​Equipment Finance Calculator for Australian Businesses
Use our equipment finance calculator to map out repayments, protect your daily cash flow, and clear the path for your next big high-value asset upgrade.
​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:
​1. 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.
​2. 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.
​3. 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.
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​Construction & Earthmoving: Diggers, graders, and cranes. Along with that, we look at the attachment costs too.
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​Transport & Logistics: Prime movers, trailers, or even a fleet of delivery vans.
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​Specialised Medical & Office: Dental chairs, X-ray tech, or even the high-end Commercial Loans needed for massive IT server overhauls.
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​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.
Tax Efficiency Planning
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.
​Things You Should Know Before Signing
​A calculator gives you the "what," but the "how" depends on your business profile.
​Asset Age Matters
Lenders love shiny and new equipment. You’ll often get a rate that’s 1-2% lower on brand-new gear. Equally important is the Rule of 15; most lenders want the age of the machine plus the loan term to be under 15 years total.
The Balloon Strategy
It’s a great tool, but don't forget it’s there. Most of our clients either refinance the balloon at the end, or they sell the old gear and use the proceeds to clear the debt and start fresh. Also, always make sure the gear is still worth more than the balloon when the time comes.
​More Than Just a Number
This tool isn't a basic Loan Repayment Calculator. It’s a cash flow strategist. We want you to stay liquid so you can jump on opportunities when they come up.
​Ready to Get That Gear on the Job Site?
​Don't let the price tag hold you back. You’ve crunched the numbers; now it’s time to make it happen. We’re here to bridge the gap between that dealer quote and you actually turning the key.
​Let's get your business moving with a finance structure that actually makes sense for your bottom line.
Frequently Asked Questions
How much can I borrow for my gear?
Usually, if you’ve got a clean credit history and you’ve been trading for a while, you can get 100% of the asset cost.
​What’s the deal with a balloon payment?
A balloon payment is essentially a lump sum you agree to pay at the end of your loan term. By deferring this portion of the principal, you reduce your immediate monthly commitment. Not just that, but it keeps more cash in your pocket today for things like wages, fuel, or materials.
​Can I get finance for second-hand machinery?
Yes. Most lenders are happy to fund used gear, provided it still has a solid working life ahead of it. The main thing to watch is the "Rule of 15.” Lenders generally want the age of the machine plus the loan term to be 15 years or less. Besides that, you might find the interest rate is a fraction higher than brand-new equipment, simply because the resale value is lower if things go south.
​Are these repayments tax-deductible?
In most cases, yes. If you’re using the gear for work, you can usually claim the interest and the depreciation. It’s a massive win at tax time. Just make sure you double-check with your tax pro first.
​How long does it take to get approval?
If your books are in order, we often see approvals in a few hours. Besides being fast, it means you can head to the auction or the dealership with the confidence of a cash buyer.
Let’s Get You Funded!
Give us a bell: +61 422 249 815
Shoot us an email: hana@fintellfinance.com.au
Hours: Mon–Fri, 8:30 AM–5:30 PM (AEST)
Drive into our Adelaide office for a chat and some financial advice that works for you.
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