3 Steps to Calculate Your Commercial Asset Repayments
We’ve kept this tool simple. No one has time for complex forms when there’s a job site to manage. Here is how you get your estimate:
01
Input Asset Cost
Punch in the total price. Don't forget to include the GST and any on-road costs or delivery fees. If you're looking at a $120,000 backhoe, that's your number.
02
Define Loan Terms
Pick your duration. Usually, this is anywhere from 1 to 7 years. Always try to match the loan life to the working life of the gear. If that truck is going to be clapped out in five years, don't sign up for a seven-year loan.
03
Adjust Residual Value (The Balloon)
This is the lump sum you pay at the end. It keeps your monthly bills way lower.
Imagine you’re eyeing off a $150,000 excavator over a 5-year term.
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Going "Vanilla" (No Balloon): You’re looking at roughly $3,100 a month. That’s a fair chunk of change.
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With a 30% Balloon ($45,000): Those monthly payments drop to about $2,350.
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The Result: You’ve just freed up $750 every single month. Not just that, but that extra cash could pay for your diesel, your insurance, or even a casual hand on-site.
Which Assets Can You Finance?
If it’s got a serial number and helps you make a buck, we can likely help you finance it. We look at anything that drives your revenue.
Construction & Earthmoving
Diggers, graders, and cranes. Along with that, we look at the attachment costs too.
Transport & Logistics
Prime movers, trailers, or even a fleet of delivery vans.
Specialised Medical & Office
Dental chairs, X-ray tech, or even the high-end Commercial Loans needed for massive IT server overhauls.
Trade-Specific Gear
Think about a Roof and Render crew in Adelaide. They might need a $45,000 specialised spray rig. By financing it, they pay roughly $900 a month. If that rig lets them knock out one extra job a week, the gear pays for itself ten times over.
Why Use Our Caravan Finance Calculator?
There are heaps of generic calculators online, but most of them are built for the US markets or car loans. Ours is built for the Aussie business reality.
Localized Accuracy
We use real Australian market rates. On top of that, we factor in the way Aussie lenders actually think about risk and asset classes.
Tax Efficiency Planning
Knowing your numbers helps you talk to your accountant. For example, with a Chattel Mortgage, you can usually claim the full GST on the purchase price in your very next BAS. On a $110,000 truck, that’s a $10,000 cash injection straight back into your pocket.
Full
Flexiblity
You can play with the numbers as much as you like. Test out a big balloon, or see what happens if you pay it off faster. Besides being helpful, it’s completely anonymous; no hard pulls on your credit file just for having a stickybeak at Equipment Finance Loans.
Frequently asked questions
Your Finance Questions Answered
Finance can feel overwhelming, but it doesn’t have to be. Our team is here to guide you through every step of the process. If you can’t find the information you need, get in touch and we’ll be happy to help.
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Let’s Get You Funded!
Call Now
+61 422 249 815
61422249815
Office
325 Port Rd, Hindmarsh SA 5007
Hours
Mon to Fri, 8:30 AM to 5:30 PM AEST