Finance commercial kitchens, espresso machines and cool rooms for your venue. Compare chattel mortgage, finance lease and operating lease from 40+ lenders. Fast approvals, Australia-wide.
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Hospitality equipment finance gives Australian restaurants, cafes, hotels, and caterers access to commercial-grade kitchen equipment, refrigeration, and coffee machines — without a large capital outlay. Asset Finance Australia makes it simple.
Hospitality equipment finance gives Australian restaurants, cafes, hotels, and caterers access to commercial-grade kitchen equipment, refrigeration, and coffee machines — without a large capital outlay. Asset Finance Australia makes it simple.
Hospitality Equipment finance is commonly used across the following sectors:
Whether you’re purchasing a single asset or building out a fleet, a specialist broker can structure your finance to maximise tax benefits and minimise cash flow impact. Most approvals take 24–48 hours.
Almost all commercially used hospitality equipment can be financed, including new and used equipment from major manufacturers. Finance is available for individual units and fleets, and many lenders can include attachments, delivery and installation costs in the same facility.
For most GST-registered businesses, a chattel mortgage delivers the best outcome: immediate ownership, upfront GST credit in the next BAS, and deductibility of interest and depreciation. Finance lease suits businesses that prefer 100% deductible payments. Operating lease offers the lowest repayments with end-of-term upgrade flexibility.
Indicative rates for hospitality equipment finance start from around 6.29% p.a. on a chattel mortgage. The actual rate depends on your credit profile, business trading history, asset age, and chosen lender. Use our free calculator to estimate repayments, then request a broker quote for your exact rate.
Yes — specialist lenders cater for businesses with less-than-perfect credit or short trading history. A larger deposit (10–20%) can improve approval odds and reduce the rate. A broker can identify the right lender for your situation and structure your application for the best outcome.
Under a chattel mortgage, you pay the full purchase price (GST included) and then claim the GST in your next BAS return. Under a finance lease, GST is spread across rental payments. Confirm with your accountant which structure best suits your GST reporting cycle.
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Reviewed by David Blackman — Specialist Asset & Equipment Finance Broker, 20+ years banking & fleet experience. Last reviewed: 8 July 2026.
This page is general information only — not tax, legal or credit advice. Confirm tax treatment with your accountant. See the ATO on GST credits and Moneysmart (ASIC).