Equipment Finance VIC

Fund the equipment your Victorian business needs — from CNC machines and forklifts to commercial kitchens and medical devices.

$10K–$2M+

Finance Range

2–7 yrs

Loan Terms

From 6.49%

Indicative Rate*

Equipment Finance in Victoria

Victoria's strong manufacturing base and diversified economy make it one of Australia's largest markets for equipment finance. From automotive parts manufacturing in Geelong to food processing in Shepparton and tech infrastructure in Melbourne's CBD, Victorian businesses across every sector rely on equipment finance.

VIC-specific considerations for equipment finance:

Manufacturing hub: Victoria retains Australia's largest manufacturing sector. CNC machines, injection moulding, industrial robots, and production line equipment are commonly financed.
Food & beverage: Victoria produces 25% of Australia's food exports. Processing equipment, cold chain infrastructure, and packaging machinery are high-demand finance items.
Healthcare: Melbourne's medical precinct and regional hospitals drive demand for diagnostic equipment, dental chairs, imaging systems, and surgical instruments.
Construction: Melbourne's ongoing infrastructure projects (Metro Tunnel, Suburban Rail Loop) drive demand for construction and civil equipment.

Finance Structures Available

All major asset finance structures are available nationally. Here’s a quick comparison:

Structure	Ownership	GST Credit	Tax Deductions	Best For
Chattel Mortgage	You (from day 1)	Eligible credit may be available	Eligible business-use interest and depreciation may be deductible	Ownership and long-term retention matter
Finance Lease	Lender (during term)	No (paid in instalments)	100% of lease payments	Businesses wanting end-of-term flexibility
Operating Lease	Lender	No	100% of lease payments	Fleet turnover, subject to contract-specific accounting

Not sure which structure is right? Use our repayment calculator to compare side-by-side, or see our current rates page for indicative rate ranges.

Frequently Asked Questions

Indicative rates for equipment finance in Victoria range from 6.49% to 8.99% p.a. for established businesses. Rates are nationally consistent — your rate depends on credit profile, business history, and the type of equipment, not your state.

Yes. Many lenders allow you to bundle multiple equipment items into a single agreement. This simplifies administration and may improve your rate due to the larger finance amount. This is common for Victorian manufacturers fitting out production lines.

For GST-registered manufacturers, a chattel mortgage is typically the most tax-efficient option — you claim the GST input credit upfront, deduct interest and depreciation, and may qualify for the instant asset write-off. Finance leases suit businesses that prefer to upgrade equipment regularly.

Assessment and settlement timing depends on the lender, application completeness, asset and seller checks.

Ready to Compare?

Estimate repayments across Chattel Mortgage, Finance Lease, and Operating Lease — with Year 1 tax deductions. Free, instant, no sign-up required.

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