Compare Finance Structures

Start with our free calculator. Enter your asset value, deposit, loan term, and interest rate. The calculator instantly shows you estimated monthly repayments, total cost, and Year 1 tax deductions across three finance structures:

Chattel Mortgage — Own the asset from day one, claim GST on purchase, deduct interest and depreciation
Finance Lease — Lease with a residual value, deduct 100% of lease payments, choose to purchase at end
Operating Lease — subject to contract-specific accounting, deduct lease payments as an operating expense, return the asset at end

Not sure which structure suits you? Our comparison guides break down the differences in plain language.

2

Read Expert Guides

Explore our library of free guides tailored to your asset type:

Truck Finance Guide — rigid, prime movers, tippers, refrigerated trucks
Ute Finance Guide — HiLux, Ranger, D-MAX, commercial vehicles
Equipment Finance Guide — CNC machines, forklifts, medical equipment
Earthmoving Finance Guide — excavators, loaders, dozers
Agricultural Finance Guide — tractors, harvesters, irrigation

Each guide covers typical finance ranges, which structures work best, deposit requirements, and what brokers look for when assessing your application.

3

Get Matched with a Financier

When you're ready, request a free quote. Our finance team reviews your enquiry and approaches financiers on our panel that suit your asset type and circumstances.

What happens next:

You submit a brief enquiry (asset type, value, your ABN)
We come back to you with suitable finance options within the same business day
We contact you with tailored finance options
You compare offers with no obligation to proceed

Cost to you: $0. If a finance application settles, the financier pays us a commission, which we disclose to you before you enter into a credit contract. This never affects your rate or loan terms.

4

Settle & Protect Your Asset

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

But the journey doesn't end at settlement. Our Protect & Maintain hub helps you:

Insure your asset with the right cover
Manage fuel costs with fleet fuel cards
Plan maintenance schedules to protect residual value
Track fleet performance and compliance

Frequently Asked Questions

No. Our calculator, guides, and comparison tools are completely free. We only earn revenue if a finance application we arrange settles, in which case the financier pays us a commission.

Absolutely not. You can use our tools and guides without ever requesting a quote. Many businesses use our calculator and comparison pages purely for research.

Smart Match uses the asset, seller, amount, business profile and available evidence to explain a likely preparation pathway. It is not a lender match or approval. Confirm any provider’s role and current authorisation before proceeding.

Yes. While newer businesses may face different criteria, many brokers in our network specialise in start-up and early-stage business finance. Request a match and we'll connect you with the right specialist.

No. Calculator results are estimates based on the inputs you provide. Actual rates, fees, and repayments will vary depending on your credit profile, the lender, and current market conditions. Always confirm with your broker.

How It Works