Finance This

How “Finance This” Works

This tool gives you an instant repayment snapshot for any business asset — from a $5,000 computer workstation to a $500,000 crane. Enter the asset price, type, and your tax rate. We'll show you repayments at three standard terms, check write-off eligibility, and calculate your effective after-tax cost.

Why compare 3, 5 and 7 year terms?

A shorter term means higher monthly repayments but less total interest paid. A longer term reduces cash flow pressure but increases total cost. The right term depends on the asset's useful life and your cash flow needs:

• 3 years: Best for fast-depreciating assets (computers, tools, light vehicles). Minimises interest exposure.
• 5 years: Sweet spot for most business equipment (vehicles, forklifts, mini excavators). Popular with lenders and borrowers alike.
• 7 years: Best for long-life assets (large machinery, trucks, trailers) where spreading repayments over the asset's operational life makes sense.

What is the instant asset write-off?

Australian small businesses (turnover under $10M) can deduct the full cost of eligible business assets costing $20,000 or less in the year of purchase — this is the instant asset write-off. For assets over $20,000, the SBE Depreciation Pool applies: 15% deduction in year 1, then 30% diminishing value each subsequent year.

The tax saving shown is an estimate based on your selected tax rate. Always confirm with your accountant before making a purchase decision.

Ready to take the next step?

Enter your asset details above and click "Calculate My Repayments". When you're ready, click the quote button — our brokers will search across 30+ lenders to find the best rate and structure for your specific asset.

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