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 — Off-balance sheet, 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 Broker

When you're ready, request a free broker match. We connect you with a licensed Australian finance broker who specialises in your asset type and region.

What happens next:

You submit a brief enquiry (asset type, value, your ABN)
We match you with a specialist broker within the same business day
The broker contacts you with tailored finance options
You compare offers with no obligation to proceed

Cost to you: $0. We receive a referral fee from the broker only if you proceed to settlement. This never affects your rate or loan terms.

4

Settle & Protect Your Asset

Once you've chosen a broker and finance structure, settlement typically takes 24–72 hours for standard applications. After that, your asset is delivered and you're in business.

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 you request a broker match and proceed to settlement.

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

We match based on your asset type, location, finance amount, and business profile. All brokers in our network hold an Australian Credit Licence (ACL) or are authorised credit representatives.

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