowoomba Qld
  • WARWICK: 151A Palmerin St, Warwick, QLD 4370.
  • PO BOX 3047 Toowoomba

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